Chevy Equinox Insurance Quotes in Santa Ana

  1. Home
  2. >
  3. Santa Ana Auto Insurance
  4. >
  5. Chevrolet Equinox

Insurance quote for Chevy Equinox in Santa AnaAre you trying to find more affordable Chevy Equinox insurance in Santa Ana? Scraping up a payment for high-priced Chevrolet Equinox insurance in Santa Ana can eat up your bank account and force you to make tough financial choices. Price shopping at each renewal can be a smart way to lower your bills every month.

A recent survey discovered that most drivers kept buying from the same company for four years or more, and roughly 40% of drivers have never compared rate quotes at all. Santa Ana consumers can cut their rates by about 35% a year, but they don't invest the time required to save money by comparing rate quotes.

Big companies like Allstate, Progressive and GEICO continually hit you with ad campaigns and it can be hard to see through the deception and do the work needed to find the best deal.

It is always a good idea to price shop coverage quite often because car insurance prices go up and down regularly. Even if you got the best quotes on Chevy Equinox insurance in Santa Ana on your last policy there is a good chance you can find better rates now. You can find a lot of wrong information about Equinox insurance on the web, but we're going to give you some of the best techniques to find affordable car insurance in Santa Ana.

If you have a current car insurance policy, you will most likely be able to reduce the price you pay using these methods. Finding the cheapest car insurance coverage in Santa Ana is not that difficult as long as you know where to start. But California consumers need to learn how the larger insurance companies calculate their prices because rates are impacted by many factors.

The best way to compare rates for Chevy Equinox insurance in Santa Ana is to take advantage of the fact all the major auto insurance companies participate in online systems to quote your coverage. The only thing you need to do is spend a couple of minutes providing details such as if the car is leased, if you require a SR-22, how much school you completed, and whether you have decent credit. That rating information is automatically sent to many of the top insurers and they return quotes quickly.

To compare cheaper Chevy Equinox insurance rates now, click here and enter the information requested.

The companies shown below can provide comparison quotes in Santa Ana, CA. If the list has multiple companies, it's highly recommended you visit two to three different companies in order to find the lowest rates.

Statistics and details

The premium table below highlights estimates of insurance policy prices for Chevy Equinox models. Having a good understanding how policy premiums are determined can be valuable when making decisions when shopping around.

Chevrolet Equinox Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $164 $308 $424 $26 $126 $1,048 $87
Equinox LT 2WD $164 $308 $424 $26 $126 $1,048 $87
Equinox LS AWD $164 $308 $424 $26 $126 $1,048 $87
Equinox LT AWD $164 $308 $424 $26 $126 $1,048 $87
Equinox LTZ 2WD $186 $362 $424 $26 $126 $1,124 $94
Equinox LTZ AWD $186 $362 $424 $26 $126 $1,124 $94
Equinox LTZ AWD $186 $362 $424 $26 $126 $1,124 $94
Get Your Own Custom Quote Go

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Table data does not factor in specific location which can influence premiums noticeably.

Policy deductible comparison

One frequently asked question is what deductibles to buy. The comparisons below summarize the differences in price between high and low physical damage deductibles. The first set of rates uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Chevrolet Equinox insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $342 $576 $442 $26 $132 $1,543 $129
Equinox LT 2WD $342 $576 $442 $26 $132 $1,543 $129
Equinox LS AWD $342 $576 $442 $26 $132 $1,543 $129
Equinox LT AWD $342 $576 $442 $26 $132 $1,543 $129
Equinox LTZ 2WD $386 $678 $442 $26 $132 $1,689 $141
Equinox LTZ AWD $386 $678 $442 $26 $132 $1,689 $141
Equinox LTZ AWD $386 $678 $442 $26 $132 $1,689 $141
Get Your Own Custom Quote Go
Chevrolet Equinox insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $278 $464 $442 $26 $132 $1,342 $112
Equinox LT 2WD $278 $464 $442 $26 $132 $1,342 $112
Equinox LS AWD $278 $464 $442 $26 $132 $1,342 $112
Equinox LT AWD $278 $464 $442 $26 $132 $1,342 $112
Equinox LTZ 2WD $314 $546 $442 $26 $132 $1,460 $122
Equinox LTZ AWD $314 $546 $442 $26 $132 $1,460 $122
Equinox LTZ AWD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rates do not factor in your specific Santa Ana location which can affect insurance rates significantly.

Based on the figures above, using a $250 deductible costs approximately $18 more each month or $216 a year across all Chevrolet Equinox models than requesting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 14 months between claim filings, you would probably be better off if you decide on a higher deductible. Here is an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $134
Average monthly premium for $500 deductibles (subtract): - $116
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One big caveat is that raising deductibles means you pay more out-of-pocket when you file a claim. You need to make sure you have some money saved in order to pay the higher deductible in order to repair your vehicle.

