Compare Chevy Equinox Insurance Rate Quotes in New Orleans

Discount Chevy Equinox insuranceThe preferred way to get affordable auto insurance rates in New Orleans is to make a habit of regularly comparing prices from companies that insure vehicles in Louisiana. You can compare rates by following these steps.

First, gain an understanding of the different coverages in a policy and the modifications you can make to lower rates. Many rating factors that result in higher prices such as accidents, traffic tickets, and bad credit can be controlled by improving your driving habits or financial responsibility. Read the full article for ideas to get lower rates and get discounts that may be available to you.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agencies can give you price quotes from multiple sources.

Third, compare the quotes to your existing coverage to see if cheaper Equinox coverage is available. If you find a lower rate quote and change companies, make sure coverage is continuous and does not lapse.

Fourth, notify your company or agent to cancel the current policy and submit a completed application and payment for the new coverage. Once the paperwork is finalized, place your new proof of insurance paperwork somewhere easily accessible.

A good tip to remember is that you use identical deductibles and limits on each quote and and to get price quotes from every company you can. This helps ensure an apples-to-apples comparison and a complete price analysis.

We don’t have to point out that fact that car insurance companies don’t want their policyholders to compare prices. Drivers who get comparison quotes at least once a year will probably move their business because there are good odds of finding a policy with better rates. A recent survey discovered that consumers who regularly shopped around saved over $3,450 over four years compared to drivers who never shopped for cheaper rates.

If finding the most affordable auto insurance is why you’re here, then having a grasp of the best ways to find and compare auto insurance can help you be more efficient.

Locating the most cost-effective insurance policy in New Orleans can be made easier if you know where to look. If you are insured now, you will be able to reduce the price you pay using the concepts you’re about to learn. But Louisiana vehicle owners must learn the way insurance companies determine what you pay.

When comparing auto insurance rates, know that comparing all the rates in your area will improve the odds of getting a better price.

The providers in the list below are our best choices to provide price comparisons in Louisiana. If you want to find the best auto insurance in LA, it’s a good idea that you click on several of them to get a more complete price comparison.

Rates and statistics

The table displayed next outlines detailed analysis of insurance costs for Chevy Equinox models. Having a better understanding of how car insurance prices are calculated can help drivers make smart choices when buying a policy.

Chevrolet Equinox Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $224 $404 $436 $26 $130 $1,220 $102
Equinox LT 2WD $224 $404 $436 $26 $130 $1,220 $102
Equinox LS AWD $224 $404 $436 $26 $130 $1,220 $102
Equinox LT AWD $224 $404 $436 $26 $130 $1,220 $102
Equinox LTZ 2WD $254 $478 $436 $26 $130 $1,324 $110
Equinox LTZ AWD $254 $478 $436 $26 $130 $1,324 $110
Equinox LTZ AWD $254 $478 $436 $26 $130 $1,324 $110
Get Your Own Custom Quote Go

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in vehicle location which can raise or lower rates substantially.

Policy deductible comparison

One frequently asked question is the level to set your comp and collision deductibles. The following insurance rates illustrate how much more rates are when you buy lower versus higher physical damage coverage deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Chevrolet Equinox insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $400 $722 $464 $28 $140 $1,779 $148
Equinox LT 2WD $400 $722 $464 $28 $140 $1,779 $148
Equinox LS AWD $400 $722 $464 $28 $140 $1,779 $148
Equinox LT AWD $400 $722 $464 $28 $140 $1,779 $148
Equinox LTZ 2WD $452 $850 $464 $28 $140 $1,959 $163
Equinox LTZ AWD $452 $850 $464 $28 $140 $1,959 $163
Equinox LTZ AWD $452 $850 $464 $28 $140 $1,959 $163
Get Your Own Custom Quote Go

Chevrolet Equinox insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $222 $380 $464 $28 $140 $1,234 $103
Equinox LT 2WD $222 $380 $464 $28 $140 $1,234 $103
Equinox LS AWD $222 $380 $464 $28 $140 $1,234 $103
Equinox LT AWD $222 $380 $464 $28 $140 $1,234 $103
Equinox LTZ 2WD $250 $448 $464 $28 $140 $1,330 $111
Equinox LTZ AWD $250 $448 $464 $28 $140 $1,330 $111
Equinox LTZ AWD $250 $448 $464 $28 $140 $1,330 $111
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price information does not factor in zip code location which can impact coverage prices greatly.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $48 more each month or $576 for a full year across all Chevrolet Equinox models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 19 months between claims, you would probably save some money if you elect the higher deductible.

The diagram below shows how different deductible levels and can influence Chevy Equinox insurance premiums for different age groups. The price estimates are based on a married female driver, full coverage, and no discounts are applied.

Illustration showing the impact of accidents and violations

The illustration below demonstrates how citations and accident claims can influence Chevy Equinox annual premium costs for different age groups. The costs are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Do you need full coverage?

The information below compares Chevy Equinox insurance rates when comparing full coverage to liability only. The rate quotes are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There is no written rule of when to exclude physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Chevy Equinox book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after paying the physical damage deductible. If you are currently paying more than $200 annually for full coverage, then it could be time to drop full coverage.

There are some situations where removing full coverage is not in your best interest. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Insuring your vehicle just makes sense

Even though New Orleans Equinox insurance rates can get expensive, insuring your vehicle is a good idea for several reasons.

The benefits of having insurance are definitely more than the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver overpays as much as $700 annually so it’s important to compare rates each time the policy renews to help ensure money is not being wasted.

Insurance Premium Influencing Factors

The best way to find cheaper car insurance is to take a look at some of the things that help calculate the level of your policy premiums. If you have some idea of what influences your rates, this allows you to make educated decisions that could help you find lower premium levels. Many different elements are used when pricing auto insurance. Some factors are common sense such as your driving history, but some are less apparent like your continuous coverage or how financially stable you are.

Cheap New Orleans auto insurance rates with discounts

Auto insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that you may not even know about. Certain discounts will be triggered automatically at the time of purchase, but some must be asked for before being credited.Cheaper auto insurance with discounts

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think you can get free auto insurance, company stockholders wouldn’t be very happy.

The information below illustrates the comparison of Chevy Equinox auto insurance rates with and without discounts applied to the policy premium. The data is based on a male driver, no claims or driving violations, Louisiana state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, multi-car, and safe-driver discounts applied.

Large auto insurance companies and their possible discounts are included below.

Before you buy a policy, ask all companies you are considering which credits you are entitled to. Some credits may not be offered everywhere. To see insurers who offer free Chevy Equinox insurance quotes in Louisiana, follow this link.

You are unique and your auto insurance should be too

Always keep in mind that when comparing insurance from an agent or online for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Your financial needs are unique.Auto insurance savings

These are some specific questions may help you determine if your situation may require specific advice.

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form.

Exclusive and independent insurance agents

Some people still like to sit down and talk to an agent and doing so can bring peace of mind One of the great benefits of getting free rate quotes online is that drivers can save money and get lower premium rates and still buy from a local agent.

New Orleans insurance agentsFor easy comparison, once you complete this short form, your coverage information is submitted to companies in New Orleans who will gladly provide quotes for your auto insurance coverage. It makes it easy because there is no need to contact any insurance agencies because prices are sent to you directly. You’ll get the best rates and a licensed agent to work with. If you wish to get a price quote for a specific company, feel free to jump over to their website and complete a quote there.

Choosing the best insurance company requires you to look at more than just the quoted price. Here are some questions you might want to ask.

New Orleans auto insurance agents are either independent or exclusive

When searching for a reliable insurance agent, you need to know there are two different types of agents and how they can service your needs differently. Agents in New Orleans can either be exclusive or independent (non-exclusive).

Exclusive Agents

Agents that choose to be exclusive are contracted to one company and examples are State Farm, Allstate and AAA. Exclusive agencies are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents are well trained on their company’s products which helps them compete with independent agents.

Shown below is a short list of exclusive agencies in New Orleans willing to provide rate quotes.

3536 Holiday Dr aNew Orleans, LA 70114(504) 367-6660View Map

6262 Pontchartrain BlvdNew Orleans, LA 70124(504) 486-7525View Map

Place St. Charles, 201 St Charles Ave #224New Orleans, LA 70170(504) 522-9560View Map

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Independent Insurance Agents

Agents that elect to be independent do not sell for just one brand and that allows them to write policies with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.

When comparing rate quotes, we recommend you include price quotes from several independent insurance agents in order to have the best price comparison.

Listed below is a short list of independent insurance agents in New Orleans that are able to give rate quotes.

2750 Lake Villa Dr #305Metairie, LA 70002(877) 969-3026View Map

Nola Insurance Agency
2646 Banks StNew Orleans, LA 70119(504) 822-8770View Map

101 W Robert E Lee Blvd #405New Orleans, LA 70124(504) 535-7755View Map

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Car insurance savings summarized

Cost effective Chevy Equinox insurance can be sourced from both online companies in addition to many New Orleans insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not offer price quotes online and these smaller providers work with independent insurance agencies.

Consumers change insurance companies for a variety of reasons including questionable increases in premium, delays in paying claims, policy non-renewal or even being labeled a high risk driver. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

We just showed you a lot of tips how to reduce Chevy Equinox insurance auto insurance rates online in New Orleans. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best auto insurance rates are with the smaller companies.

Much more information about car insurance in Louisiana is located at the links below