San Antonio drivers have lots of choices when trying to find low-cost Chevy Equinox insurance. They can either waste time driving around to compare prices or save time using the internet to get rate quotes.
There is a right way and a wrong way to buy auto insurance and you need to know the absolute fastest way to price shop coverage for a Chevy and locate the best price possible.
If you are insured now or need new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. The purpose of this article is to introduce you to how car insurance quotes work and some money-saving tips. Texas drivers only need to know the most efficient way to shop their coverage around online.
Discounts to earn lower San Antonio auto insurance rates
Auto insurance is not inexpensive, but there could be available discounts that could help you make your next renewal payment. A few discounts will automatically apply at quote time, but less common discounts must be asked about before you will receive the discount.
- Onboard Data Collection – Policyholders that allow data collection to study when and where they use their vehicle by using a small device installed in their vehicle like Allstate’s Drivewise could possibly reduce rates if their driving habits are good.
- Student Discounts – Being a good student can save 20 to 25%. The discount lasts up to age 25.
- Air Bags and Passive Restraints – Factory options such as air bags may qualify for discounts of more than 20%.
- Distant College Student Discount – Older children who are attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
- Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
- Low Mileage Discounts – Keeping the miles down on your Chevy can qualify you for substantially lower premium rates.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.
- Discount for Swiching Early – Some companies provide a discount for renewing your policy before your current policy expires. The savings is around 10%.
- Employee of Federal Government – Having worked for a branch of the government could cut as much as 10% off for Equinox coverage depending on your auto insurance provider.
Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates you can get free auto insurance, nobody gets a free ride.
Some companies that possibly offer these money-saving discounts include:
Check with each company to apply every possible discount. A few discounts may not be available in every state. For a list of insurers offering auto insurance discounts in Texas, click this link.
All major auto insurance companies such as State Farm, GEICO and Progressive allow consumers to get pricing online. This process is fairly simple as you just type in the coverages you want on the page. Once you submit the form, the system pulls reports for credit and driving violations and returns a price quote based on these factors.
Online price quotes helps simplify price comparisons, but having to visit each company’s website and repetitively type in your information can get tiresome after awhile. But it’s very important to compare as many rates as possible if you want to get the best price on auto insurance.
The smarter way to find better auto insurance pricing is to use a quote form that obtains quotes from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes price shopping online much simpler. As soon as you send your information, it is rated and you are able to buy any one of the quotes returned.
If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process can be completed in a matter of minutes and could lower your rates considerably.
To quickly find out how much you can save on auto insurance, click here and submit the form. If you have your current policy handy, we recommend you type in the coverage information just like they are on your policy. Doing this guarantees you’re receiving a fair comparison for similar coverage.
Which policy gives me the best coverage?
When buying adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.
For instance, these questions may help highlight if your situation will benefit from professional help.
- What are Texas no-fault laws?
- Is my Chevy Equinox covered for smoke damage?
- Are there companies who specialize in insuring high-risk drivers?
- What if I don’t agree with a claim settlement offer?
- I don’t drive much so do I pay less?
- Does my insurance cover a custom paint job?
- Why am I be forced to buy a membership to get insurance from some companies?
- Should I buy more coverage than the required Texas minimum liability coverage?
- Does my personal auto insurance policy cover using my vehicle for business use?
- How much liability coverage do I need in Texas?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
The best insurance company isn’t always the cheapest
When shopping online for auto insurance, you should never buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at the lowest possible cost, not the least amount of coverage.
Consumers switch companies for a variety of reasons including delays in paying claims, policy non-renewal, questionable increases in premium and even not issuing a premium refund. Regardless of your reason, finding a new company can be pretty painless.
More affordable auto insurance is available online in addition to many San Antonio insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide rate quotes online and usually these small insurance companies prefer to sell through independent insurance agents.