Do you want an efficient way to compare lower-priced Chevy Equinox insurance in Savannah? Feeling guilty for buying high-priced Chevy Equinox insurance in Savannah? Believe me when I say there are lots of Savannah residents who feel the same.

Insurance quote for Chevy Equinox in SavannahAmazingly, most insurance buyers renewed their policy with the same company for more than four years, and approximately 40% of consumers have never compared rate quotes at all. Many drivers in Georgia could save $960 every year by just shopping around, but they assume it's a waste of time to find cheap insurance rates. Many car insurance companies compete for your insurance dollar, so it's not easy to compare every insurer and get the best coverage at the lowest price on Chevy Equinox insurance in Savannah.

It's smart to do price comparisons periodically since insurance prices fluctuate regularly. Despite the fact that you may have had the lowest price on Chevy Equinox insurance in Savannah six months ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because I'm going to teach you the easiest way to reduce your cost while increasing coverage.

Low-cost companies for Chevy Equinox insurance in Georgia

The providers in the list below provide price comparisons in Georgia. If multiple companies are shown, it's highly recommended you click on several of them to find the most competitive auto insurance rates.

Chevrolet Equinox Insurance Rate Estimates in Savannah, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $190 $342 $370 $22 $110 $1,034 $86
Equinox LT 2WD $324 $690 $512 $30 $154 $1,710 $143
Equinox LS AWD $144 $268 $370 $22 $110 $914 $76
Equinox LT AWD $238 $436 $378 $22 $114 $1,188 $99
Equinox LTZ 2WD $182 $392 $444 $26 $134 $1,178 $98
Equinox LTZ AWD $370 $706 $402 $24 $120 $1,622 $135
Equinox LTZ AWD $344 $604 $394 $24 $118 $1,484 $124
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can alter price quotes substantially.

Policy deductibles

One of the hardest decisions when shopping for auto insurance is how high or low should comp and collision deductibles be. The rates below highlight the differences in price between low and high comp and collision deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Chevrolet Equinox insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $304 $512 $394 $24 $118 $1,377 $115
Equinox LT 2WD $304 $512 $394 $24 $118 $1,377 $115
Equinox LS AWD $304 $512 $394 $24 $118 $1,377 $115
Equinox LT AWD $304 $512 $394 $24 $118 $1,377 $115
Equinox LTZ 2WD $344 $604 $394 $24 $118 $1,509 $126
Equinox LTZ AWD $344 $604 $394 $24 $118 $1,509 $126
Equinox LTZ AWD $344 $604 $394 $24 $118 $1,509 $126
Get Your Own Custom Quote Go
Chevrolet Equinox insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $188 $322 $394 $24 $118 $1,046 $87
Equinox LT 2WD $188 $322 $394 $24 $118 $1,046 $87
Equinox LS AWD $188 $322 $394 $24 $118 $1,046 $87
Equinox LT AWD $188 $322 $394 $24 $118 $1,046 $87
Equinox LTZ 2WD $212 $380 $394 $24 $118 $1,128 $94
Equinox LTZ AWD $212 $380 $394 $24 $118 $1,128 $94
Equinox LTZ AWD $212 $380 $394 $24 $118 $1,128 $94
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in specific garaging location which can raise or lower auto insurance rates noticeably.

Based on the figures above, using a $250 deductible costs approximately $30 more each month or $360 annually than choosing the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 25 months between claims, you would most likely save money by going with a higher deductible.

Car insurance discounts are available to get cheap rates

Insurance can cost an arm and a leg, but there may be some discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but some may not be applied and must be asked for before you get the savings.Car insurance discounts

As a footnote on discounts, most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn't be very happy. But all discounts will help lower your car insurance premiums.

Insurance companies that possibly offer some of the above discounts possibly include:

When getting free Savannah car insurance quotes, it's a good idea to every company how many discounts you can get. Discounts might not be available to policyholders everywhere. To see a list of car insurance companies with significant discounts in Savannah, click here.

Why Your Insurance Rates might be higher

Lots of factors are considered when premium rates are determined. Some are pretty understandable such as your driving history, although some other factors are more transparent like your vehicle usage or how financially stable you are. Part of the auto insurance buying process is learning some of the things that help calculate your auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that could result in lower rates.

Do you know your deductibles? - The deductibles are how much the insured will be required to pay in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are rearending another vehicle, animal collisions, or theft of your vehicle. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be.

If you don't need it don't buy it - There are many extra bells and whistles that may not really be needed on your auto insurance policy. Coverages for rental car coverage, death and dismemberment, and term life insurance are some examples. They may sound like good ideas when buying your policy, but if you've never needed them in the past get rid of them and save.

