Compare Chevy Equinox Insurance Rates in Sacramento

Want to learn a better way to compare cheaper Chevy Equinox insurance in Sacramento? Are you tired of wondering where the money will come from to pay insurance each month? You are no different than many other California drivers.

Smart shoppers know that insurance companies want to keep you from shopping around. Insureds who shop around for a cheaper policy are highly likely to move their business because they have good chances of finding a policy with better rates. Surprisingly, a recent survey revealed that drivers who compared rates regularly saved $3,400 over four years compared to those who don’t make a habit of comparing rates.

If finding budget-friendly rates on car insurance is your goal, then knowing how to compare coverage rates can make it easier to find better rates. Insurance companies such as GEICO, Farmers Insurance and State Farm constantly blast consumers with catchy ads and it can be hard to ignore the propaganda and find the best price available.

Getting a cheaper price on Chevy Equinox insurance is actually quite simple. You just need to invest a few minutes comparing rate quotes online from several insurance companies.

It’s so easy to compare price quotes online that it makes it a waste of time to waste gas driving to local Sacramento insurance agencies. Doing it all online eliminates the middleman unless you have a need for the professional advice of a local Sacramento agent. It is possible to comparison shop your insurance online but buy the policy through an agent.

The companies in the list below are our best choices to provide free rate quotes in California. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.

Analysis of Chevy Equinox rates

The premium information shown next showcases different coverage costs for Chevy Equinox models. Learning how rate quotes are formulated can help drivers make smart choices when comparing insurance rates.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in specific Sacramento garaging location which can affect insurance rates substantially.

Analysis of deductible levels

When shopping for auto insurance, a common question is which deductibles should you choose. The premium rates below sum up the cost difference between high and low insurance deductibles. The first rate table uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can modify premium rates noticeably.

Based on the figures above, using a $100 deductible would cost the average driver about $46 more each month or $552 every year than selecting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 20 months between claims, you would most likely save money if you decide on a higher deductible.

The example below illustrates how choosing a deductible and can influence Chevy Equinox yearly insurance costs for each age group. The prices are based on a single male driver, full coverage, and no discounts are applied.

Chevrolet Equinox insurance costs by age and gender

The illustration below compares Chevy Equinox insurance prices for male and female drivers. The data is based on no claims or driving violations, full physical damage coverage, $250 deductibles, single marital status, and no other discounts are factored in.

Three reasons to insure your vehicle

Despite the high insurance cost for a Chevy Equinox in Sacramento, insuring your vehicle may be mandatory for several reasons.

• Almost all states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability protection in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you bought your Chevy Equinox with a loan, most lenders will stipulate that you have physical damage coverage to guarantee payment of the loan. If you default on your policy, the bank may insure your Chevy at a much higher premium rate and require you to fork over the higher price.
• Auto insurance preserves both your Chevy Equinox and your assets. Insurance will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying auto insurance more than offset the price you pay, particularly if you ever have a claim. Today the average American driver is overpaying more than $700 annually so shop around each time the policy renews to make sure the price is not too high.

How Your Equinox Insurance Prices are Determined

A large part of saving on insurance is knowing some of the elements that go into determining the rates you pay for insurance. If you know what positively or negatively impacts your premiums, this allows you to make good choices that can help you get lower insurance prices. Lots of things are used in the calculation when you quote your car insurance policy. Some factors are common sense like your driving record, although some other factors are not as apparent such as your marital status and annual miles driven.

The factors shown below are some of the major factors used by companies to determine premiums.

• Save annual miles and save money – The more you drive your Chevy annually the more you will pay for insurance. Most companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use cost less to insure than vehicles that are driven to work every day. Having the wrong rating on your Equinox is throwing money out the window. It’s a smart idea to ensure your insurance coverage correctly shows annual mileage, because it can save money.
• Does your employer raise your prices? – Careers like doctors, air traffic controllers, and emergency personnel generally have higher premium rates attributed to stressful work requirements and incredibly demanding work hours. On the other hand, occupations like professors, historians and the unemployed pay lower than average rates.
• Cheaper rates by bundling – Many insurance companies provide discounts to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even if you already get this discount, you may still want to get quotes from other companies to verify if the discount is saving money. Consumers may save more without the discount by buying insurance from more than one company.

• More performance means higher premiums – The make and model of the car you are insuring makes a significant difference in how high your rates are. Lower performance four cylinder passenger cars receive the most favorable rates, but many other things help determine your insurance rates.

  The chart below is based on a married female driver age 20, full coverage with $250 deductibles, and no discounts or violations. The data compares Chevrolet Equinox car insurance rates compared to other models of vehicles that have a range of performances.

• A good credit rating can save money – Credit score factor in determining what you pay. Insureds that have excellent credit tend to file fewer claims and have better driving records than drivers with bad credit. Therefore, if your credit score is low, you may save money insuring your Chevrolet Equinox if you improve your credit rating.

• Chevy Equinox insurance claim data – Insurers use past loss statistics for each vehicle when setting rates for each model. Models that are shown to have a trend towards higher claims will cost more to insure. The data below shows the compiled insurance loss statistics for Chevy Equinox vehicles.

  For each type of coverage, the statistical loss for all vehicles, as an average, equals 100. Numbers below 100 imply a favorable loss record, while percentage numbers above 100 indicate higher probability of having a loss or tendency to have larger claims.

