Best Chevy Equinox Insurance in El Paso

Insurance quote for Chevy Equinox in El PasoThe best way to get low-cost Chevy Equinox insurance in El Paso is to make a habit of comparing prices annually from companies in Texas. You can compare rates by following these steps.

The most important part of this process is that you’ll want to make sure you compare identical limits and deductibles on each price quote and and to get prices from as many auto insurance providers as possible. Doing this helps ensure a fair rate comparison and many rates to choose from.

It’s an obvious conclusion that car insurance companies don’t want you to look at other companies. Drivers who compare other prices will most likely switch to a new company because they have a good chance of finding a lower-priced policy. A recent study showed that drivers who regularly compared price quotes saved as much as $70 a month as compared to drivers who never shopped around for lower prices.

If finding low prices for Chevy Equinox insurance in El Paso is your objective, then having an understanding of how to shop and compare insurance can make it easier for you to save money.

Car insurance providers offering low-cost rate quotes in Texas

The car insurance companies shown below offer price comparisons in El Paso, TX. If multiple companies are shown, we recommend you get rate quotes from several of them to get a more complete price comparison.

Rates and information analytics

The premium table below covers different prices for Chevy Equinox models. Being more informed about how insurance rates are calculated can help you make smart choices when comparing insurance rates.

Chevrolet Equinox Insurance Rates in El Paso, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $184 $332 $358 $22 $108 $1,004 $84
Equinox LT 2WD $184 $332 $358 $22 $108 $1,004 $84
Equinox LS AWD $184 $332 $358 $22 $108 $1,004 $84
Equinox LT AWD $184 $332 $358 $22 $108 $1,004 $84
Equinox LTZ 2WD $208 $392 $358 $22 $108 $1,088 $91
Equinox LTZ AWD $208 $392 $358 $22 $108 $1,088 $91
Equinox LTZ AWD $208 $392 $358 $22 $108 $1,088 $91
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price estimates do not factor in specific location information which can raise or lower insurance rates significantly.

Physical damage deductible comparison

The hardest decision when buying coverage is where should you set your physical damage deductibles. The data tables below summarize how much more rates are between high and low insurance deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Chevrolet Equinox insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $294 $496 $382 $22 $114 $1,333 $111
Equinox LT 2WD $294 $496 $382 $22 $114 $1,333 $111
Equinox LS AWD $294 $496 $382 $22 $114 $1,333 $111
Equinox LT AWD $294 $496 $382 $22 $114 $1,333 $111
Equinox LTZ 2WD $332 $584 $382 $22 $114 $1,459 $122
Equinox LTZ AWD $332 $584 $382 $22 $114 $1,459 $122
Equinox LTZ AWD $332 $584 $382 $22 $114 $1,459 $122
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Chevrolet Equinox insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $240 $400 $382 $22 $114 $1,158 $97
Equinox LT 2WD $240 $400 $382 $22 $114 $1,158 $97
Equinox LS AWD $240 $400 $382 $22 $114 $1,158 $97
Equinox LT AWD $240 $400 $382 $22 $114 $1,158 $97
Equinox LTZ 2WD $270 $472 $382 $22 $114 $1,260 $105
Equinox LTZ AWD $270 $472 $382 $22 $114 $1,260 $105
Equinox LTZ AWD $270 $472 $382 $22 $114 $1,260 $105
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in garaging location in El Paso which can influence premiums substantially.

We can derive from the above data that using a $250 deductible costs roughly $16 more each month or $192 every year than choosing the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 16 months between claims, you would most likely save money going with the higher deductible. The numbers below show the way you can make your own decision.

Average monthly premium for $250 deductibles: $116
Average monthly premium for $500 deductibles (subtract): – $100
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important thing to remember is that raising deductibles to save money means you will have to pay more of your own money when you have a physical damage claim. You must have enough money in the bank in the event you have to pay the deductible to have repairs made.

The diagram below shows how different deductible levels and can impact Chevy Equinox annual premium costs for different ages of insureds. Data assumes a married male driver, full coverage, and no additional discounts are factored in.

Driving violations and accidents

The information below illustrates how speeding tickets and at-fault claims can impact Chevy Equinox premium costs for different categories of driver ages. The rate quotes are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Determine discounts on El Paso car insurance

Auto insurance companies don’t list the complete list of policy discounts in a way that’s easy to find, so the following list contains both the well known as well as some of the hidden discounts that may be available.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like you could get a free car insurance policy, it just doesn’t work that way.

The example below visualizes the comparison of Chevy Equinox insurance rates with and without some available policy discounts. The premiums assume a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, marriage, claim-free, and safe-driver discounts applied.

Some companies that may include these money-saving discounts include:

Before buying, ask every prospective company how you can save money. Some discounts listed above might not be available to policyholders in your area. To see a list of providers with the best Chevy Equinox insurance discounts in Texas, click this link.

Buying from auto insurance agents

Many people still prefer to have an agent’s advice and that is not a bad decision Good insurance agents are trained to spot inefficiencies and help submit paperwork. One of the benefits of getting online price quotes is that you can find cheap auto insurance rates and still have a local agent. And supporting local insurance agencies is important especially in El Paso.

Insurance agency in El PasoUpon completion of this simple form, your information is submitted to companies in El Paso who can give free rate quotes for your auto insurance coverage. You don’t have to search for an agent as quotes are delivered straight to your inbox. If you have a need to get a comparison quote from a specific company, you would need to jump over to their website and give them your coverage information.

Picking a company is decision based upon more than just a low price. Before buying a policy in El Paso, get answers to these questions.

If you receive good feedback for all questions you ask and a low price estimate, you may have found an insurance company that can be trusted to insure your vehicles. Just keep in mind you are entitled to cancel coverage whenever you choose to so don’t assume you’re contractually obligated to your new company for the full term.

El Paso car insurance companies ranked

Buying coverage from the highest-rated car insurance company is difficult considering how many different companies insure vehicles in Texas. The company information below may help you select which coverage providers you want to consider purchasing a policy from.

Top 10 El Paso Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

One last note

Throughout this article, we presented a lot of information how to shop for Chevy Equinox insurance online. The key thing to remember is the more you quote El Paso auto insurance, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from the smaller companies.

A few companies may not have online rate quotes and most of the time these smaller providers only sell coverage through local independent agents. Cheaper Chevy Equinox insurance in El Paso can be found online and from local insurance agents, and you should compare rates from both to get a complete price analysis.

Insureds change insurance companies for a number of reasons such as questionable increases in premium, high prices, delays in paying claims or lack of trust in their agent. Regardless of your reason for switching companies, finding a great new company can be pretty painless.

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