Pretty sure you bought an overpriced car insurance policy? You're in good company because there are lots of people in the same boat.
Unimaginable but true, 70% of consumers renewed their policy with the same company for a minimum of four years, and 38% of customers have never compared rates with other companies. American insurance shoppers could save themselves 47% a year by just shopping around, but they assume it's a waste of time to save money by comparing rate quotes. Lots of insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurance companies and get the definite lowest price on Chevy Equinox insurance in Atlanta.
Smart consumers take time to check car insurance prices before your next renewal because prices go up and down regularly. Just because you had the best deal on Chevy Equinox insurance in Atlanta two years ago a different company probably has better rate quotes today. You can find a lot of information about Equinox insurance on the internet, but in this article, you're going to get some of the best ways to lower your car insurance rates in Atlanta.
Cheap companies for Chevy Equinox insurance in Georgia
The companies in the list below offer price comparisons in Georgia. If multiple companies are shown, we recommend you click on several of them in order to find the most affordable rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equinox LS 2WD||$162||$316||$444||$26||$134||$1,082||$90|
|Equinox LT 2WD||$214||$322||$516||$30||$154||$1,236||$103|
|Equinox LS AWD||$338||$612||$394||$24||$118||$1,486||$124|
|Equinox LT AWD||$262||$528||$444||$26||$134||$1,394||$116|
|Equinox LTZ 2WD||$264||$500||$370||$22||$110||$1,266||$106|
|Equinox LTZ AWD||$382||$720||$394||$24||$118||$1,638||$137|
|Equinox LTZ AWD||$192||$350||$406||$24||$122||$1,094||$91|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific Atlanta garaging location which can modify premium rates substantially.
Premiums by gender and age
The example below illustrates the difference between Chevrolet Equinox car insurance costs for male and female drivers. The costs are based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are factored in.
Cheaper rates with these six money saving discounts
Companies that sell car insurance do not advertise all available discounts very clearly, so the list below details some of the more common as well as the least known discounts that you may qualify for. If you don't get every credit available, you are paying more than you should be.
- Discount for Low Mileage - Low annual miles may allow you to get substantially lower premium rates.
- Air Bags and Passive Restraints - Vehicles equipped with air bags may earn rate discounts of more than 20%.
- Life Insurance Discount - Larger insurance companies have a discount if you purchase a life policy as well.
- E-sign - Some of the larger companies will give a small break simply for signing on the web.
- Discounts for Government Workers - Active or former government employment can save as much as 8% with certain companies.
- Seat Belt Usage - Requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
It's important to note that some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, companies don't profit that way.
If you would like to see a list of car insurance companies with significant discounts in Atlanta, follow this link.
Comparing prices from local Atlanta car insurance agents
Many people just prefer to have an agent's advice and that is OK! Good agents can answer important questions and help file insurance claims. A good thing about getting free rate quotes online is that you can obtain lower premium rates and still buy from a local agent.
To find an agent, once you fill out this quick form, the quote information gets sent to local insurance agents in Atlanta who will give competitive quotes for your business. There is no need to drive around since price quotes are sent to the email address you provide. If for some reason you want to quote rates from a specific company, feel free to go to their quote page and give them your coverage information.
Finding the right company is decision based upon more than just the bottom line cost. Get answers to these questions too.
- How long has their agency been open in Atlanta?
- Do they write coverage based solely on cost?
- Will high miles depreciate repair valuations?
- Does the company allow you to choose your own collision repair facility?
- Are you getting all the discounts the company offers?
- Will they take your side in the event of a claim?
- Does the agency have a current Errors and Omissions policy?
- Is their price quote a firm figure or are their hidden costs?
Below are Atlanta car insurance companies that are able to give comparison quotes for Chevy Equinox insurance in Atlanta.
Gibb Insurance Agency
991 Cascade Rd SW - Atlanta, GA 30311 - (404) 758-3511 - View Map
Auto insurance policy coverages for a Chevy Equinox
Knowing the specifics of a auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from auto insurance companies.
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Equinox.
Since a lot of drivers only carry the minimum required liability limits (25/50/25 in Georgia), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Liability car insurance
This coverage can cover damages or injuries you inflict on a person or their property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person's injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.
Liability coverage pays for things like attorney fees, bail bonds, medical expenses and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford. Georgia state minimum liability requirements are 25/50/25 but drivers should carry more coverage.
Comprehensive or Other Than Collision
This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as damage from flooding, hitting a bird, vandalism, a broken windshield and falling objects. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for expenses like surgery, X-ray expenses, nursing services and pain medications. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible
Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims like driving through your garage door, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible on your Equinox to save money on collision insurance.
Car insurance savings summarized
Some car insurance companies may not provide price quotes online and many times these small, regional companies only sell coverage through independent agents. Affordable Chevy Equinox insurance in Atlanta can be sourced both online and with local Atlanta insurance agents, so you should compare both so you have a total pricing picture.
We covered many ideas to reduce Chevy Equinox insurance auto insurance rates online in Atlanta. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. Drivers may even discover the lowest priced car insurance comes from the least-expected company. These companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.
Additional car insurance information is located at these links:
- Self-driving cars won't replace humans (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance Quotes for a Ford Fusion in Atlanta? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Winter Driving (Insurance Information Institute)