2009 Chevrolet Equinox Car Insurance Rates – 7 Ideas for Best Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 6, 2021

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Looking for the cheapest insurance coverage rates for your Chevrolet Equinox? Are you tired of scraping the payment together to insure your Chevy every month? You’re in the same situation as most other car owners. Because there are so many options, it can be challenging to choose the lowest cost insurer.

It’s smart to price shop coverage at least once a year because prices change regularly. Even if you think you had the lowest price for Equinox insurance last year you may be paying too much now. You can find a lot of misleading information regarding insurance coverage online, so by reading this article, you’re going to learn some guaranteed methods to put money back in your pocket.

Finding Car Insurance

There are a variety of methods you can shop for 2009 Chevy Equinox car insurance and some are easier and takes less work. You could waste time discussing policy coverages with local insurance agents in your area, or you can utilize the web to achieve your goal.

The majority of car insurance companies participate in a marketplace where insurance shoppers submit their information once, and each company then gives them pricing determined by their information. This eliminates the need for quote requests to each individual car insurance company.

To find out how much you’re overpaying now click here to start a free quote.

The one disadvantage to pricing coverage this way is that consumers can’t choose which companies you want to price. So if you want to select specific providers to compare rates, we have assembled a list of car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same information for each comparison quote. If you use different liability limits it’s impossible to truly determine the lowest rate.

Don’t overlook these seven discounts

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be inquired about before you get the savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Paperwork-free – A few companies will give a small break for buying a policy and signing up on their website.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Equinox insurance with select insurance companies.
  • Own a Home – Owning a home can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Low Mileage Discounts – Keeping the miles down on your Chevy could qualify for better rates on cars that stay parked.

It’s important to understand that many deductions do not apply to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, companies don’t profit that way. But any discount will cut the amount you have to pay.

Insurance companies that possibly offer these discounts include:

  • State Farm
  • American Family
  • GEICO
  • 21st Century
  • Progressive

Check with every prospective company how you can save money. Savings might not apply in your area.

Is my situation unique?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique and your policy should reflect that. For example, these questions might point out whether or not you would benefit from an agent’s advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Can I drive in Mexico and have coverage?
  • Does having multiple vehicles earn me a discount?
  • Can I still get insurance after a DUI?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have newly-aquired coverage?
  • When should I drop full coverage on my 2009 Chevy Equinox?
  • What happens if I owe more than my 2009 Chevy Equinox is worth?

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If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Don’t listen to company ads

Consumers get pounded daily by advertisements for car insurance savings from companies such as 21st Century, Allstate and State Farm. All the ads make the same claim that you’ll save big if you switch your policy.

But how can every company make the same claim? This is how they do it.

All the different companies have a certain “appetite” for the driver they prefer to insure. A good example of a desirable insured might be over the age of 40, has no driving citations, and has great credit. A driver who matches those parameters will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t meet the requirements will be charged higher prices which leads to business not being written. The ads state “people who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently advertise the way they do.

That is why you absolutely need to get as many quotes as possible. You cannot predict which insurance coverage company will fit your personal profile best.

Car insurance 101

Having a good grasp of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Equinox.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability coverage

This can cover damage that occurs to other people or property in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like legal defense fees, funeral expenses, repair bills for other people’s vehicles, court costs and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, a broken windshield, theft and damage from getting keyed. The most you’ll receive from a claim 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.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for prosthetic devices, funeral costs, nursing services and chiropractic care. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Shop around and save

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Budget-conscious 2009 Chevy Equinox insurance is definitely available online and also from your neighborhood agents, so you should compare both to get a complete price analysis. A few companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

More detailed insurance information is located in these articles:

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