Insurance quote for Chevy Equinox in TucsonHow many years has it been since you compared low-cost car insurance rates in Tucson, AZ? Tucson shoppers have options when shopping for affordable Chevy Equinox insurance. You can either waste hours calling around getting price quotes or leverage the internet to get rate quotes. There are both good and bad ways to compare car insurance rates and we'll show you the proper way to price shop coverage for a Chevy and get the cheapest rates either online or from Tucson insurance agents.

Unbelievable but true, over 70% of Arizona drivers kept their coverage with the same car insurance company for over three years, and 38% of drivers have never quoted rates to find affordable coverage. U.S. drivers could save $859 a year by just comparing quotes, but most undervalue how much money they would save if they swap their current policy for a cheaper one.

Choosing the best rates in Tucson is not that difficult. If you are insured now, you will surely be able to shop for the lowest rates using the ideas you're about to read. Comparison shoppers just have to know the most efficient way to compare price quotes online from multiple companies.

All the larger car insurance companies such as State Farm, Allstate and GEICO allow consumers to get prices for coverage on the web. Getting online rates for Chevy Equinox insurance in Tucson doesn't take a lot of time as you just type in your required coverages as requested by the quote form. After you complete the form, the company's rating system pulls information on your driving record and credit history and provides a quote based on the information you submitted.

The ability to get online price quotes for Chevy Equinox insurance in Tucson helps simplify price comparisons, and it's also necessary to do this if you are searching for the cheapest car insurance rates.

To save time and compare rates now, compare rates from the companies below. If you have a policy now, it's recommended you replicate the insurance coverages as close as possible to your current policy. This helps ensure you will have a rate comparison for similar insurance coverage.

The companies shown below can provide free rate quotes in Arizona. If you want to find the best auto insurance in Arizona, it's highly recommended you visit several of them to get a more complete price comparison.

Chevrolet Equinox Insurance Cost Estimates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $222 $456 $338 $20 $102 $1,138 $95
Equinox LT 2WD $210 $388 $404 $24 $122 $1,148 $96
Equinox LS AWD $200 $402 $338 $20 $102 $1,062 $89
Equinox LT AWD $222 $480 $338 $20 $102 $1,162 $97
Equinox LTZ 2WD $206 $364 $306 $18 $92 $986 $82
Equinox LTZ AWD $250 $520 $390 $24 $116 $1,300 $108
Equinox LTZ AWD $228 $466 $288 $18 $86 $1,086 $91
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can impact prices significantly.

Where to set your deductibles

A question often asked by Tucson drivers is how low should you set your deductibles. The rates shown below highlight how much more you'll pay when you select higher and lower insurance deductibles. The first rate quote example uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Chevrolet Equinox insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $232 $390 $300 $18 $90 $1,055 $88
Equinox LT 2WD $232 $390 $300 $18 $90 $1,055 $88
Equinox LS AWD $232 $390 $300 $18 $90 $1,055 $88
Equinox LT AWD $232 $390 $300 $18 $90 $1,055 $88
Equinox LTZ 2WD $262 $460 $300 $18 $90 $1,155 $96
Equinox LTZ AWD $262 $460 $300 $18 $90 $1,155 $96
Equinox LTZ AWD $262 $460 $300 $18 $90 $1,155 $96
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Chevrolet Equinox insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $144 $246 $300 $18 $90 $798 $67
Equinox LT 2WD $144 $246 $300 $18 $90 $798 $67
Equinox LS AWD $144 $246 $300 $18 $90 $798 $67
Equinox LT AWD $144 $246 $300 $18 $90 $798 $67
Equinox LTZ 2WD $162 $290 $300 $18 $90 $860 $72
Equinox LTZ AWD $162 $290 $300 $18 $90 $860 $72
Equinox LTZ AWD $162 $290 $300 $18 $90 $860 $72
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Information does not factor in specific zip code location which can decrease or increase auto insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $22 more each month or $264 a year than choosing the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 34 months between claims, you would come out ahead by going with a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $91
Average monthly premium for $1,000 deductibles (subtract): - $69
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

An important thing to remember is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have a claim. You will want to have enough extra savings in the event you have to pay the deductible for vehicle repair.

Does full coverage make sense?

The information below illustrates the comparison of Chevrolet Equinox insurance premiums with full coverage compared to only the Arizona minimum liability coverage. Data assumes no accidents or driving violations, $100 deductibles, single male driver, and no discounts are factored in.

Should you be buying full coverage?

There is no set guideline for dropping full coverage, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let's say your Chevrolet Equinox settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after you pay the deductible. If it's costing you more than $600 annually to have full coverage, then it may be the right time to buy liability only.

There are a few situations where buying only liability insurance is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Take policy discounts and save on Chevy Equinox insurance in Tucson

Insurance can cost an arm and a leg, but you may find discounts to help bring down the price. A few discounts will be applied when you purchase, but once in a while a discount must be inquired about before being credited.Save money with discounts

Just know that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like it's possible to get free car insurance, it doesn't quite work that way.

The best insurance companies and a partial list of their discounts are included below.

If you are trying to find affordable Chevrolet Equinox insurance quotes, ask each company which discounts they offer. Some discounts might not be available to policyholders in Tucson.

Compare rate quotes but buy from a local neighborhood Tucson car insurance agent

Many people would rather get advice from a local agent and doing so can bring peace of mind Professional insurance agents are highly skilled in risk management and give you someone to call. The best thing about comparing rates online is that drivers can save money and get cheaper rates but also keep your business local.

Insurance agency in TucsonTo find an agent, once you fill out this form (opens in new window), your insurance data is instantly submitted to local insurance agents in Tucson who can give free rate quotes and help you find cheaper coverage. You won't even need to visit any agencies because quoted prices will be sent to you instantly. If you need to get a comparison quote from a specific car insurance provider, you just need to visit that company's website to submit a rate quote request.

Deciding on an insurer requires you to look at more than just a cheap price quote. Get answers to these questions too.

Different types of Tucson car insurance agents

If you want to buy car insurance from a good Tucson insurance agent, you should know the types of insurance agents that differ in how they can insure your vehicles. Agents in Tucson can be classified as either exclusive or independent. Either type can sell affordable car insurance policies, but it's important to point out the subtle differences since it could factor into the type of agent you choose.

Exclusive Car Insurance Agents

Agents that choose to be exclusive work for only one company like State Farm or Allstate. These agents are not able to compare rates from other companies so they are skilled at selling on more than just price. They are well schooled on their company's products which helps them sell insurance even at higher premiums. Consumers often choose to use a exclusive agent partially due to the prominent brand name and solid financial strength.

The following are Tucson exclusive insurance agencies who can help you get rate quotes.

View more Tucson agents

Independent Car Insurance Agencies

Independent agents often have affiliation with several companies and that allows them to write policies with lots of companies and help determine which has the cheapest rates. If prices rise, they can switch companies in-house which requires no work on your part. If you are comparing car insurance prices, it's a good idea to include several independent insurance agents to maximize your price options. Most independent agents also contract with less well-known companies that may have much lower rates than larger companies.

Listed below is a short list of independent agents in Tucson willing to provide comparison quotes.

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Smart Buyers Know How to Buy Insurance for Less

Lots of things are part of the equation when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but others are not as apparent such as your credit history or how safe your car is.

Insuring your Chevy vehicle just makes sense

Even though it's not necessarily cheap to insure a Chevy in Tucson, car insurance serves a purpose in several ways.

First, almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your car, most banks will stipulate that you have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Chevy at a much higher rate and require you to pay a much higher amount than you were paying before.

Third, car insurance preserves your Chevy and your assets. Insurance will also pay for medical bills for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay to defend you if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance definitely exceed the price paid, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver overpays more than $800 each year so you should quote and compare rates at every policy renewal to make sure the price is not too high.

Don't give up on affordable rates

Lower-priced car insurance in Tucson can be bought both online and from local agencies, so you need to quote Tucson auto insurance with both to have the best rate selection. Some insurance providers do not offer the ability to get a quote online and most of the time these smaller companies only sell through independent insurance agencies.

Consumers who switch companies do it for many reasons like lack of trust in their agent, being labeled a high risk driver, high rates after DUI convictions and questionable increases in premium. It doesn't matter what your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, it's not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice liability limits or collision coverage and discovered at claim time that it was a big mistake. The ultimate goal is to buy enough coverage for the lowest cost, but don't skip important coverages to save money.

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