Insurance rates Chevy Equinox in DallasHow long has it been since you compared more competitive Chevy Equinox insurance in Dallas? Having to pay for high-priced Chevrolet Equinox insurance in Dallas can take a big chunk out of your personal savings and require stricter spending habits.

Astonishing but true, almost 70% of drivers in Texas have bought insurance from the same company for more than four years, and nearly 40% of drivers have never compared rates from other carriers. The average driver in the U.S. could pocket approximately 46.5% a year just by shopping around, but they mistakenly think it's difficult to compare rates and save money.

Companies like Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with advertising and it is difficult to see past the corporate glitz and take the time to shop coverage around.

It's a great practice to take a look at other company's rates yearly due to the fact that insurance prices change regularly. Even if you got the best quotes on Chevy Equinox insurance in Dallas six months ago a different company probably has better rates today. You can find a lot of wrong information about Equinox insurance online, but I'm going to show you some proven techniques to lower your insurance rates in Dallas.

If you have a policy now, you will be able to cut your premiums using the techniques covered below. Buying the cheapest auto insurance in Dallas is quite easy. But Texas vehicle owners must learn the way companies price insurance differently.

Cheapest Chevy insurance rate quotes in Dallas

The following companies provide price comparisons in Texas. To buy the best cheap car insurance in Texas, we recommend you click on several of them in order to get a fair rate comparison.

Chevrolet Equinox Insurance Price Estimates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $206 $392 $430 $26 $128 $1,182 $99
Equinox LT 2WD $318 $580 $388 $24 $116 $1,426 $119
Equinox LS AWD $234 $460 $462 $28 $138 $1,322 $110
Equinox LT AWD $282 $560 $496 $30 $148 $1,516 $126
Equinox LTZ 2WD $356 $788 $496 $30 $148 $1,818 $152
Equinox LTZ AWD $288 $594 $366 $22 $110 $1,380 $115
Equinox LTZ AWD $234 $368 $500 $30 $150 $1,282 $107
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in specific zip code location which can modify coverage prices greatly.

Deductible analysis

One common question asked by Dallas drivers is how low should you set your deductibles. The rates below may help you to understand how much more rates are between high and low coverage deductibles. The first data table uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Chevrolet Equinox insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $328 $592 $382 $22 $114 $1,463 $122
Equinox LT 2WD $328 $592 $382 $22 $114 $1,463 $122
Equinox LS AWD $328 $592 $382 $22 $114 $1,463 $122
Equinox LT AWD $328 $592 $382 $22 $114 $1,463 $122
Equinox LTZ 2WD $370 $698 $382 $22 $114 $1,611 $134
Equinox LTZ AWD $370 $698 $382 $22 $114 $1,611 $134
Equinox LTZ AWD $370 $698 $382 $22 $114 $1,611 $134
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Chevrolet Equinox insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $240 $400 $382 $22 $114 $1,158 $97
Equinox LT 2WD $240 $400 $382 $22 $114 $1,158 $97
Equinox LS AWD $240 $400 $382 $22 $114 $1,158 $97
Equinox LT AWD $240 $400 $382 $22 $114 $1,158 $97
Equinox LTZ 2WD $270 $472 $382 $22 $114 $1,260 $105
Equinox LTZ AWD $270 $472 $382 $22 $114 $1,260 $105
Equinox LTZ AWD $270 $472 $382 $22 $114 $1,260 $105
Get Your Own Custom Quote Go

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

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $27 more each month or $324 for a full year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 15 months between claim filings, you would probably be better off if you decide on a higher deductible.

Chevrolet Equinox insurance premiums by gender

The information below illustrates the comparison of Chevrolet Equinox annual premium costs for male and female drivers. The price estimates are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no other discounts are factored in.

Difference between full coverage and liability only rates

The information below examines Chevrolet Equinox yearly insurance costs with liability coverage only compared to full coverage. The price estimates are based on no accidents, no driving violations, $500 deductibles, single female driver, and no discounts are applied.

When to eliminate full coverage

There is no written rule of when to drop full coverage, but there is a general convention. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Chevrolet Equinox book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying the physical damage deductible. If premiums are more than $600 annually for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are some situations where removing full coverage is not in your best interest. If you haven't paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Auto insurance policy discounts you can't miss

Some insurance providers don't list every discount in an easy-to-find place, so below is a list some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy Dallas car insurance online.

As a footnote on discounts, some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you could get a free auto insurance policy, company stockholders wouldn't be very happy.