The diagram below shows how choosing a deductible and can influence Chevy Equinox insurance rates for different ages of insureds. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Comparison of insurance rates by gender

The illustration below compares Chevy Equinox car insurance rates for male and female drivers. The data is based on no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.

Cost comparison with and without full coverage

The chart below illustrates the comparison of Chevy Equinox car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims, a clean driving record, $1,000 deductibles, drivers are single, and no discounts are applied.

Guidelines for dropping full coverage

There is no set rule that works best for making the decision to drop physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's assume your Chevy Equinox claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $3,000 after paying the physical damage deductible. If it's costing in excess of $300 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where buying only liability insurance is not in your best interest. If you haven't satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

It may be expensive, but it's not optional

Despite the high cost of buying insurance for a Chevy Equinox in Santa Ana, insurance is mandatory in California but it also protects more than you think.

First, almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage if you don't want to risk a ticket. 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.

Second, if you bought your vehicle with a loan, more than likely the lender will make it a condition of the loan that you have insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Chevy for a lot more money and force you to pay much more than you were paying before.

Third, insurance safeguards your car and your assets. Insurance will pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance also covers legal expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your Equinox are definitely more than the cost, especially if you ever need it. Despite what companies tell you, the average driver is currently overpaying as much as $820 a year so compare quotes from several companies every year to save money.

Seven Tips to Get Cheap Santa Ana Insurance Costs

Part of the auto insurance buying process is learning some of the things that aid in calculating auto insurance rates. If you understand what determines premiums, this allows you to make good choices that may result in lower auto insurance prices. Multiple criteria are part of the equation when pricing auto insurance. Some are obvious like an MVR report, although some other factors are less obvious such as whether you are married or your financial responsibility.

Small claims can cost you - If you file claims often, you can look forward to either policy cancellation or increased premiums. Auto insurance companies in California generally give better rates to people who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.

Discounts for married couples - Having a significant other may earn you lower rates on auto insurance. Having a spouse demonstrates that you tend to be less irresponsible and insurance companies like that married drivers tend to file fewer claims.

Liability insurance is cheap - The liability coverage on your policy will provide protection in the event that a jury decides you are liable for an accident. Your policy's liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not cut corners here.

Extra coverages push up costs - There are quite a few optional add-on coverages that sound like a good idea at the time but may not be useful. Insurance for rental car coverage, high-cost glass coverage, and extra equipment coverage are some examples. These coverages may sound good when buying your policy, but if you have no use for them eliminate the coverages to reduce your premium.

Your credit rating is important - Credit rating is a big factor in calculating your auto insurance rates. Consumers who have good credit tend to file fewer claims than drivers with worse credit. Therefore, if your credit could use some work, you could pay less to insure your Chevrolet Equinox by spending a little time repairing your credit.

Advanced alarms and GPS tracking - Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft.

Your address can push rates up or down - Living in smaller towns and rural areas of the country can be a good thing when talking about auto insurance. People in densely populated areas regularly have more auto accidents and longer commutes to work. Less people living in that area means fewer accidents as well as less vandalism and auto theft.

Chevy Equinox insurance loss statistics - Insurers take into consideration insurance loss statistics for every vehicle to help calculate premium rates. Models that the data determines to have a higher amount or frequency of claims will have a higher premium rate.

The next table illustrates the actual insurance loss data for Chevy Equinox vehicles. For each policy coverage type, the claim amount for all vehicles as a whole is set at 100. Values under 100 indicate better than average losses, while numbers above 100 indicate a higher chance of having a claim or tendency to have higher losses.

Chevrolet Equinox Insurance Claim Statistics
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

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

Get cheaper Chevy Equinox insurance in Santa Ana with discounts

Insurance can cost an arm and a leg, but you may find discounts to cut the cost considerably. Certain credits will be shown at quote time, but some must be specifically requested prior to receiving the credit. If you do not double check each discount possible, you are paying more than you should be.Discount insurance

  • Discounts for Government Workers - Having worked for a branch of the government could cut as much as 10% off with a few insurance companies.
  • Save over 55 - If you qualify as a senior citizen, you could receive reduced rates.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more on Equinox insurance in Santa Ana.
  • Life Insurance Discount - Some insurance carriers give lower insurance rates if you buy some life insurance too.
  • Homeowners Savings - Just owning your own home can get you a discount due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Discount for Multiple Policies - If you can bundle your auto and homeowners insurance with the same company you will save nearly 15% which can help you find inexpensive Chevrolet Equinox insurance in Santa Ana.
  • Defensive Driver Discount - Taking part in a defensive driver course could cut 5% off your bill if your company offers it.

