Best Cheap Insurance Quotes for a Chevrolet Equinox in Oklahoma
Enter your Oklahoma zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 13, 2019
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Your ability to find affordable insurance for a Chevrolet Equinox in Oklahoma is contingent on a complex formula that considers things like your marital status, your credit status, and citations on your driving record. Drivers will pay around $1,750 every 12 months for Equinox insurance, but that price is an estimation using rate data for a 30-year-old single female that included full comprehensive and collision coverage and $250 deductibles.
There’s a high likelihood you are not a 30-year-old female, possibly married instead of single, or maybe you just want liability only. Even a minor change in price quote data can make a huge difference in the cost of insurance for a Chevrolet Equinox.
There is no perfect policy for every driver, so the most reliable method for finding affordable rates for your Chevrolet is to regularly compare rates at renewal. It takes less than five minutes and you can get prices from some of the best insurers that insure Chevrolet vehicles in Oklahoma.
Vehicle trim level will have an impact price, so the cost to insure a Equinox LS 2WD trim level will cost $178 less than the cost to insure the more expensive Equinox LTZ AWD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equinox LS 2WD||$384||$718||$606||$36||$182||$1,926||$161|
|Equinox LT 2WD||$384||$718||$606||$36||$182||$1,926||$161|
|Equinox LS AWD||$384||$718||$606||$36||$182||$1,926||$161|
|Equinox LT AWD||$384||$718||$606||$36||$182||$1,926||$161|
|Equinox LTZ 2WD||$434||$846||$606||$36||$182||$2,104||$175|
|Equinox LTZ AWD||$434||$846||$606||$36||$182||$2,104||$175|
|Equinox LTZ AWD||$434||$846||$606||$36||$182||$2,104||$175|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific location information which can modify prices greatly.
Figuring out which company quotes the best car insurance rates for a Chevrolet Equinox may require a little more effort in order to find the best policy. Each insurer uses a different method for determining rates, so let’s rank the car insurance companies that tend to be cheaper in Oklahoma.
|Rank||Company||Cost Per Year|
|2||Oklahoma Farmers Union||$1,202|
|11||OK Farm Bureau||$2,079|
|Get a Custom Quote Go|
USAA generally has some of the lowest car insurance rates in Oklahoma at around $1,196 per year. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto also are some of the best Oklahoma auto insurance companies.
As depicted above, if you are insured with Oklahoma Farmers Union and switched to USAA, you might see an annual premium reduction of about $6. Insureds with The Hartford might save as much as $137 a year, and GEICO policyholders might see rate reductions of $157 a year.
It’s important to note that these prices are averaged for all drivers and vehicles in Oklahoma and are not factoring in a specific rate factor for a Chevrolet Equinox. So the auto insurance company that fits your needs best may not even be in the rate chart shown above. That affirms the importance of why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
Enter your zip code below to view companies that have cheap auto insurance rates.
Careless drivers pay higher rates
The recommended way to find affordable car insurance rates in Oklahoma for an Equinox is to be an attentive driver and not receive tickets or have accidents. The illustration below highlights how traffic violations and at-fault collisions can affect insurance premiums for each different age category. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of an auto insurance policy in Oklahoma per year with no accidents and a clean driving record is $2,569. Get written up for one speeding ticket and the average cost rises to $2,987, an increase of $419 each year. Now add two accidents along with the one speeding ticket and the yearly cost of car insurance for a Chevrolet Equinox increases to an average of $6,417. That’s an increase of $3,848, or $321 per month, just for being a little careless behind the wheel!
The information below highlights how deductible choice can affect annual premium costs when quoting cheap insurance for a Chevrolet Equinox. Data assumes a married male driver, full physical damage coverage, and no additional discounts are factored in.
In the chart above, a 40-year-old driver could lower rates by $434 a year by changing from a $100 deductible to a $500 deductible, or save $656 by switching to a $1,000 deductible. Even younger insureds, such as the Age 20 example, have the ability to save $1,458 or more by choosing larger deductibles on their policy.
When increasing deductibles, it will now be necessary to have enough funds in savings to offset the extra out-of-pocket expense that comes with higher deductibles.
What aren’t you shopping around?
Oklahoma car insurance rates are influenced by many factors that may substantially change the policy premium. Simply improving your credit, buying another vehicle, or getting a driving violation may prompt premium changes that can make some companies cheaper than others. In addition to those changes, insurers change premium rates at least once a year to adjust for heavy claims or excess profits. Higher than usual claims may cause price increases, while lower claim expenses may cause cheaper Equinox insurance rates.
To illustrate this example, the bar chart below demonstrates which company has the cheapest car insurance in Oklahoma for a 45-year-old male driver with no accidents or violations, and excellent credit. When comparing rates based on his current situation, USAA may offer the lowest car insurance rates in Oklahoma at $1,185 annually. This is $782 less than the average policy premium paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, The Hartford, Safe Auto, and GEICO are the remaining best Oklahoma auto insurance companies.
Now we will pretend the driver from the first set of rates a claim or two, a little lower credit rating, and an imperfect driving record. Due to the fact that each insurance company has a different process to set policy rates, comparing insurance quotes may now present a different ranking of companies as shown below.
State Farm now has the cheapest insurance rate in Oklahoma with Oklahoma Farmers Union, Liberty Mutual, Safe Auto, and GEICO now being in the top five. This example shows why it is so important to compare many different companies when trying to find the best auto insurance rates for a Chevrolet Equinox.
Insurance rates are influenced by many different factors and change frequently, so the lowest-price company six months ago may now be an over-priced policy.
How to get the best cheap insurance for a Chevrolet Equinox in Oklahoma
It is possible to find better rates, and here are some penny-pinching ideas that can help you locate cheaper coverage.
- Prevent price hikes by avoiding at-fault accidents
- Claim-free policyholders usually earn a discount
- The safer your car, the less it costs to insure
- Do not get traffic tickets
- Bundle home or renters insurance to earn a discount on car insurance
- Do not pay for full coverage on older vehicles
- Compare rate quotes often
The last tip is remarkably valuable, as we hit on in this article. Insurance rates change frequently, so don’t hesitate to buy a policy from a new company if you find a better deal. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that inflexibility results in costing you a considerable chunk of change every month. Take a few minutes and compare prices and find cheaper insurance for a Chevrolet Equinox.
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