Finding cheaper insurance for a Chevy Equinox in Texas can normally be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to shop for car insurance and we’ll show you the proper way to quote coverages on a Chevy and obtain the lowest price.
Car insurance discounts help lower rates
Companies do not list all their discounts very well, so the list below details some of the more common in addition to some of the lesser obvious car insurance savings.
- Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Equinox insurance with select insurance companies.
- Clubs and Organizations – Belonging to qualifying clubs or civic groups could earn you a nice discount on your next renewal.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and earn discounts up to 10%.
- Discount for Multiple Policies – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
- Discount for Good Grades – Maintaining excellent grades can earn a discount of 20% or more. You can use this discount normally until age 25.
- Passive Restraints – Options like air bags or motorized seat belts may qualify for discounts of more than 20%.
- Student in College – College-age children who live away from home to go to college without a vehicle on campus could qualify for this discount.
- Onboard Data Collection – Houston drivers who agree to allow data collection to track driving patterns by using a telematic data system such as Progressive’s Snapshot may see discounts if they exhibit good driving behavior.
- Save over 55 – If you’re over the age of 55, you could receive a discount up to 10% for Equinox insurance.
As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Even though it may seem like you could get a free car insurance policy, it doesn’t quite work that way.
Some companies that may have most of these discounts may include but are not limited to:
When getting , it’s a good idea to each company to apply every possible discount. Some discounts might not apply in Houston. To choose car insurance companies who offer discounts in Houston, click here to view.
How do I know if I need professional advice?
When choosing the best car insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.
For example, these questions might help in determining if you would benefit from an agent’s advice.
- Will I be non-renewed for getting a DUI or other conviction?
- What is covered by UM/UIM coverage?
- Where can I get insurance after a DUI in Texas?
- Am I getting all the discounts available?
- Am I covered if I wreck a rental car?
- Why am I required to get a high-risk car insurance policy?
- When should I not file a claim?
- Will my rates increase for filing one claim?
- When would I need additional glass coverage?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.
What if I want to buy from local Houston insurance agencies?
Some consumers just want to talk to a local agent and that is recommended in a lot of cases The best thing about getting online price quotes is the fact that drivers can get the lowest rates and still have a local agent.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is transmitted to companies in Houston who want to provide quotes for your insurance coverage. You don’t have to find an agent on your own since price quotes are sent to your email. You’ll get the best rates and an insurance agent to talk to. If for some reason you want to get a price quote from a particular provider, just navigate to their website and complete a quote there.
Selecting an insurance company should include more criteria than just a cheap quote. Before buying a policy, get answers to these questions.
- Is working in the agency their full-time job?
- Do they prorate repair cost based on vehicle mileage?
- Does the agency have a current Errors and Omissions policy?
- Are they giving you every discount you deserve?
- Is the coverage adequate for your vehicle?
- How often do they review coverages?
Choose an insurance agent wisely
If you are wanting to find a reliable insurance agency, you must know there are a couple types of insurance agents and how they are distinctly different. Agencies in Houston can be categorized as either independent agents or captive agents.
Captive Car Insurance Agents
Captive agents normally can only provide a single company’s rates and some examples include American Family, State Farm, and AAA. Captive agents cannot provide other company’s prices so always compare other rates. These agents are usually well trained on the products they sell which helps overcome the inability to quote other rates. Consumers often purchase coverage from captives mostly because of the brand name rather than low price.
Independent Car Insurance Agents
Agents in the independent channel are not employed by any specific company and that allows them to write policies with many different companies and potentially find a lower price. If your premiums go up, they simply move the coverage in-house which is easy for the insured. If you are trying to find cheaper rates, you definitely need to include a couple of independent agencies to get the most accurate price comparison. Most also have access to mutual insurance companies that can offer cheaper rates than bigger companies.
Find out more about car insurance
More detailed Texas car insurance information is located at the Texas Department of Insurance website. Consumers can find disaster information, read state legal mandates and laws, and discover disciplinary actions.
More related Houston car insurance information:
- 6 Shopping Tips Proven to Save Money on Car Insurance Costs in Houston Texas
- Insider Advice on Lower Houston Car Insurance
Smart shoppers get results
We just covered a lot of techniques to shop for Chevy Equinox insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best premium rates are with a small mutual company.
Insureds switch companies for a variety of reasons including not issuing a premium refund, high prices, high rates after DUI convictions or policy cancellation. Regardless of your reason for switching companies, switching car insurance companies can be easy and end up saving you some money.
Affordable Chevy Equinox insurance is definitely available from both online companies and also from your neighborhood Houston agents, so you need to with both to have the best rate selection. Some insurance companies don’t offer online rate quotes and many times these smaller companies prefer to sell through local independent agents.