Do you want an efficient way to compare more competitive insurance rates in Reno, NV? Reno consumers have options when looking for the lowest priced Chevy Equinox insurance. They can either waste time calling around trying to get quotes or leverage the internet to get rate quotes.
There is a better way to buy insurance so you're going to learn the proper way to compare rates for a Chevy and get the best price possible from Reno insurance agents and online providers.
The purpose of this article is to instruct you on the best way to quote coverages and how to save the most money. If you already have coverage, you will most likely be able to get lower rates using the concepts covered in this article. Vehicle owners just have to learn the quickest method to buy car insurance instantly.
Auto insurance providers offering low-cost rates in Nevada
The following companies are our best choices to provide free rate quotes in Nevada. If multiple companies are listed, we suggest you visit several of them in order to find the most affordable rates.
|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||$258||$470||$314||$18||$94||$1,154||$96|
|Equinox LT AWD||$142||$286||$400||$24||$120||$972||$81|
|Equinox LTZ 2WD||$306||$472||$404||$24||$120||$1,326||$111|
|Equinox LTZ AWD||$198||$350||$318||$18||$96||$980||$82|
|Equinox LTZ AWD||$168||$316||$290||$18||$86||$878||$73|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Information does not factor in vehicle garaging location which can lower or raise rates noticeably.
Full coverage rates vs. liability-only
The illustration below visualizes the comparison of Chevrolet Equinox yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Nevada. The premiums are based on no claims or driving violations, $100 deductibles, married male driver, and no discounts are applied.
When to drop comprehensive and collision coverage
There is no clear-cut formula of when to eliminate physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let's pretend your Chevrolet Equinox settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying the physical damage deductible. If you are paying over $200 a year for physical damage coverage, then it may be the right time to buy liability only.
There are some conditions where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Drive responsibly or pay higher rates
The information below shows how traffic citations and at-fault fender-benders can raise Chevrolet Equinox auto insurance costs for different ages of insureds. The premium estimates are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.
Companies offer money-saving discounts on Chevy Equinox insurance in Reno
Companies don't necessarily list all possible discounts very well, so here is a list a few of the more common as well as the least known discounts that may be available.
- Payment Discounts - By paying your entire bill at once instead of paying each month you could save 5% or more.
- Online Discount - Some companies will give you a small discount for buying a policy and signing up on the internet.
- Drive Less and Save - Fewer annual miles on your Chevy can qualify you for cheaper premium rates.
- Accident-Free Discounts - Claim-free drivers are rewarded with significantly better rates on Reno car insurance quote when compared to bad drivers.
- Policy Bundle Discount - If you can bundle your homeowners and auto insurance and place coverage with the same company you will save 10% to 20% off each policy.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, companies don't profit that way.
The best car insurance companies and some of the premium reductions they offer are included below.
- AAA includes discounts for anti-theft, multi-car, education and occupation, pay-in-full, and multi-policy.
- Progressive may include discounts for homeowner, continuous coverage, multi-vehicle, online signing, online quote discount, multi-policy, and good student.
- State Farm offers premium reductions for multiple policy, passive restraint, Steer Clear safe driver discount, defensive driving training, and safe vehicle.
- Esurance may have discounts that include Switch & Save, paid-in-full, DriveSense, online quote, good student, and safety device.
- Nationwide has savings for family plan, Farm Bureau membership, business or organization, anti-theft, multi-policy, and defensive driving.
If you want low cost Reno car insurance quotes, ask every company which discounts you may be entitled to. Discounts may not apply in your area. To see insurance companies that offer multiple discounts in Reno, click here.
Local Reno auto insurance agents
Certain consumers just want to get advice from a local agent and that is OK! Professional agents will help you protect your assets and help file insurance claims. A good thing about comparing rates online is the fact that you can find the best rates and also buy local. And buying from local agents is important especially in Reno.
After filling out this quick form, the quote information is transmitted to companies in Reno who will return price quotes to get your business. You never need to even leave your home due to the fact that quote results will go directly to you. If you need to get a price quote from one company in particular, feel free to search and find their rate quote page and give them your coverage information.
The following is a short list of auto insurance companies in Reno that may be willing to give rate quotes for Chevy Equinox insurance in Reno.
- State Farm: Scott Eastman
2875 Northtowne Ln H - Reno, NV 89512 - (775) 284-0852 - View Map
- Northern Insurance Agency
402 Crampton St - Reno, NV 89502 - (775) 324-4466 - View Map
- Mark Geil - State Farm Insurance Agent
255 W Moana Ln #106 - Reno, NV 89509 - (775) 826-9200 - View Map
- Shane McCartin Agency - Farmers Insurance
9640 S McCarran Blvd #200 - Reno, NV 89523 - (775) 298-4040 - View Map
Choosing the best insurer needs to be determined by more than just a cheap quote. Here are some questions you might want to ask.
- Do they regularly work with personal auto policies in Reno?
- Is every driver in your family covered?
- Will high miles depreciate repair valuations?
- Do they assist clients in filing claims?
- Can glass repairs be made at your home?
- What are their preferred companies if they are an independent agency?
Auto insurance coverages explained
Understanding the coverages of your auto insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Comprehensive or Other Than Collision - Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like rock chips in glass, damage from getting keyed, theft and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.
UM/UIM Coverage - This coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Equinox.
Because many people only carry the minimum required liability limits (15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these limits are set the same as your liability limits.
Medical costs insurance - Med pay and PIP coverage reimburse you for immediate expenses like X-ray expenses, rehabilitation expenses, EMT expenses and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Auto liability insurance - This coverage can cover damage or injury you incur to other's property or people. It protects YOU from claims by other people, and doesn't cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 15/30/10 that translate to $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers claims like emergency aid, structural damage, court costs, legal defense fees and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford. Nevada requires drivers to carry at least 15/30/10 but drivers should carry more coverage.
Collision - Collision insurance will pay to fix damage to your Equinox resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like rolling your car, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible on your Equinox to save money on collision insurance.
Compare auto insurance prices regularly to save
Low-cost Chevy Equinox insurance in Reno is definitely available on the web as well as from insurance agents, so you need to shop Reno car insurance with both to have the best selection. Some auto insurance companies may not offer price quotes online and usually these regional carriers only sell coverage through local independent agencies.
You just read many ways to save on Chevy Equinox insurance in Reno. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may even discover the best prices are with the least-expected company.
Insureds change insurance companies for a variety of reasons including poor customer service, unfair underwriting practices, high rates after DUI convictions or even policy non-renewal. No matter why you want to switch, finding the right auto insurance provider is actually quite simple.
Even more information can be found at these sites:
- Understanding your Policy (NAIC.org)
- What Car Insurance is Cheapest for Drivers with a Bad Driving Record in Nevada? (FAQ)
- Who Has Affordable Nevada Auto Insurance for Good Students? (FAQ)
- Who Has Affordable Nevada Car Insurance Rates for a Ford F-150? (FAQ)
- What is the Best Cheap Car Insurance in Elko, Nevada? (FAQ)
- Who Has Cheap Auto Insurance Quotes After a Speeding Ticket in Nevada? (FAQ)
- What is the Cheapest Auto Insurance in Spring Valley, NV? (FAQ)
- Auto Insurance 101 (About.com)
- Credit Impacts Car Insurance Rates (State Farm)
- Electronic Stability Control FAQ (iihs.org)
- Distracted Driving Extends Beyond Texting (State Farm)