Buying economical auto insurance for a Chevrolet Equinox in California relies on a complicated formula that considers factors such as the safety rating for your Equinox, if you have prior claims, and the deductible amount you use. Drivers pay approximately $1,060 a year to insure their Equinox, but that cost is a projection calculated based on a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
It’s highly likely you are not 30 years old and maybe not even male, possibly single instead of married, and maybe your Equinox just needs liability-only coverage. Each driver’s needs are different, and that demonstrates why the best way to find cheap auto insurance rates for your Chevrolet is to just take the time to compare rates yourself.
Insure Your Chevrolet for Less
The trim level of your Equinox tends to have a direct effect on the cost of coverage, so the rate you pay to insure a Equinox LS 2WD trim level will be $92 less than the insurance cost for the more well-appointed Equinox LTZ AWD trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Equinox LT 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Equinox LS AWD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Equinox LT AWD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Equinox LTZ 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Equinox LTZ AWD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Equinox LTZ AWD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in garaging location in Sacramento which can affect insurance rates greatly.
Ending up with the highest-rated company can be difficult considering how many different companies there are to choose from in California. The ranking information in the next section can help you analyze which providers you want to consider when buying insurance for a Chevrolet Equinox.
The rankings below only include the companies with a significant amount of written premium nationwide, so companies that only write business in California or surrounding areas are not included in these rankings. If you would like to check rates and find cheaper insurance for a Chevrolet Equinox, just click here.
Top 10 Major Auto Insurance Providers in Sacramento Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Major Auto Insurance Providers in Sacramento Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Discount Sacramento car insurance rates
Auto insurance companies that offer coverage for a Chevrolet Equinox may also provide discounts that could lower prices by as much as 35% or more if you qualify. Larger insurance companies and a summarized list of policyholder discounts are outlined below.
- GEICO has savings for military active duty, federal employee, emergency military deployment, seat belt use, and membership and employees.
- MetLife discounts include good driver, accident-free, claim-free, defensive driver, good student, and multi-policy.
- Progressive offers premium reductions for multi-vehicle, online signing, online quote discount, good student, continuous coverage, and multi-policy.
- Travelers offers discounts including save driver, multi-policy, good student, home ownership, payment discounts, new car, and early quote.
- SAFECO may offer discounts for teen safe driver, anti-lock brakes, accident prevention training, multi-car, and drive less.
- AAA may have discounts that include good driver, anti-theft, good student, AAA membership discount, multi-policy, education and occupation, and pay-in-full.
The information below visualizes the comparison of insurance prices with and without discounts applied to the premium. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple policy, homeowner, passive restraint, accident-free, multiple vehicle, and claim-free discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for a Chevrolet Equinox is 28% or $788.
Comparison of full coverage and liability-only policies
Paying a lower price for insurance is probably important to the majority of vehicle owners, and a good way to buy cheaper insurance for a Chevrolet Equinox is to only buy liability insurance. The chart below compares insurance premiums with liability coverage only compared to full coverage. The rates are based on no violations or accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.
Averaged out for all age groups, physical damage coverage on your policy costs $2,656 per year more than just buying liability insurance. That brings up the question if it’s a good idea to buy full coverage. There is no definitive guideline for phasing out physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your vehicle’s claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying your deductible. If it’s costing in excess of $700 a year to have full coverage, then it might be time to consider dropping full coverage.
Ideas to find economical car insurance for a Chevrolet Equinox
The list below shows some of the recommended penny-pinching ideas that can help California drivers locate cheap car insurance.
- Buy a car with high safety ratings
- Be a safe driver
- Pay cheaper rates with good credit scores
- Maintain a safe distance and avoid accidents
- Increase your policy deductibles
- Do not waste money insuring older vehicles for full coverage
- Ensure you have the best deal by shopping around regularly
The last tip is certainly significant, as was noted in the prior article. Prices charged by auto insurers in Sacramento change frequently, so drivers shouldn’t be resistant to buy from a new company if a cheaper price is available.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that stubbornness costs you a small fortune. In less than five minutes you could shop around and find cheaper insurance for a Chevrolet Equinox.
If you have questions and prefer to get some guidance when buying car insurance for an Equinox, the professional agents shown below can most likely help you decide which policy is best. To find a Sacramento insurance agency near you, click the button after the list.
The United Brokers Insurance Agency Inc
7750 College Town Dr #101 – Sacramento, CA 95826 – (877) 223-4437
Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J St – Sacramento, CA 95816 – (916) 251-3548
Skyles Insurance Agency
9840 Business Park Dr – Sacramento, CA 95827 – (888) 900-9989
Travis Beyer – State Farm Insurance Agent
2455 Jefferson Blvd #115 – West Sacramento, CA 95691 – (916) 375-0144
Tim Kwong – State Farm Insurance Agent
1035 Jefferson Blvd #5 – West Sacramento, CA 95691 – (916) 371-4730