Buying economical insurance for a Chevrolet Equinox in California is pretty easy to do, but it relies on a lot of rating criteria such as whether you own a home, your claims history, and your policy deductibles. Drivers will pay on average $1,417 per year to insure their Equinox, but that cost is based upon a 30-year-old single male driver with full physical damage coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 30 years old and maybe not even male, possibly married instead of single, or maybe you have a speeding ticket that needs to be factored in. The different assumptions illustrate why the only real way to find affordable rates for your Chevrolet is to do the rate comparisons yourself.
Insure Your Chevrolet for Less
Your vehicle’s trim level tends to have a direct impact on the yearly cost, so the rate you pay to insure a Equinox LS 2WD trim level will be $124 less expensive the price to insure the higher-end Equinox LTZ AWD trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| Equinox LT 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| Equinox LS AWD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| Equinox LT AWD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| Equinox LTZ 2WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Equinox LTZ AWD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Equinox LTZ AWD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in vehicle location which can change premium rates considerably.
Choosing a high-quality car insurance provider is hard considering how many different companies sell coverage in Bakersfield. The company rank data listed below could help you pick which coverage providers you want to consider when comparing rates.
The rankings below include companies that insure vehicles across America, so companies that have a smaller presence are not taken into consideration for the list. To check rates from these top-rated insurers and more, simply click here.
Top 10 Large Car Insurance Companies in Bakersfield Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
The example below demonstrates how deductibles can raise or lower annual premium costs when researching cheap insurance for a Chevrolet Equinox. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The data above shows that a 30-year-old driver could lower rates by $482 a year by increasing from a $100 deductible up to a $500 deductible, or save $724 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old example, have the ability to save up to $1,068 annually by choosing larger deductibles on their policy.
If you make the decision to raise deductibles, it is important to have emergency funds available to satisfy the extra out-of-pocket expense associated with higher deductibles.
A good deal can quickly turn bad
California auto insurance rates are based on many factors which can substantially change the cost of a policy. Improving your credit rating, buying a home, or getting a few speeding tickets can cause premium changes that may make certain companies cheaper than before.
Not only may your risk profile change, but insurers change their prices without warning in order to maintain liquidity for claims. Higher than normal claims may result in additional price hikes, while a profitable period may cause cheaper Equinox insurance rates.
For instance, the graph below shows rates for the cheapest car insurance in Bakersfield, CA for a 35-year-old female driver with a clean driving record, no accidents, and solid credit. If we compare prices based on her current situation, USAA might offer the best car insurance rates in Bakersfield at $1,129 per year. This is $522 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the top five cheapest Bakersfield, CA auto insurance companies.
In this example, we will give the driver from above an accident surcharge, slightly worse credit, and an imperfect driving record. Since each company has a different process for establishing rates, analyzing rate quotes could result in a different list of affordable Bakersfield car insurance companies as shown below.
Grange now has the cheapest insurance rate in Bakersfield with Mercury, Allstate, GEICO, and Progressive completing the list. This demonstrates why consumers need to compare rates when trying to find affordable car insurance quotes for a Chevrolet Equinox.
Rates can be altered by many risk factors and can change without notice, so the best option two years ago may now be wasting a lot of money.