It's important to understand that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So even though you would think adding up those discounts means a free policy, insurance companies wouldn't stay in business. Any qualifying discounts will help reduce your overall bill.

The illustration below illustrates the comparison of Chevy Equinox car insurance costs with and without discounts applied. The data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, homeowner, and multi-car discounts applied.

Large insurance companies and a selection of discounts are outlined below.

  • Farmers Insurance policyholders can earn discounts including bundle discounts, early shopping, distant student, mature driver, switch companies, multi-car, and teen driver.
  • Esurance has discounts for multi-policy, Pac-12 alumni, DriveSense, good student, and Switch & Save.
  • State Farm may have discounts that include passive restraint, Steer Clear safe driver discount, defensive driving training, good student, and multiple autos.
  • GEICO offers discounts including driver training, seat belt use, daytime running lights, anti-lock brakes, and good student.
  • Allstate may include discounts for safe driver, teenSMART discount, passive restraint, FullPay discount, utility vehicle, and senior citizen.

It's a good idea to ask every prospective company which credits you are entitled to. Depending on the company, some discounts might not apply in Santa Ana.

Neighborhood Santa Ana auto insurance agents

Many drivers would rather get advice from a local agent. One of the best bonuses of getting online price quotes is that you can obtain cheap rate quotes but still work with a licensed agent.

Santa Ana insurance agentsTo help locate an agent, after submitting this quick form, your insurance data is submitted to participating agents in Santa Ana who will give you bids and help you find cheaper coverage. You won't even need to search for any insurance agencies since price quotes are sent directly to your email. It's the lowest rates and a licensed agent to work with. If you have a need to compare rates from a specific company, you just need to visit that company's website to submit a rate quote request.

Finding the right company shouldn't rely on just the quoted price. Any agent in Santa Ana should be forthright in answering these questions:

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How many years of experience in personal auto insurance do they have?
  • If they are an independent agency in Santa Ana, which companies do they recommend?
  • Are they properly licensed to sell insurance in California?
  • Will high miles depreciate repair valuations?

If you want to buy car insurance from a reliable agent, it's important to understand the types of agencies from which to choose. Car insurance agents in Santa Ana can either be independent or exclusive depending on the company they work for.

Exclusive Agents

Exclusive agents can only provide pricing for a single company such as American Family, State Farm, and Allstate. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive agents are well trained in insurance sales and that can be a competitive advantage.

The following are Santa Ana exclusive agencies who can help you get rate quotes.

705 W 17th St, Ste B-2 - Santa Ana, CA 92706 - (714) 558-4814 - View Map

540 N Golden Cir Dr #315 - Santa Ana, CA 92705 - (888) 395-4847 - View Map

2961 W MacArthur Blvd #123 - Santa Ana, CA 92704 - (714) 662-3830 - View Map

View more Santa Ana agents

Independent Insurance Agents

Agents that elect to be independent can sell policies from many different companies so they can write business through many different car insurance companies and potentially find a lower price. If they quote lower rates, they simply switch companies in-house and you stay with the same agent. When comparing car insurance rates, you should always contact at least one independent agent to ensure the widest selection of prices.

Below are Santa Ana independent agencies who can help you get rate quotes.

2913 S. Pullman St - Santa Ana, CA 92705 - (949) 261-5335 - View Map

Santa Ana Insurance
1331 W 1st St #101 - Santa Ana, CA 92703 - (714) 953-9341 - View Map

Mural Insurance Agency
1202 17th St #103 - Santa Ana, CA 92701 - (714) 541-1003 - View Map

View more Santa Ana agents

Affordable insurance rates are out there

Affordable Chevy Equinox insurance in Santa Ana can be sourced online and with local Santa Ana insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer price quotes online and many times these smaller companies prefer to sell through local independent agencies.

When getting Santa Ana auto insurance quotes online, never reduce needed coverages to save money. There have been many situations where someone dropped physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

Steps to finding discount Chevy Equinox insurance in Santa Ana

Really, the only way to find more affordable auto insurance rates in Santa Ana is to start comparing prices yearly from different companies that insure vehicles in California. You can compare rates by completing these steps.

First, read about how insurance companies determine prices and the factors you can control to drop your rates. Many rating criteria that cause high rates such as traffic violations, accidents, and an unacceptable credit history can be improved by making minor changes in your lifestyle.

Second, compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive or Farmers Insurance, while agents who are independent can quote rates for a wide range of companies.

Third, compare the price quotes to the premium of your current policy to determine if switching companies saves money. If you can save money, ensure there is no coverage lapse between policies.

A good tip to remember is that you'll want to compare similar deductibles and liability limits on each price quote and and to look at every company you can. This guarantees the most accurate price comparison and a complete price analysis.

Additional information can be found at the links below