  
  

  Insurance Loss Ratings for Chevrolet Equinox Vehicles

  Specific Chevrolet Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Chevrolet Equinox 4dr 2WD	82	86	74	101	104	93
  Chevrolet Equinox 4dr 4WD	84	88	85	89	93	81

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Affordable Sacramento auto insurance quotes with discounts

Car insurance companies don’t always publicize every policy discount in a way that’s easy to find, so the next list breaks down both the well known and also the lesser-known auto insurance savings.

• Organization Discounts – Joining certain professional organizations may earn a discount on your next auto insurance statement.
• Sacramento Homeowners Pay Less – Just owning your own home can help you save on auto insurance since home ownership requires personal responsibility.
• Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
• Pay Now and Pay Less – If you can afford to pay the entire bill instead of paying each month you may have a lower total premium amount.
• Seat Belt Discounts – Requiring all passengers to fasten their seat belts can save a little off the PIP or medical payment premium.
• Discounts for New Vehicles – Buying a new car instead of a used Equinox can save up to 30% because new model year vehicles keep occupants safer.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and that can save you a little bit as well.
• Discount for Life Insurance – If the company offers life insurance, you could get lower auto insurance rates if you buy a life policy as well.
• Senior Citizen Rates – If you’re over the age of 55, you are able to get a small decrease in premiums.
• Defensive Driver – Participating in a defensive driver course could earn you a small percentage discount and make you a better driver.

As is typical with insurance, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, you’re out of luck.

The illustration below visualizes the comparison of Chevy Equinox insurance prices with and without discounts being applied to the rates. The data is based on a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, marriage, and homeowner discounts applied.

To choose insurance companies that offer many of these discounts in California, click here.

Compare rate quotes but buy from a neighborhood Sacramento auto insurance agent

A small number of people still like to buy from a local agent and doing that can be a smart decision Professional insurance agents can help you choose the best coverages and help file insurance claims. A nice benefit of comparing rates online is that drivers can save money and get better rates and still buy from a local agent. Supporting small agencies is still important in Sacramento.

Once you complete this quick form, the coverage information is immediately sent to agents in your area who can give free rate quotes to get your business. You don’t have to search for an agent since rate quotes are delivered to the email address you provide. In the event you want to get a price quote from a specific auto insurance provider, don’t hesitate to go to their quote page and fill out the quote form the provide.

What types of car insurance agents are in Sacramento?

If you need to find a reliable agent, you must know there are a couple types of agencies and how they differ in how they quote coverages. Auto insurance agencies are classified as either independent (non-exclusive) or exclusive. Both types can sell affordable auto insurance policies, but it’s important to point out the subtle differences since it may influence your selection of an agent.

Independent Agents

These type of agents are not required to write business for one company so they can insure your vehicles with any number of different companies and find the cheapest auto insurance rates. If they quote lower rates, the business is moved internally which makes it simple for you. When comparison shopping, you need to include several independent agencies for maximum quote selection.

The following is a list of independent agencies in Sacramento that can possibly get you free rate quotes.

More Sacramento agents

Exclusive Auto Insurance Agencies

These agents can only provide pricing for a single company and examples are State Farm, AAA, and Liberty Mutual. These agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are well schooled on their company’s products and that enables them to sell even at higher rates.

Below is a list of exclusive agencies in Sacramento who can help you get price quotes.

More Sacramento agents

Finding a good insurance agency should include more criteria than just the quoted price. Any agent in Sacramento should have no problem answering these questions:

• How many years of experience in personal auto insurance do they have?
• Will you work with the agent or an assistant?
• How many years have they been established?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Does the company allow you to choose your own collision repair facility?
• Is the agency active in community causes in Sacramento?
• Is assistance available after office hours?

Persistence pays off

As you quote Sacramento auto insurance, do not sacrifice coverage to reduce premiums. Too many times, an insured cut comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your focus should be to purchase plenty of coverage at the best cost while still protecting your assets.

More affordable auto insurance in Sacramento is possible on the web in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not have online price quotes and these regional carriers only sell through local independent agencies.

We just showed you a lot of ways to compare Chevy Equinox insurance rates in Sacramento. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from a smaller regional carrier. These smaller insurers often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

Steps to buying affordable Chevy Equinox insurance in Sacramento

The preferred way to save on car insurance rates in Sacramento is to regularly compare prices from companies in California. Price quotes can be compared by completing these steps.

• Step 1: Read and learn about what is in your policy and the things you can control to prevent high rates. Many things that result in higher rates such as getting speeding tickets and a lousy credit rating can be rectified by being financially responsible and driving safely.
• Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while independent agencies can provide rate quotes from multiple insurance companies. Begin your rate comparison
• Step 3: Compare the quotes to your current policy to see if a cheaper price is available in Sacramento. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Tell your current agent or company to cancel your current auto insurance policy and submit the completed application along with a down payment to the newly selected company. Be sure to keep your new certificate of insurance with your vehicle’s registration.

One tip to remember is that you’ll want to make sure you compare the same level of coverage on each quote request and and to get rates from as many different companies as possible. This provides a fair rate comparison and maximum price selection.

More detailed auto insurance information can be read by following these links:

• Child Safety FAQ (iihs.org)
• Who Has Cheap Sacramento Car Insurance for a Toyota 4Runner? (FAQ)
• How Much is Sacramento Auto Insurance for a Nissan Rogue? (FAQ)
• Who Has Cheap Sacramento Auto Insurance for Teachers? (FAQ)
• How Much are Auto Insurance Rates for a Toyota RAV4 in Sacramento? (FAQ)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Auto Insurance Learning Center (State Farm)