Buying cheap car insurance for a Chevrolet Equinox can be pretty simple, but it is dependent upon a very complex rating algorithm that uses multiple factors such as how far you drive to work, your address, and blemishes on your driving record. Drivers in Nebraska will pay around $850 per year to insure their Equinox, but that figure is an estimate based on a 30-year-old single male driver with full coverage and $1,000 deductibles.
More likely than not, you aren’t exactly 30 years old or even a male, possibly married instead of single, or maybe you have a speeding ticket that needs to be factored in. Just a very minor change in policy rating criteria or coverages may result in significant differences in the policy rate.
Each driver’s needs are different, and that demonstrates why the way we recommend to find cheap insurance prices for your Chevrolet is to do the rate comparisons yourself. In less than five minutes you will be able to see rates from the best companies that offer coverage in Nebraska.
Your vehicle’s trim level will likely have an effect on price, so the price to insure a Equinox LS 2WD will cost $64 less than the insurance cost for the more costly Equinox LTZ AWD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equinox LS 2WD||$164||$246||$392||$24||$118||$944||$79|
|Equinox LT 2WD||$164||$246||$392||$24||$118||$944||$79|
|Equinox LS AWD||$164||$246||$392||$24||$118||$944||$79|
|Equinox LT AWD||$164||$246||$392||$24||$118||$944||$79|
|Equinox LTZ 2WD||$184||$290||$392||$24||$118||$1,008||$84|
|Equinox LTZ AWD||$184||$290||$392||$24||$118||$1,008||$84|
|Equinox LTZ AWD||$184||$290||$392||$24||$118||$1,008||$84|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in Omaha location which can revise auto insurance rates significantly.
Buying coverage from a high-quality auto insurance company can be difficult considering how many choices drivers have in Omaha. The ranking data in the next section could help you select which car insurance providers to look at shopping prices with.
The ratings below are only comprised of large nationwide companies, so smaller regional companies will not be included in this list. To compare prices from the insurers below and more, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Omaha car insurance
Insurance providers that offer quotes for a Chevrolet Equinox may also give you price discounts that can reduce rates by as much as 35% if you meet the requirements. A few popular companies and their offered discounts are:
- Progressive may include discounts for online quote discount, online signing, multi-vehicle, multi-policy, good student, continuous coverage, and homeowner.
- GEICO offers premium reductions for anti-lock brakes, membership and employees, federal employee, defensive driver, five-year accident-free, and daytime running lights.
- State Farm may offer discounts for multiple policy, multiple autos, safe vehicle, Drive Safe & Save, accident-free, and Steer Clear safe driver discount.
- Esurance offers discounts including homeowner, Switch & Save, defensive driver, Pac-12 alumni, and anti-theft.
- The Hartford may have discounts that include good student, vehicle fuel type, bundle, anti-theft, and defensive driver.
The example below illustrates the difference between yearly insurance costs with and without policy discounts. The data is based on a female driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, marriage, passive restraint, multiple vehicle, vehicle safety, and safe-driver discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for a Chevrolet Equinox is 28% or $491.
The information below demonstrates how choosing different deductibles can change insurance premiums when searching for cheap insurance for a Chevrolet Equinox. The information is based on a single female driver, comp and collision included, and no additional discounts are factored in.
As shown above, a 40-year-old driver could pocket $330 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $500 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, can save $844 each year by choosing a larger deductible amount. If you do decide to increase your deductibles, it is a good idea to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
How careless driving impacts auto insurance rates
The best way to find good auto insurance prices in Omaha for an Equinox is to drive safe and not have accidents or get tickets. The chart below highlights how traffic violations and fender-benders can raise car insurance rates for different ages of insureds. The premiums are based on a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.
The chart shows that the average cost of an auto insurance policy in Omaha per year with a clean driving record and no accidents is $1,595. Receive one speeding ticket and the average cost swells to $1,809, an increase of $214 each year. Now add one accident along with the one speeding ticket and the yearly cost of auto insurance for a Chevrolet Equinox increases to an average of $2,404. That’s an increase of $808, or $67 per month, just for not being a responsible driver!
If you have coverage questions and would like to have professional advice when trying to find lower insurance rates for an Equinox, the insurance agencies listed below can probably answer your questions and help you decide which car insurance company is the best fit.
To locate an Omaha insurance agent close to you, click the button at the bottom of the list or click here to compare price quotes.
Auto Insurance Mart
1913 Military Ave – Omaha, NE 68111 – (402) 553-0700
United Insurance Agencies and Affordable Auto Insurance
1055 N 115th St #208 – Omaha, NE 68154 – (402) 492-8020
Janice Peterson – State Farm Insurance Agent
9785 Q St Ste #4 – Omaha, NE 68127 – (402) 593-1899