Auto Insurance Quotes for a Chevy Equinox in Jacksonville

It’s well known that car insurance companies don’t want you to look for cheaper rates. People who shop around for better prices will probably switch auto insurance companies because they stand a good chance of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that drivers who compared rates once a year saved as much as $860 a year compared to policyholders who never compared other company’s rates.

If finding the cheapest price for auto insurance in Jacksonville is why you’re reading this, then having a grasp of how to get rate quotes and compare coverage rates can save time and make the process easier.

Insurance quote for Chevy Equinox in JacksonvilleThe best way we recommend to find better pricing on Chevy Equinox insurance in Jacksonville is to do a yearly price comparison from insurance carriers who sell insurance in Florida.

Step 1: Take a little time to learn about individual coverages and the measures you can take to prevent expensive coverage. Many things that result in higher prices like accidents, traffic tickets, and an imperfect credit rating can be remedied by making minor changes to your lifestyle. Continue reading for more ideas to get affordable coverage and find additional discounts.

Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agents can provide prices from multiple sources.

Step 3: Compare the price quotes to the price on your current policy to determine if you can save on Equinox insurance. If you find better rates and switch companies, verify that coverage does not lapse between policies.

The key aspect of shopping around is to use similar coverage information on every price quote and and to get rates from every insurance company. Doing this guarantees a level playing field and the best price quote selection.

The companies in the list below provide comparison quotes in Jacksonville, FL. If more than one company is shown, we recommend you visit as many as you can to find the most competitive auto insurance rates.

Chevy Equinox insurance statistics and information

The premium information displayed next showcases a range of rate quotes for Chevy Equinox models. Learning as much as possible about how policy rates are calculated can be useful when making smart choices when purchasing an insurance policy.

Chevrolet Equinox Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $308 $636 $472 $28 $142 $1,586 $132
Equinox LT 2WD $308 $636 $472 $28 $142 $1,586 $132
Equinox LS AWD $308 $636 $472 $28 $142 $1,586 $132
Equinox LT AWD $308 $636 $472 $28 $142 $1,586 $132
Equinox LTZ 2WD $348 $748 $472 $28 $142 $1,738 $145
Equinox LTZ AWD $348 $748 $472 $28 $142 $1,738 $145
Equinox LTZ AWD $348 $748 $472 $28 $142 $1,738 $145
Get Your Own Custom Quote Go

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price information does not factor in your specific Jacksonville location which can impact coverage prices noticeably.

Bad driving habits will cost you more

The diagram below shows how violations and accidents can impact Chevy Equinox premium costs for different age categories. The data assumes a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

Price comparison of only insuring for liability

The illustration below visualizes the comparison of Chevy Equinox car insurance rates with and without physical damage coverage. The data is based on no claims or driving violations, $100 deductibles, drivers are single, and no other discounts are factored in.

When to buy liability coverage only

There is no written rule for excluding full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s pretend your Chevy Equinox replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $2,000 after the deductible is paid. If it’s costing in excess of $200 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Why do I need car insurance?

Despite the high cost of buying insurance for a Chevy Equinox in Jacksonville, insurance is most likely required but also gives you several important benefits.

The benefits of buying insurance are without a doubt worth the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is overpaying more than $865 each year so it’s recommended you shop around once a year at a minimum to ensure rates are inline.

How Your Equinox Insurance Costs are Determined

Smart consumers have a good feel for some of the elements that help calculate your policy premiums. If you know what determines base rates, this empowers consumers to make smart changes that can earn you lower premium levels.

The factors shown below are some of the items that factor into premiums.

Affordable Jacksonville car insurance rates with discounts

Car insurance is easily one of your largest bills, but you may be missing some discounts that you may not even be aware of. Some trigger automatically at the time you complete a quote, but once in a while a discount must be specifically requested in order for you to get them.Discount car insurance

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, it’s just not the way it works.

The chart below shows the comparison of Chevy Equinox car insurance costs with and without discounts applied. The costs are based on a female driver, no claims or driving violations, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, safe-driver, homeowner, and multi-car discounts applied.

Companies and their possible discounts include:

If you are trying to find affordable Jacksonville car insurance quotes, ask every prospective company how you can save money. Some discounts listed above might not be available to policyholders in every state.

Everyone needs different insurance coverages

When choosing coverage, there isn’t really a best way to insure your cars. Every situation is different.Safe vehicles cost less to insure

For example, these questions could help you determine whether or not you might need an agent’s assistance.

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Independent and exclusive insurance agents

Many drivers would prefer to buy from a local agent and doing so can bring peace of mind Professional insurance agents can make sure you are properly covered and will help you if you have claims. A nice benefit of comparing insurance prices online is that you can obtain cheap rate quotes but still work with a licensed agent. Supporting small agencies is important particularly in Jacksonville.

Find insurance agent in JacksonvilleBy using this form (opens in new window), your insurance coverage information is instantly submitted to companies in Jacksonville that provide free Jacksonville car insurance quotes and help you find cheaper coverage. You won’t need to even leave your home due to the fact that quote results will go immediately to you. If you have a need to get a comparison quote from a specific company, you just need to jump over to their website and give them your coverage information.

The following is a short list of insurers in Jacksonville that may be willing to give price quote information for Chevy Equinox insurance in Jacksonville.

2730 College StJacksonville, FL 32205(904) 384-5000View Map

5495 Fort Caroline RdJacksonville, FL 32277(904) 744-2702View Map

13947 Beach Blvd #206Jacksonville, FL 32224(904) 992-0002View Map

1819 3rd St NJacksonville Beach, FL 32250(904) 372-2355View Map

More insurance agents

Choosing a provider shouldn’t rely on just a low price. Any agent in Jacksonville should have no problem answering these questions:

After talking to the agent and getting reasonable responses to all your questions in addition to an acceptable price estimate, you’ve probably found an insurance company that meets the requirements to service your policy.

Quote more to save more

Cheaper insurance in Jacksonville can be purchased online as well as from insurance agents, so you should compare both so you have a total pricing picture. Some companies do not offer price quotes online and most of the time these smaller providers sell through independent agencies.

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. There have been many situations where an insured dropped uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at a price you can afford.

Consumers change insurance companies for many reasons like delays in responding to claim requests, poor customer service, high prices and even policy cancellation. Whatever your reason, switching insurance companies can be less work than you think.

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