Buying competitive coverage for a Chevrolet Equinox doesn't take a lot of effort, but it hinges on a lot of different factors such as driver age, your occupation, and any prior driving offenses you have. Drivers pay on average $1,398 annually to insure their Equinox, but that figure is a projection calculated based on a 50-year-old single female driver with full physical damage coverage and $250 deductibles.
But there is a high likelihood that you aren't exactly 50 years old or even a female, married instead of single, and maybe your Equinox is older and does not require full coverage. Even a minor change in rating criteria or coverage limits can result in a large change in the coverage rate.
Insurance is an individual thing, so the only way to find affordable rates for your Chevrolet is to compare as many rates as possible. Quotes only take a few minutes and you can get prices from some of the best companies that insure vehicles in California.
Your Chevrolet's trim level tends to have a direct effect on the cost of coverage, so the price you will pay to insure a Equinox LS 2WD will cost $138 less than the price to insure the higher-end Equinox LTZ AWD trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equinox LS 2WD||$294||$564||$500||$30||$150||$1,538||$128|
|Equinox LT 2WD||$294||$564||$500||$30||$150||$1,538||$128|
|Equinox LS AWD||$294||$564||$500||$30||$150||$1,538||$128|
|Equinox LT AWD||$294||$564||$500||$30||$150||$1,538||$128|
|Equinox LTZ 2WD||$332||$664||$500||$30||$150||$1,676||$140|
|Equinox LTZ AWD||$332||$664||$500||$30||$150||$1,676||$140|
|Equinox LTZ AWD||$332||$664||$500||$30||$150||$1,676||$140|
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in Santa Ana location which can alter coverage rates significantly.
How to find a good California insurance company
Finding a highly-rated insurer is difficult considering how many choices there are in California. The ranking information in the next section could help you select which car insurance providers you want to consider when insurance shopping for a Chevrolet Equinox. These rankings are for companies with a national presence, so companies that may only write in California are not included in these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Santa Ana auto insurance rates
Insurance providers that sell policies for a Chevrolet Equinox may have special discounts that may potentially lower prices by as much as 35% if you are eligible to receive them. Larger insurance companies and a summarized list of policyholder discounts are outlined below.
- The Hartford may offer discounts for good student, anti-theft, defensive driver, vehicle fuel type, air bag, bundle, and driver training.
- American Family discounts include bundled insurance, defensive driver, good driver, air bags, and Steer into Savings.
- Progressive may have discounts that include homeowner, continuous coverage, multi-vehicle, online signing, and good student.
- Travelers has discounts for save driver, home ownership, payment discounts, good student, driver training, and continuous insurance.
- Farmers Insurance offers discounts for early shopping, mature driver, electronic funds transfer, teen driver, pay in full, youthful driver, and good student.
- USAA policyholders can earn discounts including military installation, new vehicle, annual mileage, loyalty savings, good student, multi-vehicle, and driver training.
- Liberty Mutual offers discounts including exclusive group savings, newly retired, new graduate, safety features, new move discount, and teen driver discount.
The diagram below visualizes the comparison of annual premium costs with and without discounts applied to the policy rates. Data assumes a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, accident-free, multiple policy, claim-free, marriage, and safe-driver discounts applied. In this example, theamount saved on insurance for a Chevrolet Equinox is 28% or $585.
You are probably paying too much for Equinox insurance
Santa Ana, CA insurance rates are influenced by many factors which can significantly increase or decrease the price you pay. Simply improving your credit, increasing liability limits, or having a fender bender can cause premium changes that may make certain companies cheaper than others.
Not only may your situation change, but car insurance companies change prices as often as every quarter in order to be able to pay unexpected claims. Larger than normal claims may cause rate increases, while a better loss history may produce lower-priced Equinox insurance rates.
To illustrate this example, the data below shows a variety of companies that have the cheapest car insurance in Santa Ana, CA for a 30-year-old female driver with no accidents or violations, and a good credit history. Based on her current rating profile, USAA quotes the lowest car insurance rates in Santa Ana at $1,267 annually. This is $384 less than the average rate paid by California drivers of $1,651. Wawanesa, Nationwide, CSAA, and Century National are the remaining cheapest Santa Ana, CA auto insurance companies.
In this next rate comparison, we will give the driver from the above example a chargeable claim, less-than-perfect credit, and a couple of points charged on her driving record. Since each auto insurer uses a different method for filing rates in each state, comparing insurance quotes could now result in a slightly different list of cheap Santa Ana auto insurance companies as shown below.
Grange now has the lowest price in Santa Ana, CA with Allstate, GEICO, Allied, and Progressive also having competitive pricing. This demonstrates why it is so important to compare many different companies to get the best auto insurance rates for a Chevrolet Equinox.
Car insurance prices are influenced by many risk factors and change dramatically, so the cheapest option six months ago may now be one of the more expensive options.