Discount Chevy Equinox insuranceWant to save money and find low-cost Chevy Equinox insurance in Charleston? Frustrated by the number of insurance choices available to you? Many other drivers are as well. South Carolina consumers have so many choices available that it can easily turn into a real hassle to find lower prices on Chevy Equinox insurance. Lots of people think Charleston is a wonderful place to live, but having to pay for pricey insurance can make it impossible to buy proper levels of coverage.

Amazingly, the vast majority of South Carolina insurance customers kept buying from the same company for over three years, and approximately 38% of consumers have never compared quotes from other companies. The average driver in the United States could save themselves as much as 46.5% a year just by getting comparison quotes, but most tend to underestimate the benefits if they changed companies.

Consumers need to do price comparisons every six months because insurance rates trend upward over time. Just because you found the best rate on Chevy Equinox insurance in Charleston a few years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance because you're going to learn the best way to remove unneeded coverages and save money.

Buying the cheapest insurance in Charleston is actually not that difficult if you follow our advice. In a nutshell, each driver who shops for insurance should be able to reduce their rates. Nevertheless, South Carolina vehicle owners do need to learn the methods companies use to price insurance differently and use it to find better rates.

Most larger insurance companies allow consumers to get prices for coverage from their websites. Comparing prices online for Chevy Equinox insurance in Charleston doesn't take much effort as you simply enter your coverage preferences into the form. After you submit the form the quote system requests your driving and credit reports and gives you a price quote based on these factors.

Getting online rates for Chevy Equinox insurance in Charleston makes comparing rates easy, and it's necessary to perform this step in order to find the most affordable insurance rates.

To quickly find out how much you're overpaying now, compare quotes from the companies shown below. If you have your current policy handy, we recommend you copy the limits and deductibles as shown on your current policy. Doing this guarantees you will be getting a rate comparison using the same coverage and limits.

The companies shown below offer quotes in Charleston, SC. If more than one company is shown, we recommend you click on several of them to get the best price comparison.

Chevrolet Equinox Insurance Estimates in Charleston, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $288 $610 $412 $24 $124 $1,458 $122
Equinox LT 2WD $258 $512 $412 $24 $124 $1,330 $111
Equinox LS AWD $204 $368 $320 $18 $96 $1,006 $84
Equinox LT AWD $214 $358 $342 $20 $102 $1,036 $86
Equinox LTZ 2WD $208 $434 $386 $22 $116 $1,166 $97
Equinox LTZ AWD $286 $612 $358 $22 $108 $1,386 $116
Equinox LTZ AWD $158 $340 $386 $22 $116 $1,022 $85
Get Your Own Custom Quote Go

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate quotes do not factor in specific zip code location which can affect insurance rates greatly.

How accidents and violations affect rates

The information below highlights how speeding tickets and at-fault fender-benders can drive up Chevrolet Equinox insurance rates for different age groups. The data is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Physical damage deductibles

The information below demonstrates how choosing different deductibles and can raise or lower Chevrolet Equinox insurance costs for each different age category. The data assumes a single male driver, full physical damage coverage, and no discounts are applied to the premium.

Affordable rates by taking advantage of these ten discounts

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Many of these discounts will be applied automatically when you purchase, but once in a while a discount must be specially asked for before you get the savings. If you aren't receiving every discount available, it's possible you qualify for a lower rate.Insurance discounts

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, companies don't profit that way.

Auto insurance companies that may have many of the previously listed discounts include:

If you need lower rates, check with each company or agent which discounts you qualify for. Some of the discounts discussed earlier may not be available in your area.

Here's why insurance is not optional

Despite the fact that insurance is not cheap in Charleston, maintaining insurance serves an important purpose.

The benefits of having insurance definitely exceed the price paid, especially with large liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $865 each year so you should quote rates at every renewal to make sure the price is not too high.

You may require the services of a local insurance agent

Many people just want to sit down with an agent and we recommend doing that The best thing about comparing rates online is that drivers can save money and get cheap auto insurance quotes and still buy from a local agent.

Find insurance agent in CharlestonAfter completing this simple form, the coverage information is immediately sent to insurance agents in Charleston who will gladly provide quotes to get your business. It's much easier because you don't need to visit any agencies since rate quotes are delivered directly to your email. You'll get the best rates and a licensed agent to work with. If for some reason you want to quote rates from a specific insurance company, feel free to find their quoting web page and complete a quote there.

Selecting an insurance company requires you to look at more than just a cheap quote. These are some questions your agent should answer.

Best car insurance agent in Charleston

If you need to find a reliable agent, there are two different agency structures from which to choose. Insurance agencies in Charleston are classified as either independent or exclusive.

Exclusive Insurance Agencies

Agents in the exclusive channel can usually just insure with one company like American Family, State Farm, and AAA. They are unable to compare rates from other companies so always compare other rates. Exclusive insurance agents are highly trained on their company's products which helps offset the inability to provide other markets. Some people will only purchase coverage from exclusives primarily because of the prominent brand name rather than low rates.

The following is a short list of exclusive agents in Charleston who may provide you with rate quotes.

More insurance agents

Independent Agencies or Brokers

Agents in the independent channel do not work for one specific company and that allows them to write policies with an assortment of companies and find you cheaper rates. If they quote lower rates, your policy is moved internally and that require little work on your part.

If you need lower rates, you absolutely need to compare prices from independent agents in order to have the best price comparison. Most also write with companies you've never heard of which could offer lower prices.

Shown below are Charleston independent insurance agents that are able to give comparison quotes.

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Auto insurance policy specifics

Knowing the specifics of auto insurance aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision insurance

This will pay to fix damage to your Equinox from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as scraping a guard rail, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It's also possible to raise the deductible on your Equinox to bring the cost down.

Liability

This coverage will cover damage or injury you incur to people or other property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like funeral expenses, repair bills for other people's vehicles, legal defense fees, medical expenses and bail bonds. How much coverage you buy is a personal decision, but consider buying higher limits if possible. South Carolina state minimum liability requirements are 25/50/25 but it's recommended drivers buy more coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like doctor visits, hospital visits, EMT expenses and dental work. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, a tree branch falling on your vehicle and a broken windshield. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Equinox.

Since many South Carolina drivers have only the minimum liability required by law (South Carolina limits are 25/50/25), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.