Who Has Affordable Car Insurance Quotes for a Chevrolet Equinox in Tulsa?

Finding competitive car insurance for a Chevrolet Equinox hinges on a complex formula that considers things such as your financial responsibility, your credit score, and your motor vehicle report. Drivers will pay around $1,128 each year to insure their Equinox, but that is a projection based on a 50-year-old single male driver with full coverage and $1,000 deductibles.

There is a good probability you may not be 50 years old (or even male), possibly married instead of single, and maybe your Equinox just needs liability-only coverage. Auto insurance is not the same for everyone, so the best way to find the cheapest rates for your Chevrolet is to do a thorough rate comparison. Quotes are free and you will be able to compare rates from some of the most affordable companies that offer coverage in Oklahoma.

Compare Chevrolet Equinox Insurance Rates

The trim level of your vehicle impacts the coverage cost, so the price you will be charged to insure a Equinox LS 2WD trim level will be $92 cheaper than the insurance cost for the more well-appointed Equinox LTZ AWD version, as demonstrated by the prices below.

Chevrolet Equinox Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $184 $378 $506 $30 $152 $1,250 $104
Equinox LT 2WD $184 $378 $506 $30 $152 $1,250 $104
Equinox LS AWD $184 $378 $506 $30 $152 $1,250 $104
Equinox LT AWD $184 $378 $506 $30 $152 $1,250 $104
Equinox LTZ 2WD $208 $446 $506 $30 $152 $1,342 $112
Equinox LTZ AWD $208 $446 $506 $30 $152 $1,342 $112
Equinox LTZ AWD $208 $446 $506 $30 $152 $1,342 $112
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in your specific Tulsa location which can alter insurance rates substantially.

Insuring your vehicle with the right insurance company can be challenging considering how many different insurance companies sell coverage in Tulsa. The rank data below could help you decide which car insurance providers to look at when shopping around. The ratings below are for large, nationwide insurance companies, so companies that may only write in Oklahoma are not factored into the list.

Top 10 Large Car Insurance Companies Overall in Tulsa

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Large Car Insurance Companies in Tulsa Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. Safeco Insurance
  5. AAA Insurance
  6. The Hartford
  7. Progressive
  8. 21st Century
  9. The General
  10. Esurance

Impact of speeding/accidents on Tulsa auto insurance rates

The easiest way to obtain the most affordable auto insurance premiums in Tulsa for an Equinox is to drive carefully and avoid traffic citations and accidents. The illustration below demonstrates how citations and accident claims can influence yearly insurance costs for different insured age categories. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

In the example above, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,785. Factor in two speeding tickets and the average cost hikes up to $3,693, an increase of $908 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Chevrolet Equinox goes up to an average of $7,037. That’s an increase of $4,253, or $354 per month, just for a couple of infractions!

Full coverage versus liability only rates

Buying cheaper auto insurance should be important to the majority of people, and one of the easiest ways to buy cheaper insurance for a Chevrolet Equinox is to only buy liability coverage. The illustration below shows the difference between insurance premiums with and without physical damage coverage. The data is based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.

As an overall average, physical damage coverage on your policy costs $3,335 per year more than insuring for liability only. That touches on the question when is the right time to remove full coverage. There is no clear-cut rule of when to exclude physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

There are some cases where removing full coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

How to find economical insurance for a Chevrolet Equinox

Here are a few money-saving solutions that can help you buy lower-cost coverage.

The last item on the list is extraordinarily vital, as we emphasized in the prior article. Prices charged by auto insurers fluctuate constantly, so don’t be tentative to buy a policy from a new company if you can find a cheaper rate. Sticking with a specific company is fine, but it isn’t a good idea if that loyalty results in overpaying potentially thousands of dollars a year. If you have a few minutes, shop around and find cheaper insurance for a Chevrolet Equinox in Tulsa.

The agencies below can probably help you make a decision which policy is best, since some drivers aren’t sure which coverage they need and prefer to get some professional advice when shopping for cheaper insurance for an Equinox. It’s not always easy to find the best coverage on your own, and agents can give peace of mind knowing your coverage gives you sufficient coverage for your assets.

To locate a Tulsa auto insurance agent close to you, click the button at the bottom or click here to compare price quotes.

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