Want to learn a better way to compare the cheapest Chevy Equinox insurance in Seattle? Purchasing the most affordable Seattle Chevy Equinox insurance quotes can be difficult for people new to buying insurance online. With a ridiculous number of insurers to choose from, how are we expected to be able to compare the different rates to find the lowest rates?
It's hard to fathom, but over 70% of Washington drivers kept their policy with the same company for well over three years, and almost half have never compared car insurance rates at all. American consumers can save $860 each year just by getting comparison quotes, but they just feel it's too hard to compare rate quotes.
If you already have coverage, you will surely be able to shop for the lowest rates using the ideas presented in this article. Our objective is to help educate you on how to effectively get price quotes and how to save the most money. But Washington consumers must comprehend the way companies market on the web because rates are impacted by many factors.
These six discounts can lower your car insurance quotes
Some providers do not list all available discounts very clearly, so here is a list both the well known as well as the least known discounts that you can inquire about if you buy Seattle auto insurance online.
- Good Student - Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
- Active Service Discounts - Having a deployed family member could be rewarded with lower rates.
- ABS Brakes - Anti-lock brake equipped vehicles have fewer accidents so companies give up to a 10% discount.
- Discounts for Government Workers - Federal government employees may qualify for a discount when you quote Seattle auto insurance with certain companies.
- Discount for Low Mileage - Driving fewer miles may enable drivers to earn cheaper rates.
- Senior Discount - Drivers that qualify as senior citizens may qualify for better car insurance rates.
Discounts lower rates, but many deductions do not apply to the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, companies don't profit that way.
Companies that may offer policyholders some of the discounts shown above possibly include:
Double check with each insurance company to give you their best rates. Some of the discounts discussed earlier may not apply in your area.
Keep in mind that comparing a wide range of rates helps you find a lower rate than you're paying now. Some regional insurers cannot provide Seattle Equinox insurance quotes online, so it's necessary to compare price estimates on coverage from those companies, too.
The auto insurance companies shown below can provide price quotes in Seattle, WA. If multiple companies are shown, we recommend you get rate quotes from several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equinox LS 2WD||$260||$384||$386||$22||$116||$1,168||$97|
|Equinox LT 2WD||$136||$272||$384||$22||$114||$928||$77|
|Equinox LS AWD||$218||$434||$384||$22||$114||$1,172||$98|
|Equinox LT AWD||$220||$376||$300||$18||$90||$1,004||$84|
|Equinox LTZ 2WD||$258||$452||$294||$18||$88||$1,110||$93|
|Equinox LTZ AWD||$250||$444||$300||$18||$90||$1,102||$92|
|Equinox LTZ AWD||$208||$364||$294||$18||$88||$972||$81|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in specific garaging location which can revise insurance rates considerably.
Car insurance premiums by gender
The illustration below shows the comparison of Chevrolet Equinox annual premium costs for male and female drivers. The information is based on no claims, a clean driving record, full coverage, $500 deductibles, drivers are single, and no discounts are factored in.
Local Seattle insurance agents and insurance
A small number of people still like to get professional advice from a licensed agent and doing that can be a smart decision The best thing about comparing rates online is that drivers can save money and get cheap rate quotes but also keep your business local.
To make it easy to find an agent, after completing this quick form, the quote information is transmitted to local insurance agents who will gladly provide quotes for your coverage. You won't need to even leave your home as quotes are delivered to you instantly. You can find better rates without a big time investment. In the event you want to quote rates from a particular provider, feel free to visit that company's website and fill out the quote form the provide.
Finding the right insurance company shouldn't rely on just the quoted price. The questions below may impact your decision as well.
- Is auto insurance their primary focus in Seattle?
- What is the financial rating for the quoted company?
- How often do they review coverages?
- Do they prorate repair cost based on vehicle mileage?
- Are there any discounts that you might be missing?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are there any extra charges for paying monthly?
- Are they involved in claim handling?
Information about specific coverages
Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.
Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible on your Equinox in order to get cheaper collision rates.
Comprehensive auto coverage
This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like a tree branch falling on your vehicle, vandalism, fire damage, hail damage and a broken windshield. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Equinox.
Because many people only purchase the least amount of liability that is required (Washington limits are 25/50/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
Medical payments and PIP coverage
Med pay and PIP coverage pay for bills such as X-ray expenses, nursing services and funeral costs. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Auto liability insurance
Liability insurance provides protection from damages or injuries you inflict on other's property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/10 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property.
Liability coverage pays for things like repair costs for stationary objects, emergency aid, medical services, funeral expenses and legal defense fees. How much coverage you buy is up to you, but consider buying higher limits if possible. Washington requires drivers to carry at least 25/50/10 but drivers should carry more coverage.
What is YOUR best insurance company?
People leave their current company for a variety of reasons including policy non-renewal, questionable increases in premium, policy cancellation and high rates after DUI convictions. Whatever your reason, choosing a new insurance company is not as hard as you think.
In this article, we presented quite a bit of information on how to lower your Chevy Equinox insurance premium rates in Seattle. The key thing to remember is the more you quote Seattle auto insurance, the better your comparison will be. You may even discover the best price on car insurance is with a small mutual company.
As you go through the steps to switch your coverage, never reduce needed coverages to save money. There have been many situations where consumers will sacrifice physical damage coverage only to regret they didn't have enough coverage. Your strategy should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.
- Vehicle Insurance (Wikipedia)
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- Anti-Lock Brake FAQ (iihs.org)
- How to Avoid Common Accidents (State Farm)
- Collision Coverage (Liberty Mutual)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)