Do you want an efficient way to compare more competitive Chevy Equinox insurance in Chattanooga? Finding low cost Chevy Equinox insurance in Chattanooga could be kind of frustrating for drivers who have little experience quoting coverage prices online. With more and more online companies available, it can easily turn into a chore to find the best rates.
A recent survey discovered that the vast majority of consumers have stayed with the same insurance company for well over three years, and just short of a majority have never shopped around. Chattanooga drivers could save almost $500 a year, but they don't know how much money they would save if they just switched companies.
Locating the most cost-effective insurance policy in Chattanooga is really quite simple as long as you have a good starting point. If you currently have insurance, you stand a good chance to be able to find the best rates using the concepts covered in this article. But Tennessee vehicle owners do need to know the way insurance companies price online insurance and apply this information to your search.
The quickest method to compare rates for Chevy Equinox insurance in Chattanooga utilizes the fact most larger insurance companies participate in online systems to compare their rates. To start a quote, the only thing you need to do is provide the companies a bit of rating information like if the vehicle is leased, the type of vehicles you drive, if you require a SR-22, and your job. Those rating factors gets sent immediately to many of the top insurers and they respond with quotes very quickly.
To check Chevy Equinox insurance prices now, click here and find out if lower rates are available in Chattanooga.
The providers in the list below offer comparison quotes in Chattanooga, TN. If multiple providers are shown, we recommend you click on several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equinox LS 2WD||$244||$516||$350||$20||$104||$1,234||$103|
|Equinox LT 2WD||$254||$376||$378||$22||$114||$1,144||$95|
|Equinox LS AWD||$178||$348||$350||$20||$104||$1,000||$83|
|Equinox LT AWD||$138||$236||$288||$18||$86||$766||$64|
|Equinox LTZ 2WD||$230||$408||$298||$18||$90||$1,044||$87|
|Equinox LTZ AWD||$158||$296||$272||$16||$82||$824||$69|
|Equinox LTZ AWD||$150||$314||$376||$22||$112||$974||$81|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in specific location which can influence auto insurance rates considerably.
Can higher deductibles save money?
The diagram below shows how choosing a deductible and can influence Chevrolet Equinox insurance costs for each different age category. The data is based on a single female driver, full coverage, and no other discounts are factored in.
Auto insurance is not optional in Tennessee
Despite the high insurance cost for a Chevy Equinox in Chattanooga, auto insurance serves several important purposes.
First, the majority of states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability protection in order to license the vehicle. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you have a loan on your vehicle, most lenders will require you to have comprehensive coverage to guarantee loan repayment. If you default on your policy, the lender may insure your Chevy at a much higher rate and require you to pay a much higher amount than you were paying before.
Third, auto insurance preserves both your assets and your vehicle. It will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your Equinox definitely exceed the cost, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying over $750 every year so shop around every year to help ensure money is not being wasted.
Insurance advertising tricks
Insurance companies such as Allstate and Progressive seem to constantly run television, radio, and online ads. They all seem to convey the message about how much you will save if you get a free Chattanooga car insurance quote and switch your policy. But how can every company offer you a better deal on Chevy Equinox insurance in Chattanooga?
All the different companies have specific guidelines for the driver that will generate a profit. For example, this type of risk profile could be between the ages of 30 and 50, has no claims, and drives newer vehicles. A driver who matches those parameters will qualify for the lowest car insurance rates in Chattanooga and will probably save some money.
Consumers who fall short of the requirements may be forced to pay more expensive rates and ends up with business not being written. If you pay attention, the ads say "drivers that switch" not "everybody who quotes" save that kind of money. That's why insurance companies can make claims like that. This really emphasizes why you should compare many company's car insurance rates. It is impossible to guess which insurance companies will have better rates than you're paying now.
Five discounts for lower-cost insurance rates
Insurance can be prohibitively expensive, but there could be significant discounts to help bring down the price. Some discounts will apply when you purchase, but some need to be manually applied prior to getting the savings.
- Buy New and Save - Insuring a new Equinox may earn a small discount since new model year vehicles have better safety ratings.
- Sign Early and Save - Select insurance companies give a discount for switching to them before your current expiration date. You may see this discount when you get Chattanooga car insurance quotes online.
- Distant Student Discount - Youth drivers who attend college more than 100 miles from Chattanooga without a vehicle on campus can receive lower rates.
- Discounts for Seat Belt Usage - Buckling up and requiring all passengers to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
- Paperless Signup - A few insurance companies may give you up to $50 for buying your policy over the internet.
A little note about advertised discounts, most credits do not apply to the entire cost. Most cut specific coverage prices like comp or med pay. So even though it sounds like adding up those discounts means a free policy, insurance companies aren't that generous. But all discounts will cut your insurance premiums.
Popular insurance companies and some of their more popular discounts are included below.
- State Farm may have discounts that include accident-free, good driver, student away at school, passive restraint, multiple autos, Drive Safe & Save, and good student.
- Progressive offers discounts including online signing, continuous coverage, multi-vehicle, online quote discount, homeowner, and good student.
- Travelers policyholders can earn discounts including new car, home ownership, continuous insurance, IntelliDrive, driver training, and payment discounts.
- American Family has discounts for good student, good driver, air bags, multi-vehicle, Steer into Savings, and mySafetyValet.
- Liberty Mutual includes discounts for good student, preferred payment discount, multi-policy, newly retired, new move discount, safety features, and new graduate.
