Finding cheap car insurance for a Chevrolet Equinox in Arizona doesn’t take a ton of time, but it is dependent upon a whole bunch of factors such as how many miles you drive each year, your claims history, and the level of deductible you choose. Arizona drivers pay on average $715 a year to insure their Equinox, but that is an estimation based upon a 50-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.
Odds are that you are not 50 and maybe not even a female, single instead of married, or you just want cheap liability insurance instead of full coverage. Just a slight change in policy rating criteria or coverages can result in a big discrepancy in policy price.
This demonstrates why the best method for finding the most affordable coverage for your Chevrolet is to compare as many rates as you can.
The trim level of your Chevrolet has an effect on the cost of coverage, so the price to insure a Equinox LS 2WD model will be $64 less than the cost to insure the higher-priced Equinox LTZ AWD version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equinox LS 2WD||$146||$262||$282||$16||$84||$790||$66|
|Equinox LT 2WD||$146||$262||$282||$16||$84||$790||$66|
|Equinox LS AWD||$146||$262||$282||$16||$84||$790||$66|
|Equinox LT AWD||$146||$262||$282||$16||$84||$790||$66|
|Equinox LTZ 2WD||$164||$308||$282||$16||$84||$854||$71|
|Equinox LTZ AWD||$164||$308||$282||$16||$84||$854||$71|
|Equinox LTZ AWD||$164||$308||$282||$16||$84||$854||$71|
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in garaging location in Tucson which can alter rates greatly.
Tucson car insurance companies
Choosing the right auto insurance company is difficult considering how many companies there are in Arizona. The ranking information shown below could help you select which companies you want to consider when shopping insurance around for a Chevrolet Equinox.
The ratings below include companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Arizona will not be included in this list. If you would like to check rates from the most competitive companies in Arizona, click this link.
Top 10 Major Car Insurance Companies in Tucson Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Major Car Insurance Companies Overall in Tucson
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Get discounts on Tucson car insurance
Insurers that provide coverage for a Chevrolet Equinox could also offer price discounts that can reduce rates by as much as 25% or more if you qualify. A list of car insurance companies and a selection of discounts include:
- Farmers Insurance includes discounts for bundle discounts, youthful driver, alternative fuel, electronic funds transfer, good student, teen driver, and early shopping.
- Esurance has discounts for Switch & Save, Pac-12 alumni, safety device, paid-in-full, and online quote.
- State Farm offers discounts for multiple policy, defensive driving training, anti-theft, Steer Clear safe driver discount, and Drive Safe & Save.
- GEICO policyholders can earn discounts including seat belt use, five-year accident-free, federal employee, driver training, multi-vehicle, and anti-lock brakes.
- Allstate offers discounts including resident student, passive restraint, 55 and retired, auto/life discount, and new car.
The information below illustrates the difference between insurance rates with and without discounts. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with safe-driver, vehicle safety, multiple vehicle, homeowner, anti-theft, and claim-free discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance for a Chevrolet Equinox is 28% or $465.
You are probably paying too much for Equinox insurance
Arizona car insurance rates are based on many factors which can significantly increase or decrease the cost of having a policy. Simply turning a year older, having a claim, or getting a ticket for running a stop sign can trigger rate changes that may make certain companies cheaper than others.
And not only may your rating factors change, but insurers modify rates without warning in order to maintain liquidity for claims. Heavy losses may result in price increases, while lower claim expenses can cause cheaper Equinox insurance rates.
To illustrate this point, the bar chart below analyzes the cheapest car insurance in Tucson, AZ for a 45-year-old female driver with no prior claims, no tickets, and a decent credit rating. When comparing rates based on her current risk factors, The Hartford might offer the cheapest car insurance rates in Tucson at $1,049 a year. This is $379 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remaining cheapest Tucson, AZ auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a claim or two, slightly worse credit, and a traffic citation. Because each insurer has their own guidelines for establishing rates, comparing rates may now result in a slightly different list of cheap Tucson auto insurance companies as shown below.
Progressive now has the cheapest rate in Tucson, AZ with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual also being competitive. This example shows why consumers need to take the time to compare rates to get the lowest insurance rates for a Chevrolet Equinox. Prices are influenced by many risk factors and can decrease or increase without notice, so the best option a year ago may now be costing you a lot of money.
The agents below are a good start to provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation, since some people prefer to have some advice when buying car insurance for a Chevrolet Equinox. It can be complicated to find the best policy yourself, and getting professional guidance from a licensed agent can give you satisfaction knowing your policy gives you adequate protection in case of an accident or claim.
To locate an agency using an interactive map, click the button link following the list.
- Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016
- Charlie Riesgo – State Farm® Insurance Agent
131 S Camino Seco – Tucson, AZ 85710 – (520) 885-7717
- Allstate Insurance: David Mahony
5831 E Speedway Blvd – Tucson, AZ 85712 – (520) 721-9355
- Allstate Insurance: Debe A. Campos-Fleenor
3206 E Grant Rd – Tucson, AZ 85716 – (520) 745-0169
- Melissa Tureaud – State Farm Insurance Agent
7487 E Broadway Blvd – Tucson, AZ 85710 – (520) 296-9525
How to find low-cost insurance for a Chevrolet Equinox
Below you’ll find a few penny-pinching ideas that can help drivers buy more affordable coverage.
- Bundle home and auto and earn a discount
- Frequent claims will increase rates
- Vehicles with safetly features generally cost less to insure
- Save money by obeying traffic laws and keeping a clean driving record
- At-fault accidents can raise rates significantly
- Check for cheaper rates once a year
That final tip is extremely necessary, as was stressed in the prior article. Insurance rates vary greatly, so drivers shouldn’t be resistant to switch carriers if a better deal can be had. Loyalty to a specific company is fine, but it’s not a great idea if that inflexibility results in costing you several hundred dollars every year. In just a few minutes you could compare prices to find cheaper insurance for a Chevrolet Equinox in Tucson.