Best Cheap Insurance for a Chevrolet Equinox in Nevada

Best Cheap Insurance for a Chevrolet Equinox in Nevada

The likelihood of finding affordable coverage for a Chevrolet Equinox in Nevada relies on a complicated equation that takes into consideration things such as if you are a renter or homeowner, if you have ever let your coverage lapse, and any driving offenses on your record. Drivers pay an average of $930 every 12 months to buy insurance for a Chevrolet Equinox, but that is calculated using a 50-year-old married male driver that has full coverage and $100 physical damage deductibles.

If we were betting, you are not exactly 50 years old and possibly not even male, you might be single instead of married, or maybe your Nevada zip code is rated higher than the example. There is no one cookie-cutter policy that works for everyone, so your best chance at finding cheap insurance prices for your Chevrolet is to make a habit of comparing prices at least once a year.

Find Cheaper Chevrolet Equinox Insurance

Vehicle trim level will be a contributing factor to the cost of coverage, so the cost to insure a Equinox LS 2WD model will be $100 less than the price to insure the fancier Equinox LTZ AWD model, as shown in the chart below.

Chevrolet Equinox Insurance Rates in Nevada
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $206 $408 $296 $18 $88 $1,016 $85
Equinox LT 2WD $206 $408 $296 $18 $88 $1,016 $85
Equinox LS AWD $206 $408 $296 $18 $88 $1,016 $85
Equinox LT AWD $206 $408 $296 $18 $88 $1,016 $85
Equinox LTZ 2WD $234 $480 $296 $18 $88 $1,116 $93
Equinox LTZ AWD $234 $480 $296 $18 $88 $1,116 $93
Equinox LTZ AWD $234 $480 $296 $18 $88 $1,116 $93
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in garaging location in Nevada which can alter coverage prices considerably.

Comparing quotes for cost effective insurance is challenging, and determining which insurers offer the cheapest auto insurance rates for a Chevrolet Equinox calls for a bit more work. Each auto insurer has their own formula to set policy rates, so first we will examine the auto insurance companies that tend to be cheaper in Nevada.

It’s a good idea to know that Nevada auto insurance rates are impacted by many things that will increase or decrease the price you pay for coverage. Simply turning a year older, increasing deductibles, or getting a speeding ticket can produce rate changes that can make some companies higher-priced than the competition.

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Rankings for the cheapest car insurance companies in Nevada
Rank Company Cost Per Year
1 Allied $911
2 Travelers $930
3 Capital $1,018
4 Oregon Mutual $1,158
5 American Family $1,230
6 Progressive $1,238
7 GEICO $1,256
8 Nationwide $1,334
9 USAA $1,336
10 Safeco $1,346
11 Farmers $1,438
12 MetLife $1,615
13 Country $1,619
14 State Farm $1,681
15 Mercury $1,753
16 Victoria $2,011
17 Liberty Mutual $2,183
18 Allstate $2,314
19 Bristol West $2,384
20 Encompass $2,604
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Allied may offer some of the cheapest car insurance rates in Nevada at around $911 per year. Travelers, Capital, Oregon Mutual, and American Family would also make the list of some of the cheaper Nevada car insurance companies.

In this example, if you are a customer of Oregon Mutual and switched to Travelers, you might see a yearly price reduction of around $228. Policyholders with American Family could save as much as $300 a year, and Progressive policyholders might cut rates by $308 a year.

To get a quick, customized rate comparison, click here or visit several of the following companies.

Understand that those premiums are averages for all drivers and vehicles and and are not calculated with a specific rate factor for a Chevrolet Equinox. So the company that fits you best may not even be shown in the above list. That is why you need to compare rates from multiple companies using your own driver and vehicle profiles.

The example below illustrates how choosing a deductible can increase or decrease insurance prices when getting quotes for cheap insurance for a Chevrolet Equinox. The information is based on a married female driver, comp and collision included, and no discounts are applied to the premium.

In the chart above, a 30-year-old driver could lower rates by $342 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $516 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old, could save as much as $728 every year just by choosing higher deductibles. When using a larger deductible, it will now be necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

How to get the best cheap insurance for a Chevrolet Equinox in Nevada

It is possible to find better rates, and here are some of the better penny-pinching solutions that can help Nevada drivers find low-cost coverage.

  • At-fault accidents can raise rates significantly
  • Do not get tickets or violations
  • Improve your credit rating
  • Buy a car with high safety ratings
  • Raise deductibles
  • Remove physical damage coverage on older vehicles
  • Shop your coverage around for the best deal

The last tip in the list is incredibly crucial, as was affirmed in the article above. Prices in Nevada can change considerably based on profitability, so you should be ready to buy from a different company if you can save money.

Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that stubbornness costs you several hundred dollars every year. In just a couple of minutes you could shop around and find cheaper insurance for a Chevrolet Equinox.