Do you want to learn how to find the cheapest Chevy Equinox insurance in Pittsburgh? Purchasing budget-priced Pittsburgh Chevy Equinox insurance quotes can appear to be somewhat intimidating for consumers new to online price comparisons. When there are so many online companies available, how can you effectively compare every one to find better prices?
It’s amazing but a large majority of auto insurance policyholders in Pennsylvania have been with the same company for over three years, and nearly the majority have never even shopped around for lower-cost coverage. Drivers in the U.S. could save approximately 46.5% a year just by comparing rates, but they feel it’s too difficult to compare rate quotes.
If you are paying for car insurance now, you will surely be able to get lower rates using the techniques presented in this article. This article will familiarize you with how insurance works and how to save the most money. But Pennsylvania consumers do need to know how insurance companies calculate your policy premium and use it to find better rates.
Car insurance providers offering low-cost prices in Pennsylvania
The companies shown below offer comparison quotes in Pennsylvania. If you want to find the best auto insurance in Pennsylvania, we recommend you visit several of them to find the most affordable car insurance rates.
Chevy Equinox insurance rate analysis
The coverage information shown below showcases detailed analysis of insurance prices for Chevy Equinox models. Understanding how auto insurance premiums are formulated can aid in making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $188 | $318 | $340 | $20 | $102 | $968 | $81 |
| Equinox LT 2WD | $188 | $318 | $340 | $20 | $102 | $968 | $81 |
| Equinox LS AWD | $188 | $318 | $340 | $20 | $102 | $968 | $81 |
| Equinox LT AWD | $188 | $318 | $340 | $20 | $102 | $968 | $81 |
| Equinox LTZ 2WD | $212 | $374 | $340 | $20 | $102 | $1,048 | $87 |
| Equinox LTZ AWD | $212 | $374 | $340 | $20 | $102 | $1,048 | $87 |
| Equinox LTZ AWD | $212 | $374 | $340 | $20 | $102 | $1,048 | $87 |
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in specific location which can modify price quotes significantly.
Choosing deductibles
When comparing auto insurance rates, the most common question is how high should the physical damage deductibles be. The premium rates below may help you to understand the costs and benefits when you choose different physical damage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Equinox LT 2WD | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Equinox LS AWD | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Equinox LT AWD | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Equinox LTZ 2WD | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Equinox LTZ AWD | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Equinox LTZ AWD | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Equinox LT 2WD | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Equinox LS AWD | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Equinox LT AWD | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Equinox LTZ 2WD | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Equinox LTZ AWD | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Equinox LTZ AWD | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in vehicle garaging location which can revise prices noticeably.
We can estimate from the data above that using a $100 deductible costs an average of $34 more each month or $408 annually across all Chevrolet Equinox models than opting for 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 average at least 26 months between claims, you would probably save some money if you choose a higher deductible. Below is how you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $110 |
| Average monthly premium for $1,000 deductibles (subtract): | – $76 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
How accidents and violations affect rates in Pittsburgh
The chart below illustrates how violations and accidents can affect Chevy Equinox auto insurance rates for different age categories. Data assumes a married female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
Score discounts to get cheaper Pittsburgh auto insurance rates
Companies don’t always list their entire list of discounts in a way that’s easy to find, so we took the time to find a few of the more common and also the lesser-known credits available to you.
- Active Service Discounts – Being on active duty in the military could qualify you for better auto insurance rates.
- Professional Organizations – Being in a civic or occupational organization in Pittsburgh could earn you a nice discount on your next auto insurance statement.
- Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
- Accident Forgiveness – This one isn’t a discount, but certain companies will forgive one accident without raising rates so long as you are claim-free for a set time period.
- Early Renewal Discounts – A few companies give discounts for buying a policy prior to your current Equinox insurance policy expiring. The savings is around 10%.
A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So when it seems like you could get a free auto insurance policy, companies don’t profit that way.
The example below illustrates the difference between Chevy Equinox auto insurance costs with and without policy discounts. The data is based on a female driver, no violations or claims, Pennsylvania state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, homeowner, and claim-free discounts applied.
A partial list of companies that have most of the discounts above include:
When getting a coverage quote, ask every prospective company which credits you are entitled to. Depending on the company, some discounts may not apply to policyholders in Pittsburgh. To see insurers with significant discounts in Pittsburgh, follow this link.
Should I contact an agent?
Many people would rather talk to an insurance agent and doing that can be a smart decision An additional benefit of price shopping on the web is that you can obtain the best rates and still have a local agent. Supporting neighborhood insurance agencies is still important in Pittsburgh.
Once you complete this quick form, your coverage information gets sent to local insurance agents in Pittsburgh who want to provide quotes for your business. It makes it easy because there is no need to leave your house since price quotes are sent to you directly. You can most likely find cheaper rates without a big time investment. In the event you want to get a rate quote from one company in particular, you can always visit that company’s website to submit a rate quote request.
Finding a good insurer needs to be determined by more than just a cheap price quote. These are valid questions to ask:
- Are they in the agency full-time?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Which family members are covered?
- How long have they worked with personal auto insurance coverage?
- Is the agent and/or agency licensed to do business in Pennsylvania?
- Will your rates increase after a single accident?
The best insurance company isn’t always the cheapest
We’ve covered some good ideas how you can shop for Chevy Equinox insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even discover the best rates are with a small local company.
Some insurance providers may not offer price quotes online and most of the time these regional insurance providers only sell through independent agencies. Discount Chevy Equinox insurance can be found both online as well as from insurance agents, and you should compare rates from both to have the best selection.
As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut comprehensive coverage or liability limits and learned later that it was a big mistake. The goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.
How to buy lower priced Chevy Equinox insurance in Pittsburgh
To save the most money, the best way to find cheaper car insurance rates is to compare quotes annually from companies that sell auto insurance in Pittsburgh.
First, try to learn about car insurance and the modifications you can make to keep rates down. Many policy risk factors that result in higher prices like tickets, at-fault accidents, and a less-than-favorable credit rating can be amended by making minor driving habit or lifestyle changes.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like Progressive and State Farm, while independent agencies can quote rates for a wide range of insurance providers. Get quotes now
Third, compare the new rates to your current policy premium to see if you can save by switching companies. If you can save money, make sure there is no coverage gap between policies.
A good tip to remember is to use the same liability limits and deductibles on every quote request and and to compare every insurance company. Doing this provides the most accurate price comparison and and a good selection of different prices.
More information is available on the following sites:
- Auto Theft Statistics (Insurance Information Institute)
- What Insurance is Cheapest for a GMC Sierra in Pittsburgh? (FAQ)
- What Auto Insurance is Cheapest in Pittsburgh, Pennsylvania? (FAQ)
- Who Has Affordable Pittsburgh Auto Insurance for Teenage Females? (FAQ)
- Speed and Speed Limit FAQ (iihs.org)
- Teen Driver Licensing Information (iihs.org)
- Distracted Driving (Insurance Information Institute)