Who Has Cheap Auto Insurance Rates for a Chevrolet Equinox in Fresno?

Finding competitive auto insurance for a Chevrolet Equinox doesn’t take a lot of effort, but it depends on lots of different factors such as whether the vehicle is new, your credit rating, and driving violations and tickets. California drivers pay around $1,254 a year for Equinox insurance, but that figure is a projection using a 40-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.

When projecting a rate like this, the problem is that you’re not a 40-year-old female, maybe you are married instead of single, and you may just want the cheapest liability coverage you can find. Just a slight change in the factors used in pricing a policy can make a big difference in the amount insurance costs for a Chevrolet Equinox.

The different assumptions illustrate why the best way to find the cheapest coverage for your Chevrolet is to just compare rates yourself.

View Chevrolet Equinox Insurance Rates

The specific model of Equinox will most likely have an effect on the yearly cost, so the cost to insure a Equinox LS 2WD model will be $100 cheaper than the insurance cost for the more well-appointed Equinox LTZ AWD trim level, as shown by the rates below.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Estimates do not factor in your specific Fresno location which can influence price quotes substantially.

Ending up with the right auto insurance provider can be challenging considering how many different insurance companies sell coverage in California. The company ratings shown next may help you pick which car insurance providers you want to consider when shopping car insurance rates for a Chevrolet Equinox.

These rankings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in California are not factored into these rankings. To view rates and find the cheapest rates for a Chevrolet Equinox, click here.

Top 10 Large Auto Insurance Providers in Fresno Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

Top 10 Large Auto Insurance Providers Overall in Fresno

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Price comparison of only insuring for liability

Saving money when shopping for auto insurance is probably important to the majority of vehicle owners, and one of the fastest ways to find cheaper insurance for a Chevrolet Equinox is to not insure for full coverage. The example below illustrates the difference between premium costs with full coverage and liability only. The costs are based on no violations or accidents, $100 deductibles, single status, and no policy discounts are applied.

If the expense is averaged for all age categories, full coverage costs $3,285 per year more than just buying liability insurance. A very common question is when is the right time to remove full coverage. There is no definitive rule to delete physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

There are some situations where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage.

Careless driving habits raise auto insurance rates

In a perfect world, the best way to score the most affordable auto insurance premiums in California for an Equinox is to be a safe driver and not have accidents or get tickets. The information below illustrates how violations and fender-benders influence insurance prices for different age groups. The data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

The data above shows the average cost of an auto insurance policy in California per year with no accidents or violations is $2,458. Add in two speeding tickets and the average cost swells to $3,251, an increase of $792 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Chevrolet Equinox increases to an average of $6,340. That’s an increase of $3,881, or $323 per month, just for being a careless driver!

Why you should be shopping around

California auto insurance rates are determined by lots of factors which can substantially decrease or increase the cost of a policy. Turning one year older, buying a home, or having an at-fault accident may cause policy rate changes that can make some companies cheaper than others. In addition, car insurance companies modify rates every year or even multiple times each year in order to remain profitable. Higher than normal claim frequency or severity can result in additional price hikes, while a better loss history may produce cheaper Equinox insurance rates.

For example, the data below shows the cheapest car insurance in Fresno, CA for a 40-year-old male driver with no prior accidents, a clean driving record, and a high credit rating. When comparing rates based on his current situation, USAA might offer the best car insurance rates in Fresno at $1,233 annually. This is $418 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also on the list of the best Fresno, CA auto insurance companies.

In this next rate comparison, we will give the driver from the first example a chargeable claim, a lower credit score, and a traffic ticket or two. Because each company uses a different method to set policy rates, getting updated rate quotes will most likely result in a significantly different list of the cheapest Fresno car insurance companies as shown below.

Grange now has the lowest car insurance rate in Fresno with Progressive, Allstate, GEICO, and Mercury now being in the top five. This example shows why consumers need to compare lots of rates when trying to get the most economical car insurance quotes for a Chevrolet Equinox. Car insurance prices are made up of many risk factors and change frequently, so the cheapest option six months ago may now cost much more than other companies.

How to find budget-friendly car insurance for a Chevrolet Equinox

The list below details some of the recommended money-saving ideas that can help drivers get cheaper car insurance.

• Increase the comprehensive and collision deductibles on your policy
• Prevent rate increases by staying accident-free
• Drop full coverage on older vehicles
• Higher credit ratings may save you money
• Be a cautious driver
• Drive a car with a high safety rating
• Check for cheaper rates once a year

The last tip is particularly significant, as was noted in the prior article. Insurance prices can change considerably based on profitability, so drivers shouldn’t be reluctant to switch to a new company if a more affordable price is available.

Many drivers prefer to stick with one company, but it’s not recommended if that faithfulness ends up costing you several hundred dollars every year. In less than five minutes you could shop around to find cheaper car insurance for a Chevrolet Equinox in Fresno.