When comparing rates, check with all the companies to apply every possible discount. Some discounts listed above may not apply to policies in Chattanooga.
Are auto insurance agents used anymore?
A small number of people still prefer to get advice from a local agent and doing so can bring peace of mind One of the best bonuses of getting online price quotes is the fact that you can find cheap rate quotes and also buy local.
After filling out this quick form, the coverage information is sent to agents in your area who will return price quotes for your coverage. You never need to drive around because prices are sent to you. You can find lower rates without requiring a lot of work. If you wish to get a price quote from a specific insurance company, you just need to search and find their rate quote page and fill out their quote form.
Finding the right insurer shouldn't rely on just the bottom line cost. Here are some questions you might want to ask.
- Are they involved in claim handling?
- Are you getting all the discounts the company offers?
- Does the agent recommend any additional coverage?
- Are they primarily personal or commercial lines agents in Chattanooga?
- Do the companies they represent have a solid financial rating?
Different types of auto insurance agents in Chattanooga
If you need to find a reputable agency, there are a couple of types of insurance agents and how they are distinctly different. Auto insurance agents can be described as either exclusive or independent.
Agents of this type normally can only provide a single company's rates like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agents are well trained on their products and sales techniques which helps them compete with independent agents. Some insured continue to buy from the same agent for years mostly because of the brand legacy rather than low rates.
The following is a short list of exclusive agents in Chattanooga willing to provide comparison quotes.
- Wade Dyar - State Farm Insurance Agent
1720 Gunbarrel Rd #304 - Chattanooga, TN 37421 - (423) 855-8800 - View Map
- Farmers Insurance: Randall Jones
7161 Lee Hwy #600 - Chattanooga, TN 37421 - (423) 499-9480 - View Map
- Brownie Au - State Farm Insurance Agent
833 McCallie Ave - Chattanooga, TN 37403 - (423) 266-7361 - View Map
Independent Auto Insurance Agents
Agents that elect to be independent are not required to write business for one company and that enables them to quote your coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, an independent agent can move your coverage which makes it simple for you. If you need cheaper auto insurance rates, it's recommended you contact several independent agencies to maximize your price options. Most independent agents also contract with less well-known companies that many times have cheaper rates.
Listed below is a short list of independent agents in Chattanooga that are able to give rate quotes.
- The American Insurance Group, LLC
100 Cherokee Blvd #201 - Chattanooga, TN 37405 - (423) 362-4166 - View Map
- Insurance Planning and Services
1089 Bailey Ave - Chattanooga, TN 37404 - (423) 629-2400 - View Map
- Insurity Group LLC
6148 Lee Hwy Ste 206 - Chattanooga, TN 37421 - (423) 424-4637 - View Map
Your situation helps dictate your coverage
Always remember that when buying your policy for your vehicles, there really is no one-size-fits-all type of policy. Your financial needs are unique.
For instance, these questions might help in determining whether or not you would benefit from professional advice.
- Am I covered if I wreck a rental car?
- How do I insure my teen driver?
- What is covered by UM/UIM coverage?
- What is an adequate liability insurance limit?
- Why am I required to get a high-risk car insurance policy?
- Is other people's property covered if stolen from my vehicle?
If you're not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, simply complete this short form.
Auto insurance coverages
Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane, damage from flooding, hitting a bird and hail damage. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.
Medical payments coverage and PIP
Med pay and PIP coverage provide coverage for bills like doctor visits, nursing services, chiropractic care, pain medications and prosthetic devices. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible
Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn't cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/15 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $15,000 of coverage for damaged property.
Liability coverage pays for claims such as emergency aid, medical services, structural damage and bail bonds. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible. Tennessee requires drivers to carry at least 25/50/15 but drivers should carry better liability coverage.
Uninsured/Underinsured Motorist coverage
This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Equinox.
Since a lot of drivers only carry the minimum required liability limits (25/50/15 in Tennessee), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Coverage for collisions
Collision insurance will pay to fix damage to your Equinox from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible on your Equinox to get cheaper collision coverage.
Lower rates by being persistent
Drivers who switch companies do it for any number of reasons including delays in responding to claim requests, not issuing a premium refund, poor customer service and an unsatisfactory settlement offer. Whatever your reason, finding a great new company can be easy and end up saving you some money.
The cheapest Chevy Equinox insurance in Chattanooga is available on the web and also from your neighborhood Chattanooga agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not provide price quotes online and many times these regional carriers prefer to sell through independent agents.
We just presented a lot of information how to lower your Chevy Equinox insurance prices in Chattanooga. The key concept to understand is the more companies you get rates for, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from a company that doesn't do a lot of advertising.
Additional detailed information can be read by following these links:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- How Much are Auto Insurance Rates for Real Estate Agents in Tennessee? (FAQ)
- Who Has Affordable Tennessee Car Insurance Rates for Business Use? (FAQ)
- Who Has the Cheapest Tennessee Car Insurance for Inexperienced Drivers? (FAQ)
- How Much is Tennessee Car Insurance with Multiple Speeding Tickets? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Toyota Highlander in Tennessee? (FAQ)
- Who Has Cheap Tennessee Car Insurance Quotes for Nurses? (FAQ)
- How Much is Auto Insurance for Used Cars in Tennessee? (FAQ)
- What Auto Insurance is Cheapest in Bartlett, Tennessee? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- What is Covered by GAP Insurance? (Allstate)
- Teen Driving and Texting (State Farm)