Finding affordable auto insurance for a Chevrolet Equinox in Pennsylvania relies on an enormous amount of rating factors such as whether you are married, your residence address, and your motor vehicle report. Drivers in Pennsylvania pay around $1,085 annually to insure their Equinox, but that cost is an estimate calculated using a 40-year-old married male driver with full coverage and $100 deductibles.
The problem with using this number is the good chance you’re not a 40-year-old male, possibly single instead of married, or maybe you need higher liability limits than the state minimum. Having different needs demonstrates why the only real way to find affordable rates for your Chevrolet is to just take the time to compare rates yourself. Compare rate quotes now and you will be able to compare rates from some of the best companies around.
Your Chevrolet’s trim level tends to have a direct impact on the cost of insurance, so the price you will be charged to insure a Equinox LS 2WD will be $116 cheaper than the insurance cost for the higher-end Equinox LTZ AWD trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equinox LS 2WD||$258||$470||$340||$20||$102||$1,190||$99|
|Equinox LT 2WD||$258||$470||$340||$20||$102||$1,190||$99|
|Equinox LS AWD||$258||$470||$340||$20||$102||$1,190||$99|
|Equinox LT AWD||$258||$470||$340||$20||$102||$1,190||$99|
|Equinox LTZ 2WD||$290||$554||$340||$20||$102||$1,306||$109|
|Equinox LTZ AWD||$290||$554||$340||$20||$102||$1,306||$109|
|Equinox LTZ AWD||$290||$554||$340||$20||$102||$1,306||$109|
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in specific location which can change rates substantially.
Choosing a good quality insurer can be rather challenging considering how many choices there are in Pennsylvania. The ranking data shown below could help you select which auto insurers you want to consider when trying to find the cheapest insurance for a Chevrolet Equinox. These ratings include companies who write in the majority of U.S. states, so smaller regional companies are not factored into this list.
Top 10 Major Auto Insurers in Pittsburgh Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Erie Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
Top 10 Major Auto Insurers Overall in Pittsburgh
- The General
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
Should you buy full coverage?
Saving money when shopping for car insurance should be important to most people, and one great way to pay lower rates for insurance for a Chevrolet Equinox is to buy liability only. The example below compares auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The rates are based on no tickets, no at-fault accidents, $500 deductibles, drivers are single, and no additional discounts are factored in.
If we average the cost for ages 20 through 70, physical damage insurance costs $1,838 per year more than just buying liability insurance. That may make you wonder if paying for full coverage is worth it. There is no exact formula of when to stop paying for comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your vehicle’s settlement value is $11,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $10,500 after paying your policy deductible. If premiums are more than $1,050 a year for physical damage coverage, then it might be time to buy liability only.
The example below highlights how deductible selection can raise or lower premium costs when searching for cheap insurance for a Chevrolet Equinox. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The chart above illustrates that a 50-year-old driver could reduce rates by $274 a year by increasing from a $100 deductible up to a $500 deductible, or save $414 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old, could shave $916 every year by using higher deductibles when buying full coverage.
If you do make the decision to raise your deductibles, it’s a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find economical insurance for a Chevrolet Equinox
The list below details some of the recommended money-saving ideas that can help drivers find more affordable auto insurance.
- Safe vehicles cost less to insure
- Pay cheaper rates with good credit scores
- Claim-free drivers earn discounts
- Avoid accidents
- Maintain a clean driving record
- Check for cheaper rates once a year
The last suggestion is extremely important, as we discussed in this article. Prices can change considerably in a year, so don’t be hesitant to buy a policy from a new company if a cheaper price is available.
Staying with the same company for years is fine, but it isn’t a good idea if it’s costing you big bucks every year. Now is a great time to shop around to find cheaper auto insurance for a Chevrolet Equinox in Pittsburgh.
The agents shown below can aid you in deciding which coverages are best, since some drivers aren’t sure which coverage they need and prefer to have a consultation when trying to find the best insurance rates for a Chevrolet Equinox. It can be hard to find the cheapest rates, and insurance agents licensed in the state of Pennsylvania can bring comfort knowing your policy gives you adequate coverage if you have an accident or claim. To find an agent closest to you, click the button after the list or click here to compare rates now.
- Eric Morris – State Farm Insurance Agent
2015 Babcock Blvd – Pittsburgh, PA 15209 – (412) 821-0225
- James L Smith Insurance Agency Inc
304 Cochran Rd – Pittsburgh, PA 15228 – (800) 701-5909
- Dowd Insurance Agency Inc
998, Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477
- Darla Zeli – State Farm Insurance Agent
2513 E Carson St – Pittsburgh, PA 15203 – (412) 431-7166