Save Money on Chevy Equinox Insurance in Fort Worth

We don’t have to tell you that insurance companies don’t want you to look at other companies. Insureds who shop around at least once a year are highly likely to switch to a new company because they have a good chance of finding discount prices. A recent survey discovered that people who compared rates once a year saved $860 a year compared to those who never compared other company’s rates.

If finding the lowest rates on Chevy Equinox insurance in Fort Worth is why you’re reading this, then having an understanding of how to quote and compare coverage rates can help you succeed in saving money.

Insurance quote for Chevy Equinox in Fort WorthIt takes a little time, but the best way to get the cheapest Chevy Equinox insurance in Fort Worth is to compare prices annually from insurers in Texas. Prices can be compared by following these steps.

A good tip to remember is that you use the same physical damage deductibles and liability limits on every price quote and and to compare as many companies as possible. Doing this helps ensure a fair price comparison and a thorough price selection.

Finding cheap Fort Worth insurance quotes is surprisingly easy. The only thing you need to do is invest a little time comparing rate quotes from different insurance companies.

The auto insurance companies shown below are ready to provide free rate quotes in Texas. If the list has multiple companies, it’s highly recommended you click on several of them to get the most competitive price.

Chevy Equinox coverage statistics

The information displayed below outlines estimates of coverage prices for Chevy Equinox models. Being more informed about how auto insurance prices are established can help guide drivers when making decisions on which coverage to buy.

Chevrolet Equinox Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $166 $288 $392 $24 $118 $988 $82
Equinox LT 2WD $166 $288 $392 $24 $118 $988 $82
Equinox LS AWD $166 $288 $392 $24 $118 $988 $82
Equinox LT AWD $166 $288 $392 $24 $118 $988 $82
Equinox LTZ 2WD $186 $338 $392 $24 $118 $1,058 $88
Equinox LTZ AWD $186 $338 $392 $24 $118 $1,058 $88
Equinox LTZ AWD $186 $338 $392 $24 $118 $1,058 $88
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price estimates do not factor in your specific Fort Worth location which can alter auto insurance rates considerably.

Choosing deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The rates shown below show how much more rates are of buying low and high policy deductibles. The first data set uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.

Chevrolet Equinox insurance 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 with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $182 $312 $382 $22 $114 $1,012 $84
Equinox LT 2WD $182 $312 $382 $22 $114 $1,012 $84
Equinox LS AWD $182 $312 $382 $22 $114 $1,012 $84
Equinox LT AWD $182 $312 $382 $22 $114 $1,012 $84
Equinox LTZ 2WD $206 $368 $382 $22 $114 $1,092 $91
Equinox LTZ AWD $206 $368 $382 $22 $114 $1,092 $91
Equinox LTZ AWD $206 $368 $382 $22 $114 $1,092 $91
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Prices do not factor in zip code location which can raise or lower rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $29 more each month or $348 annually than opting for the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 26 months between claims, you would more than likely save some money by going with a higher deductible.

Impact of careless driving on Fort Worth car insurance rates

The example below demonstrates how traffic citations and at-fault accidents impact Chevy Equinox insurance prices for different insured age categories. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

Rate comparison of males versus females

The chart below compares Chevy Equinox insurance rates for male and female drivers. Data assumes no claims or driving violations, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.

Why do I need car insurance?

Despite the high insurance cost for a Chevy Equinox in Fort Worth, insurance may be required for several reasons.

The benefits of carrying adequate insurance more than cancel out the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is wasting up to $855 a year so compare quotes from several companies at every renewal to save money.

Five Tips to Get Lower-cost Fort Worth Insurance Rates

Smart consumers have a good feel for some of the things that help determine your premiums. If you have a feel for what influences your rates, this enables informed choices that may result in lower auto insurance prices.

The list below includes most of the major factors auto insurance companies consider when setting your premiums.

Discounts mean cheaper rates for Chevy Equinox insurance in Fort Worth

Car insurance companies don’t list every available discount in an easy-to-find place, so the list below details some of the best known as well as the least known credits available to lower your premiums when you buy Fort Worth auto insurance online. If you are not receiving all the discounts you deserve, you could be paying more than you need to.Discount car insurance

A little note about advertised discounts, some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, car insurance companies aren’t that generous.

The diagram below shows the comparison of Chevy Equinox insurance costs with and without discounts applied to the premium. The rates are based on a male driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, homeowner, multi-policy, and marriage discounts applied.

Larger car insurance companies and a summarized list of policyholder discounts are:

If you want the cheapest Chevrolet Equinox rate quotes, ask each insurance company which discounts you qualify for. Some credits might not be available to policyholders in your area.

Local Fort Worth car insurance agents and insurance

A small number of people still like to talk to an insurance agent and there is nothing wrong with that. Professional agents can help you build your policy and help in the event of a claim. The best thing about comparing rates online is that drivers can save money and get the best rates and also buy local.

Find insurance agent in Fort WorthBy using this form (opens in new window), your insurance coverage information is transmitted to participating agents in Fort Worth who will gladly provide quotes for your insurance coverage. It’s much easier because you don’t need to leave your house because quoted prices will be sent straight to your inbox. If you wish to quote rates from a specific insurance company, don’t hesitate to find their quoting web page to submit a rate quote request.

Picking the best insurer shouldn’t rely on just the premium amount. Below are some questions you should ask.

Not all auto insurance agents are the same

If you want to use a good insurance agency, it helps to know the two different types of agencies that you can select. Insurance agencies can be categorized as either exclusive agents or independent agents. Either type can sell and service insurance coverage, but it’s a good idea to understand the differences since it could factor into buying decisions.

Exclusive Insurance Agents

These type of agents generally can only insure with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are usually well trained on the products they sell and that allows them to sell at a higher price point. A lot of people use the same agent primarily because of the prominent brand name and the convenience of having a single billing for all their coverages.

Shown below is a short list of exclusive insurance agencies in Fort Worth that can give you rate quotes.

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Independent Insurance Agents

Agents of this type are not employed by any specific company so they can quote policies through many companies and get the cheapest rates. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to do anything. When shopping rates, we recommend you get several quotes from a few independent agents for the best price selection. They often place coverage with small mutual carriers who may have lower rates.

Shown below is a short list of independent agencies in Fort Worth that can give you price quote information.

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Once you have positive feedback to any questions you have as well as a affordable price, you have narrowed it down to an insurance agency that is a good match to service your policy.

Car insurance savings summarized

In this article, we covered many ideas to reduce Chevy Equinox insurance premium rates online in Fort Worth. The key concept to understand is the more times you quote, the better likelihood of getting affordable Fort Worth auto insurance quotes. You may even be surprised to find that the lowest premium rates come from the smaller companies.

When searching for affordable Chevrolet Equinox insurance quotes, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where someone dropped physical damage coverage and found out when filing a claim they didn’t have enough coverage. The aim is to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

Insureds who switch companies do it for a number of reasons such as lack of trust in their agent, policy non-renewal, high prices and questionable increases in premium. Regardless of your reason for switching companies, switching companies is actually quite simple.

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