Safer occupants lowers premiums - Vehicles with high crash test scores cost less to insure. The safest vehicles reduce injuries and reduced instances of injuries means lower claim amounts which can mean better rates for you.

Obey driving laws and save - Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers get better rates as compared to careless drivers. Having just one chargeable violation can increase rates to the point where it's not affordable. Drivers who get flagrant citations such as DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 form with their state DMV in order to drive a vehicle legally.

Insurance losses for a Chevy Equinox - Insurance companies use past insurance losses to help calculate a profitable premium price. Models that are shown to have higher claim amounts or frequency will have higher rates for specific coverages. The table below illustrates the collected loss data for Chevy Equinox vehicles.

For each policy coverage type, the claim amount for all vehicles averaged together is equal to 100. Numbers that are below 100 indicate a favorable loss history, while values that are 100 or greater indicate more frequent losses or a tendency for losses to be larger than average.

Chevrolet Equinox Insurance Loss Statistics

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Chevrolet Equinox 4dr 2WD 82 86 74 101 104 93
Chevrolet Equinox 4dr 4WD 84 88 85 89 93 81
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Neighborhood insurance agents

Some consumers would prefer to have an agent's advice and that is a personal choice. Experienced insurance agents are trained risk managers and help you file claims. One of the benefits of price shopping on the web is that drivers can save money and get lower rates and also buy local. And supporting neighborhood agents is especially important in Savannah.

Savannah insurance agentsTo make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is emailed to local insurance agents in Savannah that can provide free Savannah car insurance quotes for your business. It's much easier because you don't need to drive around since rate quotes are delivered to you. If you wish to compare prices from a specific company, don't hesitate to jump over to their website and give them your coverage information.

When narrowing the list to find an insurance agent, it can be helpful to understand the different types of agents and how they can write your policy. Agencies in Savannah are classified as either independent (non-exclusive) or exclusive. Both types can write auto insurance policies, but it's important to point out how they differ since it may influence your selection of an agent.

Independent Auto Insurance Agents (or Brokers)

Agents that elect to be independent do not sell for just one brand so as a result can place your coverage through many companies and get you the best rates possible. If premiums increase, your policy is moved internally and you stay with the same agent.

If you are comparing rate quotes, you absolutely need to include price quotes from several independent insurance agents so that you can do a thorough price comparison.

Below is a short list of independent insurance agencies in Savannah that can possibly get you free auto insurance rate quotes.


7929 Abercorn St Ste 430 - Savannah, GA 31406 - (912) 925-1217 - View Map


8503 Heather Wood Dr - Savannah, GA 31406 - (912) 748-9970 - View Map


7180 Hodgson Memorial Dr - Savannah, GA 31406 - (912) 355-4549 - View Map

View more Savannah agents

Exclusive Agents

These agents can only quote rates from one company such as Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to compare other company's rates so they have to upsell other benefits. Exclusive agents are very knowledgeable on what they offer which helps them compete with independent agents.

Shown below is a short list of exclusive insurance agencies in Savannah willing to provide rate quotes.


1102 Shannon Ave - Savannah, GA 31406 - (912) 355-5659 - View Map


3228 Skidaway Rd - Savannah, GA 31404 - (912) 354-6464 - View Map


12020 Abercorn St - Savannah, GA 31419 - (912) 662-7272 - View Map

View more Savannah agents

Finding the right car insurance agent requires more thought than just a cheap price quote. A good agent in Savannah will have answers to these questions.

Do drivers who switch really save $413 a year?

Georgia drivers can't get away from ads that claim the lowest prices by State Farm, Allstate and GEICO. All the companies seem to make the promise that you'll save big just by switching your coverage.

But how can every company lower your prices? Just pay attention to how they say it.

Insurance companies require specific criteria for the type of driver that makes them money. One example of a desirable insured could possibly be a married male, owns a home, and has a high credit rating. A customer getting a price quote who meets those qualifications will qualify for the lowest car insurance rates in Savannah and will save quite a bit of money when switching.

Potential insureds who do not match those standards may be required to pay a higher premium which results in the customer not purchasing. The ad wording is "people who switch" not "everyone that quotes" save that much. That's the way companies can make the claims of big savings.

This really emphasizes why it is so important to quote coverage with many companies. Because you cannot predict which insurance company will have the lowest car insurance rates for your situation.

Affordable insurance is out there

You just learned many ideas to lower your Chevy Equinox insurance rates in Savannah. The key thing to remember is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with a lesser-known regional company. Smaller companies may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm or Progressive.

Some insurance companies may not have the ability to get quotes online and usually these small, regional companies only sell coverage through independent agents. Lower-priced insurance in Savannah can be sourced online in addition to many Savannah insurance agents, so you should compare both to have the best rate selection.

Additional information is available at these links: