Cheapest Insurance Quotes for a Chevrolet Equinox in Alabama

Cheapest Insurance Quotes for a Chevrolet Equinox in Alabama

The chances of buying cheap coverage for a Chevrolet Equinox in Alabama depends upon a complex rating formula that takes into consideration things like whether you are married, whether you have good credit, and driving violations. Alabama drivers pay around $810 every 12 months for Equinox insurance, but that amount is an estimation based on rate data for a 30-year-old married female that wants full coverage including both comprehensive and collision and $1,000 physical damage deductibles.

There is a good possibility you may not be 30 years old (or even female), single instead of married, and maybe you want higher deductibles. Auto insurance is unique to each driver, so the best way to quote the cheapest insurance price for your Chevrolet is to just take the time to do a thorough rate comparison.

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The trim level of your vehicle tends to have a direct effect on the cost of insurance, so the rate you will pay to insure a Equinox LS 2WD model will be $68 less expensive the price to insure the more expensive Equinox LTZ AWD trim level, as demonstrated by the prices below.

Chevrolet Equinox Insurance Rates in Alabama
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $156 $270 $344 $20 $102 $892 $74
Equinox LT 2WD $156 $270 $344 $20 $102 $892 $74
Equinox LS AWD $156 $270 $344 $20 $102 $892 $74
Equinox LT AWD $156 $270 $344 $20 $102 $892 $74
Equinox LTZ 2WD $176 $318 $344 $20 $102 $960 $80
Equinox LTZ AWD $176 $318 $344 $20 $102 $960 $80
Equinox LTZ AWD $176 $318 $344 $20 $102 $960 $80
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in Alabama location which can revise coverage rates greatly.

Figuring out which insurers offer the cheapest insurance rates for a Chevrolet Equinox will require more time in order to find coverage that fits your buget. Every insurance company has a different formula for setting prices, so let’s take a look at the most affordable insurance companies in Alabama.

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Cheapest auto insurance in Alabama ranked by cost per year
Rank Company Cost Per Year
1 Travelers $807
2 Cincinnati Insurance $836
3 USAA $895
4 GEICO $1,061
5 Country $1,195
6 Safeway $1,206
7 Auto-Owners $1,206
8 Progressive $1,286
9 State Auto $1,345
10 MetLife $1,381
11 California Casualty $1,466
12 State Farm $1,517
13 Nationwide $1,593
14 ALFA $1,726
15 Allstate $1,873
16 Farmers $1,912
17 Safeco $2,607
18 Liberty Mutual $2,717
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Travelers may have some of the most affordable car insurance rates in Alabama at around $807 a year. Cincinnati Insurance, USAA, GEICO, and Country also qualify as some of the best Alabama car insurance companies.

As depicted above, if you are currently insured with Country and switched to Cincinnati Insurance, you might see an annual premium reduction of about $359. Drivers with Safeway could save as much as $370 a year, and Auto-Owners customers might reduce prices by as much as $370 a year.

If you would like to find the cheapest insurance for a Chevrolet Equinox in Alabama, click here to start your custom quote or visit any of the low-priced companies below.

Remember that these premiums are averages for all insureds and vehicles and do not take into consideration a specific rate value for a Chevrolet Equinox. So the company that is best suited for you may not even be shown in the list of companies above. That illustrates why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

Get discount Alabama auto insurance

Insurance for an Equinox in AlabamaAuto insurance companies that offer the cheapest insurance for a Chevrolet Equinox in Alabama could also offer premium discounts that could potentially reduce rates by as much as 25% or more if you are eligible. A list of companies and a partial list of their discounts are detailed below.

Auto Insurance Discounts by Company
Discount Progressive Allstate State Farm Geico
Bundled policies Yes Yes Yes Yes
Multiple vehicles Yes No Yes Yes
Anti-theft Yes Yes Yes Yes
Safe vehicle No Yes Yes Yes
Air bags No Yes Yes Yes
Daytime running lights No No Yes Yes
Newer vehicle No Yes Yes No
Green vehicle No Yes No No
Safe driver Yes Yes Yes Yes
Defensive driver training Yes Yes Yes Yes
Low miles Yes Yes Yes No
Armed forces Yes No Yes Yes
Occupational No No No Yes
Full payment Yes Yes No Yes
Email statements Yes Yes No Yes
Customer loyalty Yes No Yes No
Sign early No Yes No No
Smart student Yes Yes Yes Yes
Distant student Yes Yes Yes No
Own a home Yes No No No
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The chart below compares auto insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Alabama state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, passive restraint, anti-theft, accident-free, vehicle safety, and marriage discounts applied. With discounts applied, the average amount saved each year on insurance for a Chevrolet Equinox is % or $.

Liability-only versus full coverage

Finding the cheapest insurance for a Chevrolet Equinox in Alabama should be important to most vehicle owners, and one of the fastest ways to save on the cost of insurance is to only buy liability coverage. The example below visualizes the comparison of annual premium costs with full physical damage coverage compared to only buying liability only. The information is based on no accidents or driving violations, $250 deductibles, single status, and no discounts are factored in.

If we average all the age groups together, physical damage insurance costs $2,101 per year more than carrying just liability coverage. Many people question if it’s worth it to buy full coverage. There is no clear-cut formula to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

Cheap Chevrolet Equinox insurance quotes

Consumers have many ways to shop for and buy insurance in Alabama, but the most frequently used are from a captive (or exclusive) agent like Auto-Owners or State Farm, an independent agent, or direct online or over the phone from a company like Geico or Progressive.

All three ways can provide insurance quotes, but they are slightly different in how they provide price quotes.

Independent agents work with multiple companies and can compare coverage rates with each one. These types of agents are appointed with more than one company and can provide you with more rates, which may give you a better chance of finding cheaper coverage. If premiums increase, they simply switch companies in-house which prevents you from having to find a new agency.

An agent who is captive is only able to give rates for one company, a couple examples are a State Farm or Liberty Mutual agent. They generally cannot quote prices from more than just one company, so unless you get quotes from other companies, you cannot determine which is cheapest.

The last way is buying direct, which means you do not use local agents and buy from a direct company like Geico or Progressive. Buying insurance direct may be good for families who do not need complex risk management and have knowledge of the exclusions of a policy.

So which one of the three ways works best to find the cheapest insurance for a Chevrolet Equinox in Alabama? It would be simple to say shopping direct results in the cheapest rates because you bypass the middleman, but in reality, that is not the case. We’d also like to say buying insurance from an independent agent can save the most money since they can quote with many companies, but that is not accurate either. For the right applicant, exclusive agents have coverage prices that are the cheapest in Alabama.

Because there are so many factors that make up insurance rates, the one way to get the lowest rate is to get quotes and compare. It’s a good idea to get price quotes all three ways to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.

How to find more affordable car insurance for a Chevrolet Equinox

Below you’ll find many penny-pinching ideas that can help drivers get the cheapest coverage.

  • Full coverage may not be needed on older vehicles
  • Buy your homeowners policy from the same company as your auto insurance
  • Violations like speeding or DUI increase rates
  • Frequent claims may make car insurance unaffordable
  • Buy vehicles with five-star safety ratings
  • Prevent price hikes by avoiding at-fault accidents
  • Compare rates once a year for cheaper prices

That last tip is highly valuable, as was affirmed in the article above. Car insurance prices in Alabama go up and down frequently, so don’t be hesitant to switch companies if a more affordable price is available. Being loyal to a particular company is commendable, but it’s not a good idea if that loyalty results in overpaying money that could be used for better things. Take a few minutes and compare prices to find cheaper auto insurance for a Chevrolet Equinox.