There isn't anyone who looks forward to buying car insurance, especially when they are aware that the cost is too high.

Insurance for Chevy EquinoxSad but true, a large majority of consumers have purchased from the same company for a minimum of four years, and 38% of customers have never even compared quotes to find cheaper rates. With the average premium in California being $1,400, drivers could pocket about $470 a year just by getting comparison quotes, but they assume it's a waste of time to find cheaper insurance by shopping around.

Insurance companies such as State Farm and GEICO continually bombard you with ads and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

You should make it a habit to check car insurance prices quite often due to the fact that insurance prices go up and down regularly. If you had the best price on Chevy Equinox insurance in San Jose a few years ago other companies may now be cheaper. Forget all the misinformation about car insurance because you're going to get a crash course in how to use online quotes to remove unneeded coverages and save money.

All major auto insurance companies allow consumers to get coverage price quotes direct online. Doing online quotes for Chevy Equinox insurance in San Jose doesn't take much effort as you just enter your personal and coverage information into the form. When the form is submitted, their rating system automatically orders information on your driving record and credit history and generates a price determined by many factors. This helps simplify price comparisons, and it is important to get many rate quotes if you are searching for the best possible rates on auto insurance.

To save time and compare rates now, compare quotes from the companies shown below. If you have coverage now, it's recommended you input your coverages just like they are on your policy. This guarantees you will get a fair comparison for similar insurance coverage.

The companies shown below offer free quotes in San Jose, CA. If multiple companies are listed, it's highly recommended you visit two to three different companies to get the lowest price.

Chevrolet Equinox Insurance Cost Estimates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $316 $464 $578 $34 $174 $1,566 $131
Equinox LT 2WD $182 $354 $500 $30 $150 $1,216 $101
Equinox LS AWD $294 $592 $500 $30 $150 $1,566 $131
Equinox LT AWD $182 $354 $500 $30 $150 $1,216 $101
Equinox LTZ 2WD $228 $482 $574 $34 $172 $1,490 $124
Equinox LTZ AWD $244 $464 $424 $26 $126 $1,284 $107
Equinox LTZ AWD $300 $576 $424 $26 $126 $1,452 $121
Get Your Own Custom Quote Go

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Table data does not factor in your specific San Jose location which can alter premiums substantially.

Higher deductibles lower rates

A question often asked by San Jose drivers is how high should your deductibles be. The following tables may help you to understand the cost difference when you choose different deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Chevrolet Equinox insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $342 $576 $442 $26 $132 $1,543 $129
Equinox LT 2WD $342 $576 $442 $26 $132 $1,543 $129
Equinox LS AWD $342 $576 $442 $26 $132 $1,543 $129
Equinox LT AWD $342 $576 $442 $26 $132 $1,543 $129
Equinox LTZ 2WD $386 $678 $442 $26 $132 $1,689 $141
Equinox LTZ AWD $386 $678 $442 $26 $132 $1,689 $141
Equinox LTZ AWD $386 $678 $442 $26 $132 $1,689 $141
Get Your Own Custom Quote Go
Chevrolet Equinox insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $278 $464 $442 $26 $132 $1,342 $112
Equinox LT 2WD $278 $464 $442 $26 $132 $1,342 $112
Equinox LS AWD $278 $464 $442 $26 $132 $1,342 $112
Equinox LT AWD $278 $464 $442 $26 $132 $1,342 $112
Equinox LTZ 2WD $314 $546 $442 $26 $132 $1,460 $122
Equinox LTZ AWD $314 $546 $442 $26 $132 $1,460 $122
Equinox LTZ AWD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in zip code location which can influence coverage rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $18 more each month or $216 for a full year than choosing the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 14 months between claim filings, you would most likely save money if you choose the higher deductible.

Cautious San Jose drivers save money

The chart below highlights how traffic violations and fender-benders can increase Chevrolet Equinox insurance premiums for each different age group. The premiums are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

Insurance is not optional but you don't have to overpay

Despite the potentially high cost of Chevy Equinox insurance, insurance is not optional due to several reasons.

First, just about all states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your car, it's most likely the lender will stipulate that you buy full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may buy a policy for your Chevy for a lot more money and require you to pay the higher premium.

Third, insurance protects not only your vehicle but also your financial assets. It will also cover medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance are definitely more than the cost, specifically if you ever have a liability claim. Today the average American driver is overpaying more than $855 a year so it's very important to do a rate comparison at least once a year to ensure rates are inline.

Four factors that determine insurance premiums

When buying car insurance it's important to understand the factors that help calculate your premiums. When consumers understand what determines base rates, this helps enable you to make changes that will entitle you to lower premium levels. Multiple criteria are taken into consideration when pricing auto insurance. Some factors are common sense such as your driving history, but others are less obvious like your continuous coverage or your commute time.

Always keep your policy in force - Driving your car without having proper coverage is a misdemeanor and companies may charge more for letting your coverage have a gap. Not only will rates go up, not being able to provide proof of insurance could earn you fines or a revoked license. You may then have to prove you have insurance by filing a SR-22 with the California motor vehicle department.

