Insurance quote for Chevy Equinox in St. LouisAre you at wits end from being strong-armed to buy insurance? Your situation is no different than most other vehicle owners in Missouri.

Astonishing but true, a large majority of drivers have stayed with the same insurance company for a minimum of four years, and 38% of drivers have never even compared quotes to find cheap rates. The average driver in St. Louis could save themselves up to 25% a year, but they don't believe how much savings they would realize if they switch to a new company. Vehicle owners have many auto insurance companies to purchase coverage from, and even though it's nice to be able to choose, it can be more challenging to find a good deal for Chevy Equinox insurance in St. Louis.

Smart consumers take time to do rate comparisons quite often because insurance prices change regularly. If you had the best rates on Chevy Equinox insurance in St. Louis a couple years back a different company probably has better premium rates today. You can find a lot of misleading information regarding Equinox insurance online, but in this article, you're going to get some tested techniques to buy insurance cheaper in St. Louis.

Quoting and comparing rates for the best-priced policy in St. Louis is not as confusing as people think. If you are already insured or just want a better rate, you can use this information to buy cheaper auto insurance and possibly find even better coverage. Vehicle owners only need an understanding of the quickest way to get comparison rates over the internet.

Finding cheaper insurance quotes can be quick and easy. The only thing you need to do is take time to compare rates online from several insurance companies.

Getting rate quotes online is very simple and it takes the place of having to actually drive to each insurance agency near you. Comparing Chevy Equinox insurance rate quotes online reduces the need to sit down with an agent unless you want the professional advice that can only be provided by a licensed insurance agent. Although, it is possible get prices online and still use a local agent.

The following companies are ready to provide comparison quotes in Missouri. If more than one company is shown, we suggest you click on several of them in order to find the lowest rates.

Chevrolet Equinox Insurance Estimates in St. Louis, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $122 $246 $346 $20 $104 $838 $70
Equinox LT 2WD $124 $214 $272 $16 $82 $708 $59
Equinox LS AWD $144 $288 $302 $18 $90 $842 $70
Equinox LT AWD $110 $214 $280 $16 $84 $704 $59
Equinox LTZ 2WD $200 $404 $250 $14 $74 $942 $79
Equinox LTZ AWD $124 $252 $302 $18 $90 $786 $66
Equinox LTZ AWD $232 $408 $266 $16 $80 $1,002 $84
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in vehicle location which can revise prices noticeably.

Chevrolet Equinox liability-only versus full coverage

The diagram below examines Chevrolet Equinox insurance rates with and without physical damage coverage. The prices are based on no accidents, no driving violations, $500 deductibles, married male driver, and no additional discounts are factored in.

Are you wasting money on full coverage?

There is no definitive formula to exclude physical damage coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let's assume your Chevrolet Equinox replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying your deductible. If you are paying over $200 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some scenarios where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Best reasons to buy insurance in Missouri

Even though it can be expensive, maintaining insurance may be required and benefits you in several ways.

The benefits of buying enough insurance definitely exceed the cost, particularly if you ever have a claim. But the average American driver is overpaying more than $800 each year so smart consumers compare quotes at every renewal to ensure rates are competitive.

Informed Consumers Can Reduce Their Insurance Rates

Many factors are taken into consideration when pricing auto insurance. Some are obvious like a motor vehicle report, but some are not quite as obvious like where you live or your vehicle rating.

Traffic violations are costly - Drivers who don't get tickets get better rates as compared to those with violations. Even a single ticket can boost insurance rates by as much as thirty percent. Drivers who have serious violations such as reckless driving or DUI may need to prove financial responsibility with their state's licensing department in order to continue driving.

Vehicle options that cut premiums - Choosing to buy a car that has a built-in theft deterrent system can help lower your premiums. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.

Auto insurance rates and your vocation - Did you know that where you work can have an impact on rates? Occupations such as military personnel, business owners and dentists generally have higher premiums than the average policyholder because of high stress levels and lengthy work days. Other careers such as scientists, athletes and the unemployed pay the least.

Is your car built for speed? - The type of vehicle you drive makes a big difference in your car insurance bill. Since the Chevrolet Equinox falls in the crossover class, insuring your vehicle will cost slightly more when compared to the average rates in St. Louis. Small economy passenger cars normally have pretty low rates, but the cost you end up paying is determined by many additional factors.

Chevy Equinox insurance loss data - Companies include the past claim trends for vehicles to help determine prices. Vehicles that are shown to have high amounts or severity of claims will have a higher cost to insure.

The information below illustrates the actual insurance loss data for Chevy Equinox vehicles. For each coverage type, the loss probability for all vehicles, without regard to make or model, is considered to be 100. Values that are below 100 represent a good loss history, while numbers above 100 point to more claims or statistically larger losses.

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

Statistics from for 2013-2015 Model Years

Cheaper Chevy Equinox insurance rates in St. Louis

Some insurers do not advertise every policy discount in a way that's easy to find, so we took the time to find some of the more common and also the lesser-known credits available to lower your premiums when you buy St. Louis auto insurance online.Save money with discounts

As a sidenote, some of the credits will not apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, you won't be that lucky.

A few popular companies and some of the premium reductions they offer are outlined below.

Double check with every insurance company how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in your state.

Buying insurance from St. Louis insurance agencies

A lot of people still like to buy from a licensed agent and that is a personal choice. Insurance agents will help you protect your assets and help file insurance claims. The best thing about comparing rate quotes online is that drivers can save money and get lower rates and still have a local agent. Putting coverage with neighborhood insurance agencies is still important in St. Louis.

Insurance agency in St. LouisTo find an agent, once you fill out this simple form, the quote information gets sent to insurance agents in St. Louis who will gladly provide quotes and help you find cheaper coverage. You never need to even leave your home because quoted prices will be sent immediately to you. If you want to quote rates from a specific insurance company, feel free to find their quoting web page and submit a quote form there.

Shown below are agents in St. Louis who can help you get rate quotes for Chevy Equinox insurance in St. Louis.

5516 Telegraph Rd - St. Louis, MO 63129 - (314) 894-1313 - View Map

Angela Rule - State Farm Insurance Agent
5153 Lemay Ferry Rd - St. Louis, MO 63129 - (314) 892-1903 - View Map

2315 Pine St # 103 - St. Louis, MO 63103 - (314) 652-2047 - View Map

6440 Chippewa St - St. Louis, MO 63109 - (314) 352-4494 - View Map

View more St. Louis agents

Selecting an insurance company should depend on more than just a cheap price quote. Ask your prospective agent these questions:

Don't give up on cheaper rates

We covered many ways to shop for Chevy Equinox insurance online. The key concept to understand is the more price quotes you have, the better chance you'll have of finding cheaper St. Louis auto insurance quotes. You may even discover the lowest premium rates come from the smaller companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

The cheapest Chevy Equinox insurance in St. Louis is definitely available online and with local St. Louis insurance agents, and you need to comparison shop both so you have a total pricing picture. Some companies may not provide online price quotes and many times these regional carriers only sell coverage through independent agents.

More detailed auto insurance information can be found at these sites: