What Car Insurance is Cheapest for a Chevrolet Equinox in San Jose?

Buying cheap insurance for a Chevrolet Equinox hinges on a complex formula that considers things such as whether you own a home, your credit status, and citations or violations on your driving record. California drivers will pay around $1,894 each year for Equinox insurance, but that figure is an estimate based upon a 30-year-old single female driver with full coverage and $100 deductibles.

But there is a high probability that you’re not a 30-year-old female, married instead of single, or maybe you prefer higher deductibles. Having what appears to be a very minor change in the criteria used to calculate rates could end up with a large change in the price of coverage.

This shows why the best way to find cheap insurance rates for your Chevrolet is to compare rates from as many companies as possible.

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The specific model of Equinox has an effect on the annual cost of coverage, so the price to insure a Equinox LS 2WD model will be $206 less than the insurance cost for the more costly Equinox LTZ AWD version, as shown by the rates below.

Chevrolet Equinox Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $422 $844 $596 $36 $178 $2,076 $173
Equinox LT 2WD $422 $844 $596 $36 $178 $2,076 $173
Equinox LS AWD $422 $844 $596 $36 $178 $2,076 $173
Equinox LT AWD $422 $844 $596 $36 $178 $2,076 $173
Equinox LTZ 2WD $476 $996 $596 $36 $178 $2,282 $190
Equinox LTZ AWD $476 $996 $596 $36 $178 $2,282 $190
Equinox LTZ AWD $476 $996 $596 $36 $178 $2,282 $190
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in zip code location which can revise coverage prices significantly.

Insuring your vehicle with the highest-rated car insurance company can be a challenge considering how many choices you have in San Jose. The company rank data in the lists below may help you analyze which companies you want to consider when comparing rates. The rankings below are only comprised of companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in California are not included in the list.

Top 10 Large Car Insurance Companies in San Jose Ranked by Customer Service

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

Top 10 Large Car Insurance Companies in San Jose 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%

Poor driving habits will raise your insurance rates

The obvious way to maintain low insurance rates in San Jose for an Equinox is to be a cautious driver and avoid tickets and accidents. The example below shows how speeding tickets and at-fault accidents can increase car insurance costs for different age groups. The information is based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,606. Add in two speeding tickets and the average cost rises to $3,499, an increase of $893 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of insurance for a Chevrolet Equinox goes up to an average of $6,793. That’s an increase of $4,187, or $349 per month, just for not maintaining a clean driving record!

Comparing rates on Equinox insurance can save you money

California insurance rates are calculated based on many things which can significantly increase or decrease the price of your policy. Simply having another birthday, marrying your spouse, or getting a driving violation can trigger rate changes that can now make some companies more affordable than others.

Also, car insurance companies amend premium rates without warning to reflect underwriting profits or losses. Heavier than normal losses may result in rate increases, while lower claim levels may result in cheaper Equinox insurance rates.

To illustrate this example, the bar chart below shows which company has the cheapest car insurance in San Jose, CA for a 45-year-old male driver with a good driving record, no prior claims, and good credit. If we estimate rates based on his current risk profile, USAA might offer the most affordable car insurance rates in San Jose at $1,266 annually. This is $385 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the cheapest San Jose, CA auto insurance companies.

Now let’s give the driver from the above example a claim, poor credit, and an imperfect driving record. Since each auto insurer has their own formula for setting rates, comparing prices will most likely result in a completely different list of companies as shown below.

Grange now has the cheapest auto insurance in San Jose, CA with Mercury, Progressive, Allstate, and GEICO completing the list. This demonstrates why it is so important to spend some time comparing rates when trying to get the best car insurance rates for a Chevrolet Equinox. Prices consist of many different factors and can decrease or increase without notice, so the cheapest option two years ago may now be costing you a lot of money.

If you have questions and prefer to get help from a professional when buying car insurance for an Equinox, the insurance agencies listed below can answer your questions and help you decide which coverage fits your budget. To locate an agency closest to you, click the button below the list.

View more San Jose, CA insurance agencies

Ideas for finding economical auto insurance for a Chevrolet Equinox

The list below details a few money-saving suggestions that can help you find cheap coverage.

The last tip is remarkably critical, as we hit on in the prior information. Car insurance prices in San Jose change a lot, so don’t be hesitant to buy from a new company if you find a better deal. Brand loyalty is great, but it’s not a great idea if that inflexibility results in costing you a lot of money. It only takes a couple minutes to compare prices and find cheaper car insurance for a Chevrolet Equinox.