Add-on coverages can waste money - There are many additional extra coverages that sound like a good idea at the time if you don't pay attention. Add-on coverages like personal injury protection, accidental death, and extra life insurance coverage are examples of these. They may seem like a good idea when you first buy your policy, but now you might not need them so get rid of them and save.

Minor frequent policy claims are not good - Insurance companies in California provide the lowest premiums to people who do not rely on their insurance for small claims. If you're an insured who likes to file claims you can definitely plan on either higher rates or even cancellation. Your car insurance is intended to be relied upon for claims that pose a financial burden.

Big cities mean more claims - Choosing to live in small towns and rural areas is a positive aspect when talking about car insurance. Fewer people translates into fewer accidents and a lower car theft rate. Urban drivers tend to have more auto accidents and a longer drive to work. Spending more time driving can result in more accidents.

Insurance loss data for a Chevy Equinox - Insurers use data from past claims when setting premium rates. Models that are shown to have higher loss trends will cost more for specific coverages.

The table below outlines the insurance loss data used by companies for Chevy Equinox vehicles. For each insurance policy coverage type, the claim amount for all vehicles, as an average, is a value of 100. Numbers that are below 100 represent a good loss history, while values that are above 100 show a trend for more claims or an increased probability of a larger loss.

Chevrolet Equinox Insurance Loss Statistics

Specific Chevrolet 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

Car insurance discounts are available for cheaper rates

Companies don't always publicize the complete list of policy discounts very clearly, so the list below details some of the best known and the more hidden savings tricks you should be using when you buy San Jose auto insurance online.Discount car insurance

Please keep in mind that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears all those discounts means the company will pay you, you won't be that lucky.

Larger car insurance companies and a selection of discounts are outlined below.

If you need inexpensive San Jose auto insurance quotes, ask every company which discounts can lower your rates. A few discounts may not apply to policyholders in your area. To see providers that offer discounts in California, click here to view.

How to know if you need help

When buying adequate coverage, there is no cookie cutter policy. Every situation is different.Higher deductibles save money

These are some specific questions can help discover if your insurance needs may require specific advice.

If you're not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Do I need a local insurance agent?

Some people just prefer to buy from a licensed agent and that is recommended in a lot of cases An additional benefit of comparing rate quotes online is the fact that you can find cheaper rates and still have a local agent.

To find an agent, once you fill out this simple form, the coverage information is immediately sent to companies in San Jose who will give competitive quotes for your insurance coverage. You never need to contact any insurance agencies since rate quotes are delivered directly to you. You can get cheaper insurance rates AND a local agent. If you need to quote rates for a specific company, you can always search and find their rate quote page and give them your coverage information.

Deciding on an insurer should depend on more than just the quoted price. Below are some questions you should ask.

If you want a local San Jose insurance agent, there are a couple of types of agencies and how they function. Insurance agencies in San Jose are considered either independent or exclusive.

Exclusive Agents

Exclusive insurance agents generally can only insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. They are trained well on sales techniques and that allows them to sell at a higher price point.

Listed below are exclusive agents in San Jose that are able to give rate quotes.

478 E Santa Clara St #216 - San Jose, CA 95112 - (408) 293-7250 - View Map

5589 Winfield Blvd #210 - San Jose, CA 95123 - (408) 268-8600 - View Map

301 N Jackson Ave #12 - San Jose, CA 95133 - (408) 259-8826 - View Map

More insurance agents

Independent Insurance Agents

Independent insurance agents do not work for one specific company and that gives them the ability to insure with lots of companies and help determine which has the cheapest rates. If your agent finds better pricing, the business is moved internally which makes it simple for you.

If you need cheaper insurance rates, you definitely need to contact multiple independent agents to have the most options to choose from.

The following are San Jose independent agents willing to provide comparison quotes.

LNA Insurance Agency Inc
999 Story Rd - San Jose, CA 95122 - (408) 280-5815 - View Map

1777 Hamilton Ave - San Jose, CA 95125 - (408) 979-8160 - View Map

4010 Moorpark Ave #117 - San Jose, CA 95117 - (408) 604-0092 - View Map

More insurance agents

You can lower your insurance rates

When searching for affordable San Jose auto insurance quotes, do not skimp on critical coverages to save a buck or two. In many cases, drivers have reduced liability coverage limits only to find out that the savings was not a smart move. Your goal is to buy enough coverage for the lowest cost, but do not skimp to save money.

People who switch companies do it for any number of reasons including high rates after DUI convictions, denial of a claim, unfair underwriting practices or even being labeled a high risk driver. Whatever your reason, finding the right insurance provider is actually quite simple.

There are still a few companies who do not offer internet price quotes and usually these regional insurance providers prefer to sell through local independent agencies. Cheap Chevy Equinox insurance in San Jose can be purchased both online in addition to many San Jose insurance agents, so you need to compare both in order to have the best chance of saving money.

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