Car insurance companies that may offer policyholders most of these discounts include:

Before purchasing a policy, check with all the companies to apply every possible discount. Some of the discounts discussed earlier might not be available to policyholders in Dallas. If you would like to view insurers that offer multiple discounts in Texas, follow this link.

Independent and exclusive auto insurance agents

Many drivers still like to visit with an insurance agent. One of the great benefits of getting free rate quotes online is you can get better rates and still choose a local agent.

Once you complete this simple form, your coverage information gets sent to agents in your area who will give you bids to get your business. It simplifies rate comparisons since you won't have to find an agent due to the fact that quote results will go to you directly. You can find the lowest rates without requiring a lot of work. If you need to compare rates from a specific car insurance provider, feel free to go to their quote page to submit a rate quote request.

Finding the right provider shouldn't rely on just a low price. The answers to these questions are important, too.

If you are wanting to find a good Dallas insurance agent, it can be helpful to understand the types of agencies and how they can quote your rates. Agents can be classified as either exclusive or independent agents depending on their company appointments.

Exclusive Car Insurance Agencies

Exclusive agencies can only provide pricing for a single company such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive insurance agents are highly trained on sales techniques which helps them sell insurance even at higher premiums.

Listed below is a list of exclusive agents in Dallas willing to provide comparison quotes.

2702 McKinney Ave #203 - Dallas, TX 75204 - (214) 740-1800 - View Map

12640 E Northwest Hwy, Ste 408 - Dallas, TX 75228 - (972) 681-6128 - View Map

5232 Forest Ln #111 - Dallas, TX 75244 - (214) 987-1995 - View Map

More insurance agents

Independent Car Insurance Agencies

Independent agencies do not sell for just one brand so they can write business through lots of different companies and find the cheapest rate. If your agent finds better pricing, your agent can just switch to a different company and you won't have to switch agencies.

When comparing car insurance prices, you absolutely need to include at least one independent agent so that you can do a thorough price comparison.

Shown below is a short list of independent insurance agencies in Dallas willing to provide price quote information.

9304 Forest Ln #217 - Dallas, TX 75243 - (972) 931-9285 - View Map

5401 N Central Expy Suite 200 - Dallas, TX 75205 - (866) 384-8579 - View Map

3021 Lombardy Ln #101 - Dallas, TX 75220 - (469) 341-7831 - View Map

More insurance agents

After receiving positive responses to any questions you have as well as a price you're happy with, chances are good that you have found a car insurance agent that is a good match to insure your vehicles. It's important to know that you are able to terminate coverage when you choose so don't assume you are locked into any specific company with no way to switch.

But the ad said I'd save 15% in 15 minutes!

Companies like Allstate, GEICO and Progressive endlessly run ads in print and on television. All the ads make the point about savings after switching your auto insurance coverage to their company. Is it even possible that every company can make almost identical claims? It's all in the words they use.

Auto insurance companies have a preferred profile for the type of driver that will add to their bottom line. An example of a driver they prefer may be over the age of 50, carries full coverage, and chooses high deductibles. Anybody who matches those parameters will most likely get cheap prices and will also save when switching.

Potential insureds who don't qualify for the "perfect" profile will be charged higher premiums which results in the customer buying from a different company. If you listen closely, the ads state "customers who switch" but not "all drivers who get quotes" save the amount stated. That's why insurance companies can claim big savings. Because every company is different, you really should do a quote comparison often. It's just too difficult to predict which auto insurance company will have the best Chevy Equinox insurance in Dallas.

Car insurance coverage information

Understanding the coverages of car insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverage types available from car insurance companies.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from getting keyed, hail damage and falling objects. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Auto liability

Liability insurance can cover damage that occurs to people or other property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 30/60/25 that means you have $30,000 in coverage for each person's injuries, a limit of $60,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like emergency aid, bail bonds, medical expenses and structural damage. How much liability coverage do you need? That is a personal decision, but it's cheap coverage so purchase as large an amount as possible. Texas state law requires minimum liability limits of 30/60/25 but you should consider buying more coverage.

Coverage for collisions

This coverage will pay to fix damage to your Equinox resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, crashing into a ditch, sideswiping another vehicle, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Equinox to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses such as rehabilitation expenses, hospital visits, EMT expenses and X-ray expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Chevy Equinox.

Due to the fact that many Texas drivers have only the minimum liability required by law (30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Shop smart and save

Affordable Chevy Equinox insurance in Dallas can be sourced online in addition to many Dallas insurance agents, so get free Dallas car insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers may not have the ability to get quotes online and many times these smaller companies only sell through independent agents.

When getting Dallas car insurance quotes online, you should never buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

Much more information about car insurance in Texas can be found at these links: