Insurance for Chevy EquinoxLocating budget-priced St. Paul Chevy Equinox insurance quotes on the web is overwhelming for people not familiar with buying insurance online. With such a big selection of agents and companies competing online, how can St. Paul drivers be able to compare every one to find the best available rates?

A recent car insurance study revealed that most consumers have stayed with the same insurance company for a minimum of four years, and just short of a majority have never compared rates from other carriers. Consumers in St. Paul could save an average of about $1,039 each year, but they think it's difficult to compare rates.

If you currently have auto insurance, you will definitely be able to buy cheaper auto insurance using these techniques. This article will let you in on how to get online quotes and some tricks to saving. But Minnesota car owners benefit from understanding how the larger insurance companies calculate your auto insurance rates and apply this information to your search.

Cheapest car insurance in St. Paul, MN

The companies in the list below have been selected to offer price quotes in Minnesota. If several companies are displayed, it's a good idea that you click on several of them to find the cheapest car insurance rates.

Chevrolet Equinox Insurance Rates in St. Paul, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $182 $306 $326 $20 $98 $932 $78
Equinox LT 2WD $130 $254 $358 $22 $108 $872 $73
Equinox LS AWD $118 $220 $304 $18 $92 $752 $63
Equinox LT AWD $222 $380 $326 $20 $98 $1,046 $87
Equinox LTZ 2WD $220 $452 $384 $22 $114 $1,192 $99
Equinox LTZ AWD $238 $482 $298 $18 $90 $1,126 $94
Equinox LTZ AWD $298 $570 $324 $20 $96 $1,308 $109
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in specific location which can increase or decrease rates significantly.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The comparisons below can help you understand the cost difference when you buy lower versus higher deductibles. The first set of prices uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.

Chevrolet Equinox insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $272 $492 $318 $18 $94 $1,219 $102
Equinox LT 2WD $272 $492 $318 $18 $94 $1,219 $102
Equinox LS AWD $272 $492 $318 $18 $94 $1,219 $102
Equinox LT AWD $272 $492 $318 $18 $94 $1,219 $102
Equinox LTZ 2WD $308 $580 $318 $18 $94 $1,343 $112
Equinox LTZ AWD $308 $580 $318 $18 $94 $1,343 $112
Equinox LTZ AWD $308 $580 $318 $18 $94 $1,343 $112
Get Your Own Custom Quote Go
Chevrolet Equinox insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $152 $260 $318 $18 $94 $842 $70
Equinox LT 2WD $152 $260 $318 $18 $94 $842 $70
Equinox LS AWD $152 $260 $318 $18 $94 $842 $70
Equinox LT AWD $152 $260 $318 $18 $94 $842 $70
Equinox LTZ 2WD $170 $306 $318 $18 $94 $906 $76
Equinox LTZ AWD $170 $306 $318 $18 $94 $906 $76
Equinox LTZ AWD $170 $306 $318 $18 $94 $906 $76
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific garaging location which can lower or raise premiums substantially.

Based on the data above, we can derive that using a $100 deductible costs about $33 more each month or $396 every year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average more than 27 months between claims, you would probably be better off if you choose a higher deductible.

Chevrolet Equinox annual premiums for males versus females

The chart below visualizes the comparison of Chevrolet Equinox insurance premiums for male and female drivers. The data is based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no other discounts are factored in.

Car insurance policy discounts for Chevy Equinox insurance in St. Paul

Car insurance can be pricey, but you might be missing out on some discounts that you may not even know about. Many of these discounts will be applied automatically at the time of quoting, but lesser-known reductions have to be requested specifically before being credited.

You can save money using discounts, but most of the big mark downs will not be given to the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So when it seems like it's possible to get free car insurance, it doesn't quite work that way.

Companies and a summarized list of policyholder discounts are:

Before buying, ask every company to apply every possible discount. A few discounts might not be available to policyholders in St. Paul. To see a list of insurance companies that provide some of the discounts listed above in Minnesota, click here to view.

Compare rates but buy from a local St. Paul insurance agency

Some people just prefer to talk to an insurance agent. One of the best bonuses of getting online price quotes is the fact that you can find cheaper premium rates and still have an agent to talk to.

Insurance agency in St. PaulTo find an agent, once you fill out this simple form, your insurance data gets sent to agents in your area that give free quotes for your car insurance coverage. You don't have to contact any insurance agencies since price quotes are sent directly to you. It's the lowest rates and work with a local agent. If you wish to compare prices from one company in particular, just go to their quote page and fill out the quote form the provide.

Picking an company needs to be determined by more than just the quoted price. Before buying a policy in St. Paul, get answers to these questions.

What type of St. Paul car insurance agent is right for you?

If you prefer to buy car insurance from a reputable agency, you should know the types of agencies and how they can quote your rates. Car insurance policy providers can be classified as either exclusive agents or independent agents.

Exclusive Agents

Agents that elect to be exclusive normally can only provide a single company's rates and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on their company's products which can be an advantage. Consumers frequently use the same agent mainly due to loyalty to the company and strong financial ratings.

Listed below is a short list of exclusive insurance agents in St. Paul willing to provide price quotes.

More insurance agents

Independent Car Insurance Agencies

Agents that choose to be independent are not locked into one company and that is an advantage because they can write policies with a variety of different insurance companies depending on which coverage is best. If your agent finds better pricing, they simply move your policy to a different company and that require little work on your part. When comparing rates, you will want to check rates from several independent insurance agents for the best price selection. Most also have access to companies you've never heard of which may have better rates.

Listed below are St. Paul independent insurance agents that are able to give price quotes.

More insurance agents

After getting good answers to any questions you have and an affordable coverage quote, you may have just found an insurance agent that is professional and can properly insure your vehicles.

Compare. Compare. Compare.

Consumers switch companies for many reasons like an unsatisfactory settlement offer, delays in paying claims, high rates after DUI convictions and even questionable increases in premium. It doesn't matter what your reason, finding a new auto insurance company can be pretty painless.

Some companies do not provide rate quotes online and usually these smaller companies only sell through local independent agents. Cheaper auto insurance in St. Paul is possible online as well as from insurance agents, and you need to price shop both so you have a total pricing picture.

We just presented a lot of ways to get a better price on Chevy Equinox insurance in St. Paul. It's most important to understand that the more providers you compare, the better likelihood of getting affordable St. Paul auto insurance quotes. You may even find the lowest priced auto insurance comes from the least-expected company.

More articles