Save Money on Chevy Equinox Insurance in Phoenix

Insurance quote for Chevy Equinox in PhoenixAre you looking for a better way to compare more competitive auto insurance rates in Phoenix, AZ? Phoenix shoppers have lots of choices when shopping for the lowest priced Chevy Equinox insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to make rate comparisons. There are both good and bad ways to shop for auto insurance and we’ll show you the quickest way to compare rates for a new or used Chevy and locate the lowest possible price either online or from Phoenix insurance agents.

Consumers should take time to compare prices periodically because prices go up and down regularly. If you had the lowest price on Chevy Equinox insurance in Phoenix six months ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re going to learn the quickest way to reduce your cost while increasing coverage.

Free Phoenix Chevy Equinox insurance quotes

The auto insurance companies shown below provide comparison quotes in Arizona. If multiple providers are shown, we suggest you visit two to three different companies in order to find the most competitive rates.

Chevrolet Equinox Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $202 $396 $288 $18 $86 $990 $83
Equinox LT 2WD $198 $386 $282 $16 $84 $966 $81
Equinox LS AWD $226 $448 $362 $22 $108 $1,166 $97
Equinox LT AWD $232 $390 $300 $18 $90 $1,030 $86
Equinox LTZ 2WD $194 $342 $308 $18 $92 $954 $80
Equinox LTZ AWD $148 $266 $308 $18 $92 $832 $69
Equinox LTZ AWD $156 $326 $390 $24 $116 $1,012 $84
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in zip code location which can decrease or increase coverage prices greatly.

Full coverage versus liability only rates

The illustration below examines Chevrolet Equinox premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The data assumes no claims or violations, $100 deductibles, single female driver, and no discounts are applied.

Should you pay for full coverage?

There is no specific rule to exclude physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your Chevrolet Equinox claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after the deductible is paid. If premiums are more than $200 a year for full coverage, then it might be time to buy liability only.

There are some circumstances where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Lower rate quotes on Chevy Equinox insurance in Phoenix with these car insurance discounts

Properly insuring your vehicles can get expensive, but you may be missing some discounts that could help you make your next renewal payment. Certain discounts will be applied when you quote, but occasionally some discounts must be requested specifically before being credited.Car insurance discounts

A little disclaimer on discounts, most of the big mark downs will not be given to the whole policy. Most only apply to specific coverage prices like liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, you won’t be that lucky.

Popular car insurance companies and some of the premium reductions they offer are included below.

Before buying, ask all companies you are considering how you can save money. Some discounts listed above may not apply in Phoenix. To view companies with the best Chevy Equinox insurance discounts in Arizona, click this link.

Auto insurance is not optional in Arizona

Despite the high cost of buying insurance for a Chevy Equinox in Phoenix, insuring your vehicle may be required and benefits you in several ways.

The benefits of having insurance greatly outweigh the cost, particularly for liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $800 each year so shop around at every renewal to ensure rates are competitive.

There’s no such thing as the perfect insurance policy

When quoting and choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that.Higher deductibles save money
For example, these questions could help you determine whether you could use an agent’s help.

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Shop online but buy locally

Certain consumers prefer to sit down and talk to an agent and that is just fine! Good agents are highly skilled in risk management and help submit paperwork. An additional benefit of comparing insurance prices online is that drivers can save money and get cheap insurance rates and still have an agent to talk to.

Insurance agents in PhoenixUpon completion of this short form, the quote information is sent to agents in your area who will gladly provide quotes for your insurance coverage. There is no need to even leave your home because quoted prices will be sent to your email. If you have a need to compare prices from a specific company, you just need to visit that company’s website and fill out their quote form.

Finding a good provider should include more criteria than just the premium amount. A good agent in Phoenix will have answers to these questions.

Best auto insurance agent in Phoenix

If you want a local insurance agency, there are two types of agencies and how they differ in how they quote coverages. Insurance agents in Phoenix are classified as either independent agents or exclusive agents. Either type can insure your vehicles properly, but it’s worth mentioning the difference between them because it can factor into the kind of agent you use.

Exclusive Agents

Agents that choose to be exclusive can usually just insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot give you multiple price quotes so you need to shop around if the rates are high. These agents are highly trained on their company’s products and that can be a competitive advantage. Consumers sometimes choose to use a exclusive agent primarily because of the brand rather than low rates.

Shown below is a short list of exclusive agents in Phoenix who can help you get price quote information.

More insurance agents

Independent Agents

These type of agents are not employed by any specific company so as a result can place your coverage through many companies and get the cheapest rates. If you want to switch companies, they simply switch companies in-house and you don’t have to do anything.

If you need lower rates, we recommend you compare prices from at least one independent agent to get the best comparison. Most also write with small mutual carriers which can save you money.

Shown below are independent agencies in Phoenix that can give you price quotes.

More insurance agents