Are you confused by the wide range of auto insurance providers in Columbus? There are so many providers available that it can really be a chore to find lower auto insurance rates on Chevy Equinox insurance. If you live there, you know that Columbus is an excellent city in which to live, but trying to pay high auto insurance rates can make it very difficult to buy full coverage.

Insurance rates Chevy Equinox in ColumbusA recent study showed that a large majority of auto insurance policyholders in Georgia have been with the same company for well over three years, and roughly 40% of drivers have never compared rate quotes at all. American insurance shoppers can save hundreds of dollars each year by just comparing rate quotes, but they just don't understand how easy it is to compare rates online.

If you have a policy now, you will be able to save money using the tips covered below. Buying the best coverage in Columbus is not as hard as you think. Although Georgia drivers benefit from understanding the way insurance companies calculate your policy premium and use it to your advantage.

Best Chevy Equinox insurance rates in Georgia

The car insurance companies shown below can provide free rate quotes in Columbus, GA. If multiple companies are shown, we suggest you click on several of them to get the best price comparison.

Chevrolet Equinox Insurance Price Estimates in Columbus, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $260 $508 $370 $22 $110 $1,270 $106
Equinox LT 2WD $328 $600 $402 $24 $120 $1,474 $123
Equinox LS AWD $262 $502 $414 $24 $124 $1,326 $111
Equinox LT AWD $212 $404 $444 $26 $134 $1,220 $102
Equinox LTZ 2WD $208 $436 $476 $28 $142 $1,290 $108
Equinox LTZ AWD $182 $392 $444 $26 $134 $1,178 $98
Equinox LTZ AWD $370 $706 $402 $24 $120 $1,622 $135
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in your specific Columbus location which can influence auto insurance rates greatly.

Premiums by gender and age

The example below shows the comparison of Chevrolet Equinox premium costs for male and female drivers. The costs are based on no accidents, no driving violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.

How high should deductibles be?

When buying auto insurance, a common question is which comprehensive and collision deductibles to buy. The comparisons below can help you understand how much more rates are when you select higher and lower physical damage coverage deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.

Chevrolet Equinox insurance 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
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Chevrolet Equinox insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $248 $414 $394 $24 $118 $1,198 $100
Equinox LT 2WD $248 $414 $394 $24 $118 $1,198 $100
Equinox LS AWD $248 $414 $394 $24 $118 $1,198 $100
Equinox LT AWD $248 $414 $394 $24 $118 $1,198 $100
Equinox LTZ 2WD $278 $486 $394 $24 $118 $1,300 $108
Equinox LTZ AWD $278 $486 $394 $24 $118 $1,300 $108
Equinox LTZ AWD $278 $486 $394 $24 $118 $1,300 $108
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower premium rates greatly.

We can derive from the above data that using a $250 deductible costs roughly $17 more each month or $204 each year than opting for the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 15 months between claim filings, you would save money if you decide on a higher deductible.

Deductible comparison

The diagram below demonstrates how deductibles and can raise or lower Chevrolet Equinox annual premium costs for different age groups of insureds. The premiums are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Check for these nine money saving discounts

Some insurers don't always publicize every discount in an easy-to-find place, so we researched a few of the more common and the harder-to-find credits that may apply to you.

As a sidenote, many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, nobody gets a free ride. But any discount will definitely lower the cost of coverage.

To see a list of providers with discount auto insurance rates in Columbus, click here.

Buying insurance from Columbus insurance agencies

A lot of people just prefer to have an agent's advice and that is a smart decision A good thing about getting online price quotes is you can get lower rates and still buy from a local agent. Buying from and supporting neighborhood agents is important particularly in Columbus.

Find insurance agent in ColumbusTo find an agent, once you fill out this short form, your insurance data is transmitted to participating agents in Columbus who will give you bids and help you find cheaper coverage. You don't have to do any legwork due to the fact that quote results will go to you. You can most likely find cheaper rates and work with a local agent. If you need to get a rate quote from a particular provider, you can always go to their quote page and give them your coverage information.

If you are wanting to find a reliable insurance agency, you need to know there are two different agency structures and how they are slightly different. Agents are categorized either exclusive or independent (non-exclusive).

Independent Insurance Agencies or Brokers

Agents in the independent channel can sell policies from many different companies and that allows them to write policies amongst many companies and possibly get better coverage at lower prices. If your premiums go up, your agent can switch companies without you having to go to a different agency.

When comparing insurance rates, you will want to include price quotes from independent agents to have the most options to choose from. Most have the option of insuring with smaller regional carriers who may have lower rates.

Below is a short list of independent agencies in Columbus that may be able to give pricing information.

More Columbus agents

Exclusive Insurance Agents

These agents normally can only provide a single company's rates and some examples include AAA, Allstate, and State Farm. Exclusive agents cannot compare rates from other companies so they really need to provide good service. These agents are highly trained on their products and sales techniques and that enables them to sell even at higher rates. Some insured continue to choose to use an exclusive agent mostly because of the prominent brand name instead of buying on price only.

Shown below is a short list of exclusive agencies in Columbus that are able to give price quotes.

More Columbus agents

Finding the right insurance agency needs to be determined by more than just a low price. These are some questions your agent should answer.

Car insurance policy specifics

Understanding the coverages of your car insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance - Liability coverage can cover damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things like loss of income, medical expenses, bail bonds and structural damage. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford. Georgia requires minimum liability limits of 25/50/25 but you should think about purchasing better liability coverage.

Collision - Collision insurance will pay to fix damage to your Equinox resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, colliding with another moving vehicle, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to choose a higher deductible on your Equinox in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) - This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hail damage, vandalism and damage from getting keyed. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, surgery, funeral costs, dental work and prosthetic devices. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance - This coverage gives you protection when other motorists are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy Equinox.

Because many people only purchase the least amount of liability that is required (which is 25/50/25), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Cheap auto insurance rates are available

Discount Chevy Equinox insurance in Columbus is possible on the web in addition to local insurance agencies, so get free Columbus car insurance quotes from both of them to have the best selection. Some insurance companies may not offer internet price quotes and usually these regional insurance providers sell through independent insurance agents.

As you shop your coverage around, don't be tempted to sacrifice coverage to reduce premiums. In many instances, an insured dropped uninsured motorist or liability limits to discover at claim time they didn't purchase enough coverage. The goal is to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, high prices, unfair underwriting practices or even extreme rates for teen drivers. It doesn't matter what your reason, finding a great new company is pretty easy and you might even save some money in the process.

Additional auto insurance information is located at these links: