Insurance quote for Chevy Equinox in Las VegasWant to learn how to buy lower-priced Chevy Equinox insurance in Las Vegas? Trying to find cheaper insurance for a Chevy Equinox in Nevada can turn out to be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to find insurance online and you need to know the best way to quote coverages for a new or used Chevy and obtain the lowest possible price from both online companies and Las Vegas agents.

It is always a good idea to do price comparisons occasionally because insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal on Chevy Equinox insurance in Las Vegas a year ago you can probably find a better rate now. Forget all the misinformation about insurance because I'm going to let you in on the secrets to the best methods to properly buy coverages while reducing your premium.

Companies offering Chevy Equinox insurance in Las Vegas

The following companies can provide price comparisons in Nevada. If multiple companies are shown, we suggest you visit two to three different companies to get the most competitive price.

Chevrolet Equinox Insurance Cost Estimates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $126 $248 $324 $20 $96 $814 $68
Equinox LT 2WD $234 $462 $372 $22 $112 $1,202 $100
Equinox LS AWD $126 $248 $348 $20 $104 $846 $71
Equinox LT AWD $228 $494 $348 $20 $104 $1,194 $100
Equinox LTZ 2WD $234 $480 $296 $18 $88 $1,116 $93
Equinox LTZ AWD $152 $274 $318 $18 $96 $858 $72
Equinox LTZ AWD $184 $366 $416 $24 $124 $1,114 $93
Get Your Own Custom Quote Go

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in vehicle location which can increase or decrease coverage prices significantly.

Auto insurance deductibles

The information below illustrates how choosing a deductible and can raise or lower Chevrolet Equinox yearly insurance costs for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Deductible comparison

One frequently asked question is which deductible level should you buy. The rates shown below can help show how much more rates are when you buy lower versus higher insurance deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Chevrolet Equinox insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $266 $478 $308 $18 $92 $1,187 $99
Equinox LT 2WD $266 $478 $308 $18 $92 $1,187 $99
Equinox LS AWD $266 $478 $308 $18 $92 $1,187 $99
Equinox LT AWD $266 $478 $308 $18 $92 $1,187 $99
Equinox LTZ 2WD $300 $564 $308 $18 $92 $1,307 $109
Equinox LTZ AWD $300 $564 $308 $18 $92 $1,307 $109
Equinox LTZ AWD $300 $564 $308 $18 $92 $1,307 $109
Get Your Own Custom Quote Go
Chevrolet Equinox insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $194 $324 $308 $18 $92 $936 $78
Equinox LT 2WD $194 $324 $308 $18 $92 $936 $78
Equinox LS AWD $194 $324 $308 $18 $92 $936 $78
Equinox LT AWD $194 $324 $308 $18 $92 $936 $78
Equinox LTZ 2WD $218 $382 $308 $18 $92 $1,018 $85
Equinox LTZ AWD $218 $382 $308 $18 $92 $1,018 $85
Equinox LTZ AWD $218 $382 $308 $18 $92 $1,018 $85
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in Las Vegas location which can lower or raise prices substantially.

Based on the data above, we can derive that using a $100 deductible would cost the average driver about $22 more each month or $264 annually than requesting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 18 months between claim filings, you would most likely save money by going with a higher deductible.

Auto insurance rates by gender and age in Las Vegas

The diagram below illustrates the comparison of Chevrolet Equinox insurance premiums for male and female drivers. The data is based on no claims or driving citations, full physical damage coverage, $500 deductibles, single marital status, and no discounts are factored in.

Companies offer many types of discounts on Chevy Equinox insurance in Las Vegas

Auto insurance companies don't always advertise all their discounts very clearly, so the below list has a few of the more common as well as some of the hidden discounts that may be available.

Don't be shocked that some credits don't apply to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, you aren't that lucky.

A few popular companies and some of their more popular discounts are detailed below.

Double check with each insurance company how many discounts you can get. Some credits may not apply in your area. To see providers that provide some of the discounts listed above in Las Vegas, click here.

Will just any policy work for me?

When choosing adequate coverage for your vehicles, there is no one size fits all plan. Everyone's needs are different so your insurance needs to address that. For instance, these questions can help discover whether your personal situation would benefit from professional advice.

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier It's fast, free and can provide invaluable advice.

You may require the services of an insurance agent

A small number of people still like to have an agent's advice and that can be a great decision Insurance agents can help you build your policy and help you file claims. The best thing about comparing rates online is you can get cheaper rates and still choose a local agent.

Find insurance agent in Las VegasUpon completion of this short form, the quote information is emailed to insurance agents in Las Vegas who will return price quotes for your insurance coverage. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent to the email address you provide. If for some reason you want to get a comparison quote from a specific insurance provider, you just need to navigate to their website and fill out their quote form.

Deciding on an company is decision based upon more than just the bottom line cost. These are some questions you should get answers to.

If you want to buy insurance from a local insurance agency, it helps to know the two different types of agents and how they differ in how they quote coverages. Insurance agents can be classified as either independent or exclusive depending on the company they work for. Either can sell affordable insurance policies, but it is important to understand how they differ since it may influence your selection of an agent.

Exclusive Insurance Agencies

Exclusive agencies work for only one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agencies are highly trained on sales techniques which helps offset the inability to provide other markets. Some people will only choose to use a exclusive agent partially due to the prominent brand name and the convenience of having all coverages with one company.

Listed below is a short list of exclusive agencies in Las Vegas that are able to give price quotes.

More Las Vegas agents

Independent Agencies or Brokers

Independent agencies are appointed with more than one company and that enables them to quote your coverage with a variety of different insurance companies and get the cheapest rates. If premiums increase, they simply move your policy to a different company and you stay with the same agent. When comparing insurance rates, we highly recommend that you contact multiple independent agents in order to compare the most rates. They also have the ability to place coverage with less well-known companies which could offer lower prices.

Shown below is a short list of independent agencies in Las Vegas that are able to give price quote information.

More Las Vegas agents

Car insurance ads are enticing

Consumers constantly see and hear ads that claim the lowest prices from the likes of State Farm, Allstate and GEICO. They all seem to say the same thing about saving some big amount if you get a free Las Vegas car insurance quote and switch your car insurance coverage to their company.

How is it plausible that every one can save you money on Chevy Equinox insurance in Las Vegas? This is the trick they use.

Many companies can use profiling for the type of customer that will not have excessive claims. For example, a profitable risk profile could be married and over the age of 30, has few claims, and drives newer vehicles. A driver who fits that profile may get the lowest auto insurance rates in Las Vegas and will probably cut their Chevy Equinox insurance rates if they switch.

People who fall short of this stringent profile may be forced to pay a higher premium with the end result being business going elsewhere. If you listen to the ad wording, they say "drivers who switch" not "everyone that quotes" will save that much if they switch. That is how companies can make those statements. That is why you should compare price quotes frequently. You cannot predict the company that will give you the biggest savings.

Cover all your bases

When shopping online for auto insurance, it's not a good idea to buy poor coverage just to save money. In too many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. The goal is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Budget-friendly auto insurance in Las Vegas can be found both online and also from your neighborhood Las Vegas agents, so you need to shop Las Vegas car insurance with both to have the best rate selection. There are still a few companies who do not offer online rate quotes and these smaller companies sell through independent insurance agencies.

For more information, take a look at the resources below: