Do you want to save money by finding the cheapest Chevy Equinox insurance in Virginia Beach? Having to pay for pricey Chevrolet Equinox insurance in Virginia Beach can bottom out your accounts and require stricter spending habits. Performing a rate comparison can be a smart way to ensure you are getting the best deal.
We don’t have to tell you that car insurance companies want to keep you from comparing prices. Drivers who compare other rates are inclined to buy a different policy because there is a high probability of finding a cheaper policy. A survey found that drivers who compared price quotes annually saved as much as $860 a year as compared to drivers who didn’t regularly shop around.
If finding the cheapest price for Chevy Equinox insurance in Virginia Beach is your goal, understanding how to quote and compare insurance coverage can save time and make the process easier.
How to find discount Chevy Equinox insurance in Virginia Beach
The preferred way to save money on Chevy Equinox insurance in Virginia Beach is to regularly compare price quotes from different companies in Virginia. This can be done by following these guidelines.
- Step 1: Learn about how companies price auto insurance and the measures you can take to prevent expensive coverage. Many things that drive up the price like traffic violations and an imperfect credit history can be amended by improving your driving habits or financial responsibility.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from many different companies. Select a company
- Step 3: Compare the new rate quotes to your existing rates and determine if there is any savings. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Notify your company or agent of your intent to cancel your existing policy and submit a completed policy application and payment to the new company. Immediately upon receiving it, safely store the certificate verifying proof of insurance somewhere easily accessible.
One key aspect of rate comparisons is to use similar limits and deductibles on every quote and and to get price quotes from as many car insurance companies as possible. This provides a level playing field and a complete price analysis.
Due to the large number of companies and agents to choose from, it is hard for the average consumer to locate the right auto insurance provider.
It is always a good idea to check auto insurance prices before your next renewal due to the fact that insurance prices tend to go up over time. Even if you think you had the best price on Chevy Equinox insurance in Virginia Beach six months ago you can probably find a better rate quote now. There are a lot of ways to save on Equinox insurance online but we’re going to give you some solid techniques on how to lower your auto insurance rates in Virginia Beach.
The most recommended method to get rate comparisons for Chevy Equinox insurance in Virginia Beach is to take advantage of the fact most larger insurance companies have advanced systems to give rate comparisons. To begin a comparison, all you need to do is provide a small amount of information such as driver ages, if you have an active license, types of safety features, and whether or not you need a SR-22. Your details is then sent to multiple top-rated companies and they respond with quotes immediately.
To check rates for your car now, click here and enter the information requested.
The companies in the list below provide comparison quotes in Virginia Beach, VA. If multiple companies are listed, we recommend you visit as many as you can to find the most affordable car insurance rates.
Detailed insurance information
The rate information displayed below highlights estimates of prices for Chevy Equinox models. Being able to understand how insurance prices are established is important to be able to make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $184 | $270 | $338 | $20 | $100 | $912 | $76 |
| Equinox LT 2WD | $184 | $270 | $338 | $20 | $100 | $912 | $76 |
| Equinox LS AWD | $184 | $270 | $338 | $20 | $100 | $912 | $76 |
| Equinox LT AWD | $184 | $270 | $338 | $20 | $100 | $912 | $76 |
| Equinox LTZ 2WD | $208 | $318 | $338 | $20 | $100 | $984 | $82 |
| Equinox LTZ AWD | $208 | $318 | $338 | $20 | $100 | $984 | $82 |
| Equinox LTZ AWD | $208 | $318 | $338 | $20 | $100 | $984 | $82 |
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific location information which can alter price quotes substantially.
Comparison of full coverage and liability-only policies
The information below illustrates the difference between Chevy Equinox insurance rates with full coverage and liability only. The premiums assume no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are factored in.
When to drop comprehensive and collision
There is no definitive rule to stop paying for full coverage, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s say your Chevy Equinox replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying your deductible. If you are paying in excess of $800 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are some scenarios where removing full coverage is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
When to get professional advice
When quoting and choosing a policy for your personal vehicles, there really is not a cookie cutter policy. Your needs are unique to you so this has to be addressed.
For example, these questions can help discover if your situation might need professional guidance.
- Why do I have to buy liability insurance?
- Do I need special endorsements for business use of my vehicle?
- Am I covered if I back into my garage door?
- How does medical payments coverage work?
- Do I have coverage when using my vehicle for my home business?
- Does rental coverage apply when I am renting a car?
- Do I need medical payments coverage since I have good health insurance?
- Do I need to file an SR-22 for a DUI in Virginia?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- What if I total my Chevy Equinox and owe more than it’s worth?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Auto insurance agents near you
Many people still like to sit down with an agent and doing so can bring peace of mind Insurance agents are trained to spot inefficiencies and help submit paperwork. An additional benefit of comparing rates online is the fact that you can find cheap insurance rates and still have a local agent.
To help locate an agent, after submitting this short form, the quote information is emailed to local insurance agents in Virginia Beach who want to provide quotes for your coverage. You won’t even need to drive around since price quotes are sent straight to your inbox. If for some reason you want to get a rate quote from a specific insurance provider, you just need to navigate to their website and fill out their quote form.
Deciding on an insurance company requires more thought than just the bottom line cost. Here are some questions you might want to ask.
- Do they offer claims assistance after hours?
- Which company do they place the most coverage with?
- Are they involved in claim handling?
- How much training do they have in personal risk management?
- Do they make recommendations based only on price?
- Where would glass claims be handled in Virginia Beach?
If you would like to find a good Virginia Beach insurance agent, it’s important to understand the types of agencies and how they differ in how they can insure your vehicles. Virginia Beach agents are considered either exclusive agents or independent agents. Either one can sell affordable insurance policies, but it is important to understand the difference between them since it could factor into your selection of an agent.
Exclusive Agents
Agents in the exclusive channel generally can only insure with one company such as State Farm, Allstate and AAA. Exclusive agents cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive insurance agents are very knowledgeable on their company’s products which can be an advantage.
The following is a list of exclusive insurance agencies in Virginia Beach that can give you comparison quotes.
Lee Barnes – State Farm Insurance Agent
1625 Salem Rd Ste 103 – Virginia Beach, VA 23456 – (757) 467-8890 – View Map
Sharon Lynch – State Farm Insurance Agent
3617 Dam Neck Rd – Virginia Beach, VA 23453 – (757) 430-9000 – View Map
Brett Cambron – State Farm Insurance Agent
1485 General Booth Blvd ste. 114 – Virginia Beach, VA 23454 – (757) 499-0559 – View Map
View more Virginia Beach agents
Independent Insurance Agents
Independent agencies are normally appointed by many insurers and that allows them to write policies with many different companies depending on which coverage is best. If they quote lower rates, they simply switch companies in-house and that require little work on your part. When searching for an agent, you should always compare prices from multiple independent agents for maximum quote selection.
Listed below is a list of independent insurance agents in Virginia Beach willing to provide rate quotes.
Bell Insurance Agency Corporation
1501 Cornwell Ln – Virginia Beach, VA 23454 – (757) 340-0028 – View Map
Nationwide Insurance: Chesson Insurance Agency Inc
307 Lynnhaven Pkwy Ste 201 – Virginia Beach, VA 23452 – (757) 464-4443 – View Map
Choice Insurance Agency
4664 South Blvd – Virginia Beach, VA 23452 – (757) 416-5100 – View Map
View more Virginia Beach agents
Once you have positive feedback to any questions you have as well as an affordable premium quote, you’ve probably found an insurance agency that can be relied on to insure your vehicles. But keep in mind you can always cancel a policy at any time so never feel that you are obligated to the insurance policy for the entire policy term.
Virginia Beach car insurance companies ranked
Picking the highest-rated company is hard considering how many companies provide coverage in Virginia. The information in the lists below could help you decide which car insurance companies you want to consider when shopping around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies