Discount Chevy Equinox insuranceAre you doing reasearch to find cheaper auto insurance rates in Springfield, MO? Springfield buyers have many options when searching for low-cost Chevy Equinox insurance. They can either spend hours contacting agents to get rate comparisons or utilize the internet to find the lowest rates.

There is a right way and a wrong way to buy auto insurance so we're going to tell you the quickest way to quote coverages for your Chevy and obtain the lowest price.

It's a good idea to shop coverage around occasionally because insurance prices change quite often. Just because you had the best price on Chevy Equinox insurance in Springfield last year you can probably find a lower rate today. There is a lot of bad advice regarding Equinox insurance online but you can learn the easiest ways to lower your auto insurance rates in Springfield.

If you're already insured or are shopping for new coverage, you can use this information to buy cheaper insurance without reducing coverage. Our objective is to help educate you on how to compare rates easily and some tips to save money. Shoppers just have to understand the best way to compare rates on the web.

Low-cost companies for Chevy Equinox insurance

The companies shown below can provide quotes in Springfield, MO. If multiple companies are shown, it's a good idea that you visit several of them in order to find the most competitive rates.

Chevrolet Equinox Insurance Cost Estimates in Springfield, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $198 $392 $346 $20 $104 $1,060 $88
Equinox LT 2WD $144 $288 $302 $18 $90 $842 $70
Equinox LS AWD $198 $392 $346 $20 $104 $1,060 $88
Equinox LT AWD $100 $186 $256 $16 $76 $634 $53
Equinox LTZ 2WD $146 $274 $250 $14 $74 $758 $63
Equinox LTZ AWD $140 $296 $322 $20 $96 $874 $73
Equinox LTZ AWD $294 $488 $348 $20 $104 $1,254 $105
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in specific location information which can impact premium rates substantially.

Physical damage deductible comparison

One of the more difficult decisions when buying auto insurance is what deductibles to buy. The rates shown below summarize the rate differences between low and high policy deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.

Chevrolet Equinox insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $230 $414 $266 $16 $80 $1,031 $86
Equinox LT 2WD $230 $414 $266 $16 $80 $1,031 $86
Equinox LS AWD $230 $414 $266 $16 $80 $1,031 $86
Equinox LT AWD $230 $414 $266 $16 $80 $1,031 $86
Equinox LTZ 2WD $258 $488 $266 $16 $80 $1,133 $94
Equinox LTZ AWD $258 $488 $266 $16 $80 $1,133 $94
Equinox LTZ AWD $258 $488 $266 $16 $80 $1,133 $94
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Chevrolet Equinox insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $128 $218 $266 $16 $80 $708 $59
Equinox LT 2WD $128 $218 $266 $16 $80 $708 $59
Equinox LS AWD $128 $218 $266 $16 $80 $708 $59
Equinox LT AWD $128 $218 $266 $16 $80 $708 $59
Equinox LTZ 2WD $144 $258 $266 $16 $80 $764 $64
Equinox LTZ AWD $144 $258 $266 $16 $80 $764 $64
Equinox LTZ AWD $144 $258 $266 $16 $80 $764 $64
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in vehicle location which can affect coverage prices substantially.

Using the premium rates above, we can conclude that using a $100 deductible costs about $28 more each month or $336 every year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 32 months between claims, you would probably save some money if you decide on a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $89
Average monthly premium for $1,000 deductibles (subtract): - $61
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 32 months

An important sidenote is that raising deductibles results in a higher out-of-pocket expense when you have to file a claim. You need to have enough disposable income in order to pay more for the deductible.

Annual premiums comparing men and women

The illustration below compares Chevrolet Equinox car insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are factored in.

Do you qualify for discounts on Chevy Equinox insurance in Springfield?

Some providers don't list every discount very clearly, so the list below contains some of the best known and the harder-to-find discounts that you may qualify for.

Policy discounts save money, but most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, companies don't profit that way. Any amount of discount will help reduce the premium cost.

A few popular companies and their possible discounts can be read below.

If you need inexpensive Springfield car insurance quotes, ask each company which credits you are entitled to. Some of the earlier mentioned discounts may not apply in your area.

Special considerations

When it comes to your policy, there really is not a "perfect" insurance plan. Your needs are not the same as everyone else's.

These are some specific questions can help discover whether you would benefit from an agent's advice.

If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, free and you can get the answers you need.

When should I get advice from an insurance agent?

Some people just prefer to sit down with an agent and that is a smart decision Agents are very good at helping people manage risk and help in the event of a claim. A nice benefit of comparing rates online is the fact that you can find cheaper rates and also buy local. Buying from and supporting local insurance agents is still important in Springfield.

Find insurance agent in SpringfieldTo make it easy to find an agent, after completing this quick form, your coverage information is submitted to insurance agents in Springfield who will give you quotes for your business. It simplifies rate comparisons since you won't have to find an agent on your own because quoted prices will be sent to you directly. If you need to get a comparison quote from a specific insurance company, you just need to search and find their rate quote page to submit a rate quote request.

Types of car insurance agents in Springfield

When looking for a reputable agency, it helps to know the two different agency structures and how they can quote your rates. Insurance agencies in Springfield are categorized either independent (non-exclusive) or exclusive. Either can write insurance policies, but it's good to learn the subtle differences since it can affect which agent you choose.

Independent Insurance Agents

Agents that choose to be independent are not locked into one company and that allows them to write policies amongst many companies and help determine which has the cheapest rates. If they quote lower rates, your agent can switch companies and you don't have to do anything.

If you are comparing rate quotes, you need to get quotes from independent agents so that you have a good selection of quotes to compare. A lot of them also have access to smaller mutual companies that many times have cheaper rates.

Below is a list of independent insurance agents in Springfield who can help you get free rate quotes.

View more Springfield agents

Exclusive Agencies

These type of agents can only provide pricing for a single company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agents are highly trained on their company's products and that allows them to sell at a higher price point. Some people will only buy from the same agent for years partially due to the brand and solid financial strength.

The following are exclusive agencies in Springfield willing to provide rate quotes.

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Deciding on an auto insurance agent should include more criteria than just a cheap quote. Any agent in Springfield should have no problem answering these questions:

Find cheaper insurance prices by comparing often

As you shop your coverage around, it's a bad idea to buy less coverage just to save a little money. In too many instances, someone sacrificed collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the best possible price while not skimping on critical coverages.

We covered a lot of techniques to lower your Chevy Equinox insurance premium rates in Springfield. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even find the best premium rates are with the smaller companies.

Insureds switch companies for any number of reasons including not issuing a premium refund, unfair underwriting practices, delays in responding to claim requests or even lack of trust in their agent. Regardless of your reason, finding the right insurance provider is less work than it seems.

More information can be found at the links below