How to Compare Corpus Christi Chevy Equinox Insurance

If you want to save money, the best way to find the cheapest price for car insurance rates is to begin comparing prices regularly from insurance carriers who can sell car insurance in Corpus Christi.

Step 1: Try to comprehend the coverage provided by your policy and the modifications you can make to drop your rates. Many rating factors that cause high rates like speeding and a less-than-favorable credit rating can be rectified by making minor driving habit or lifestyle changes. This article provides instructions to lower rates and earn larger discounts.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while agents who are independent can quote rates from multiple companies.

Step 3: Compare the new quotes to your existing rates to determine if you can save on Equinox insurance. If you can save some money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

A valuable tip to remember is to try to use the same amount of coverage on each price quote and and to get rate quotes from every insurance company. This helps ensure an accurate price comparison and the best price selection.

It’s a fact that insurance companies want to prevent you from shopping around. Consumers who get price comparisons will, in all likelihood, buy a new policy because there are good odds of finding good coverage at a lower price. A recent survey revealed that drivers who make a habit of shopping around saved as much as $865 annually as compared to drivers who never shopped around for better prices.

If finding the lowest price for insurance in Corpus Christi is your target objective, learning the best way to compare insurance premiums can make it easier for you to save money.

Many insurance companies like State Farm, Allstate and GEICO make it easy to get pricing from their websites. Getting Chevy Equinox insurance prices online doesn’t take much effort because it’s just a matter of typing in your required coverages into the form. After you complete the form, their quoting system automatically orders your driving record and credit report and returns pricing information determined by many factors. Getting online rates for Chevy Equinox insurance in Corpus Christi streamlines rate comparisons, and it is imperative to do this in order to find the best insurance rates.

To quickly find out if lower rates are available, compare quotes from the companies shown below. If you have a policy now, it’s recommended you complete the form with the coverages as close as possible to your current policy. This ensures you will be getting rate quotes using the exact same coverages.

The companies shown below have been selected to offer comparison quotes in Corpus Christi, TX. If multiple companies are listed, we suggest you get price quotes from several of them in order to get a fair rate comparison.

Facts and figures for Chevy Equinox insurance

The coverage information displayed below highlights different insurance policy prices for Chevy Equinox models. Having insight into how insurance policy premiums are calculated can help guide drivers when making informed decisions when comparing rates.

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in zip code location which can decrease or increase coverage rates greatly.

Higher deductibles lower rates

One frequently asked question is at what level do you set your deductibles. The premium rates below lay out the cost difference when you choose different insurance deductibles. The first data table uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price estimates do not factor in specific garaging location which can influence insurance rates significantly.

Based on the above data, using a $250 deductible costs approximately $29 more each month or $348 for a full year averaged for all Equinox models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 26 months between claim filings, you would most likely save money if you choose the higher deductible. The numbers below show a better example of how you can perform this determination yourself.

How careless driving impacts Corpus Christi auto insurance rates

The illustration below highlights how traffic violations and accidents can drive up Chevy Equinox insurance premiums for each different age category. The data assumes a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Do you qualify for discounts?

Some companies don’t necessarily list all possible discounts in an easy-to-find place, so below is a list both the well known as well as the least known ways to save on auto insurance.

• Club Memberships – Joining qualifying clubs or civic groups could qualify you for a break when shopping for auto insurance.
• Multiple Cars – Having multiple cars or trucks on one policy could earn a price break for each car.
• Early Signing – Some larger companies provide a discount for buying a policy before your current Equinox insurance policy expires. This discount can save up to 10%.
• Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote Corpus Christi auto insurance with some auto insurance companies.
• Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could be rewarded with cheaper rates.
• Discount for Life Insurance – Select auto insurance companies reward you with a break if you buy a life insurance policy as well.
• Safety Course Discount – Participating in a safe driver class could save 5% or more and easily pay for the cost of the class.
• Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and will save you 10% or more on Equinox insurance in Corpus Christi.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will positively reduce your overall bill.

The chart below visualizes the comparison of Chevy Equinox insurance costs with and without discounts applied. The rate quotes are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, claim-free, marriage, and multi-policy discounts applied.

Companies that may offer most of the discounts above possibly include:

• State Farm
• Farmers Insurance
• GEICO
• American Family
• Nationwide
• Progressive

Before you buy a policy, ask each company to give you their best rates. Discounts may not apply to policies everywhere.

It may be expensive, but it’s not optional

Despite the potentially high cost of Chevy Equinox insurance, insurance serves an important purpose.

• The majority of states have minimum liability requirements which means you are required to carry a minimum amount of liability insurance coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your Chevy, almost all lenders will have a requirement that you have full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Chevy at a significantly higher premium and require you to fork over much more than you were paying before.
• Insurance preserves both your Chevy Equinox and your assets. It also can pay for many types of medical costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of your driving. If your Chevy gets damaged, your insurance policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your Equinox outweigh the cost, particularly for liability claims. But the average American driver overpays more than $700 annually so compare rates once a year at a minimum to save money.

Your situation helps dictate your coverage

When selecting coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

• Do I need replacement cost coverage?
• Can I get a multi-policy discount?
• Is other people’s property covered if stolen from my vehicle?
• How does medical payments coverage work?
• What if I don’t agree with a claim settlement offer?
• How can I get high-risk coverage after a DUI?
• How much underlying liability do I need for an umbrella policy?
• Do I have newly-acquired coverage?
• When should I remove my kid from my policy?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Are car insurance agents obsolete?

Certain consumers would prefer to visit with an insurance agent and that can be a great decision Good insurance agents can answer important questions and give you someone to call. One of the best bonuses of comparing rates online is the fact that you can find better rates and still choose a local agent.

To help locate an agent, after submitting this short form, your information is sent to participating agents in Corpus Christi that provide free Corpus Christi auto insurance quotes to get your business. You don’t have to search for an agent since price quotes are sent immediately to you. If you have a need to quote rates from a specific car insurance provider, you just need to navigate to their website and fill out their quote form.

Picking the best provider requires more thought than just the price. You should also get answers to these questions.

• How long has their agency been in business in Corpus Christi?
• Can you choose the body shop in case repairs are needed?
• Did they already check your driving record and credit reports?
• How will an accident affect your rates?
• Do the coverages you’re quoting properly cover your vehicle?
• How much will you save each year by using a higher deductible?
• How many years of experience in personal auto insurance do they have?
• Do the companies they represent have a solid financial rating?

When narrowing the list to find local Corpus Christi agents, there are two different types of agencies that differ in how they can insure your vehicles. Car insurance agents are categorized either independent or exclusive depending on the company they work for. Either one can insure your vehicles properly, but we need to point out the difference between them because it can influence your agent selection.

Exclusive Insurance Agents

These type of agents can usually just insure with one company such as State Farm, Allstate and AAA. These agents are not able to compare other company’s rates so keep that in mind. Exclusive agents are highly trained on sales techniques which helps offset the inability to provide other markets.

Below is a short list of exclusive insurance agencies in Corpus Christi that can give you price quotes.

More insurance agents

Independent Agencies or Brokers

Independent agencies are normally appointed by many insurers so they can quote policies with a variety of different insurance companies and get you the best rates possible. If they quote lower rates, your agent can switch companies which requires no work on your part.

When comparing car insurance prices, you absolutely need to get several quotes from multiple independent agents to maximize your price options.

Shown below are independent insurance agents in Corpus Christi that can give you price quotes.

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