Who Has the Cheapest Car Insurance Rates for a Chevrolet Equinox in Oakland?

Buying competitive insurance for a Chevrolet Equinox depends on a lot of rating factors such as the safety rating of your vehicle, if you have a tendency to file claims, and any prior driving citations you have received. California drivers pay on average $1,326 per year for Equinox insurance, but that is a valuation based on a 40-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.

There’s a high likelihood you’re not a 40-year-old male, single instead of married, and you don’t want the same coverages and limits as the example. Everyone has unique insurance needs, and this illustrates why the only real way to find the most affordable coverage for your Chevrolet is to do your own rate comparisons. To cut your rates now, get a free quote and you will be able to compare rates from some of the best insurers that insure vehicles in California.

Find Cheaper Chevrolet Equinox Insurance

Vehicle trim level will influence the annual cost of coverage, so the price you pay to insure a Equinox LS 2WD will be $134 cheaper than the insurance cost for the more well-appointed Equinox LTZ AWD version, as shown in the chart below.

Chevrolet Equinox Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $310 $530 $456 $26 $136 $1,458 $122
Equinox LT 2WD $310 $530 $456 $26 $136 $1,458 $122
Equinox LS AWD $310 $530 $456 $26 $136 $1,458 $122
Equinox LT AWD $310 $530 $456 $26 $136 $1,458 $122
Equinox LTZ 2WD $350 $624 $456 $26 $136 $1,592 $133
Equinox LTZ AWD $350 $624 $456 $26 $136 $1,592 $133
Equinox LTZ AWD $350 $624 $456 $26 $136 $1,592 $133
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Table data does not factor in vehicle location which can change insurance rates substantially.

Oakland insurance company ratings

Choosing the top insurer can be rather challenging considering how many different companies insure vehicles in Oakland. The rank data listed below could help you decide which auto insurers to look at purchasing coverage from. These ratings only include the largest auto insurers in America, so companies that focus mainly on California business will not be included in this list.

Best 15 Insurance Companies for a Chevrolet Equinox in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Insure.com Best Car Insurance Companies

The information below shows how choosing a deductible can raise or lower insurance prices when trying to find cheap insurance for a Chevrolet Equinox. The premiums are based on a single male driver, comp and collision included, and no discounts are applied to the premium.

A 30-year-old driver could reduce rates by $488 a year by changing from a $100 deductible up to a $500 deductible, or save $736 by selecting a $1,000 deductible. Young drivers, like the age 20 example, could drop their prices as much as $1,432 or even more by choosing a larger deductible amount.

When raising deductibles, it is necessary to have additional savings on hand to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Why you are probably overpaying for Equinox insurance

California insurance rates are calculated based on many things which can significantly increase or decrease your annual premium. Simply improving your credit, moving across town, or having an accident can cause premium changes that may make certain companies cheaper in comparison to the competition. Not only may your risk profile change, but companies change prices without warning in order to remain profitable. Higher than normal claims can cause rate hikes, while lower claim expenses may result in lower-priced Equinox insurance rates.

The chart below shows which companies have the cheapest car insurance in Oakland, CA for a 35-year-old female driver with no accidents, a clean driving record, and a good credit rating. When comparing rates based on her current rating profile, Wawanesa might quote the cheapest car insurance rates in Oakland at $1,519 per year. This is $132 less than the average premium paid by California drivers of $1,651. USAA, Century National, Nationwide, and CSAA are also included in the top five cheapest Oakland, CA auto insurance companies.

Now we will give the driver from the first rate comparison an at-fault accident, a lower credit rating, and a couple of points charged on her driving record. Because every insurance company has a unique approach to determining premium rates, analyzing rates could result in a new list of affordable Oakland car insurance companies as shown below.

Grange now has the cheapest rate in Oakland, CA with Progressive, Mercury, Allstate, and USAA completing the list. This example demonstrates why consumers need to take the time to compare lots of rates when trying to find the most economical insurance quotes for a Chevrolet Equinox.

Insurance rates are impacted by many things and change substantially, so the most affordable company two years ago may now be priced much higher than other options.

How to find the cheapest insurance for a Chevrolet Equinox

Here are some of the recommended penny-pinching solutions that can help California drivers quote cheaper auto insurance.

That last tip is extremely critical, as we emphasized in the prior information. Car insurance prices adjust often, so don’t hesitate to switch companies if a better deal can be had. Staying with the same car insurance company is fine, but it isn’t a good idea if that faithfulness ends up costing you money that could be going to better use. In just a couple of minutes you could shop around and find cheaper auto insurance for a Chevrolet Equinox in Oakland.

If you prefer to have professional advice when trying to find lower insurance rates for a Chevrolet Equinox, the agencies below can most likely aid you in deciding which coverages are best. To locate an Oakland auto insurance agent in your neighborhood, click the button at the bottom of the list.

Judy Chambers – State Farm Insurance Agent
1305 Franklin St #400Oakland, CA 94612(510) 832-2195

Greater Metrowest Insurance Agency
Oakland, CA 94612Oakland, CA 94612(510) 444-1404

Farmers Insurance – Pamela Spikes
3410 Lakeshore Ave #204Oakland, CA 94610(510) 832-1005

More insurance agents in Oakland, CA