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

Buying affordable coverage for a Chevrolet Equinox is pretty straightforward, but it is dependent upon lots of different rating factors such as whether you are married or single, your credit score, and driving citations. Drivers in Colorado pay approximately $1,131 annually for Equinox insurance, but that cost is a projection calculated based on a 50-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.

But there is a high likelihood that you are not 50 and maybe not even a male, married instead of single, and maybe your Equinox just needs liability-only coverage. Having what appears to be a very minor change in the criteria used to calculate rates can result in a large change in the cost of a policy.

This example demonstrates why the best method for finding the most affordable coverage for your Chevrolet is to just compare rates yourself.

View Chevrolet Equinox Insurance Rates

The specific trim level will have an impact the yearly cost, so the rate you pay to insure a Equinox LS 2WD trim level will cost $114 less than the cost to insure the fancier Equinox LTZ AWD trim level, as shown in the chart below.

Chevrolet Equinox Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $234 $472 $396 $24 $118 $1,244 $104
Equinox LT 2WD $234 $472 $396 $24 $118 $1,244 $104
Equinox LS AWD $234 $472 $396 $24 $118 $1,244 $104
Equinox LT AWD $234 $472 $396 $24 $118 $1,244 $104
Equinox LTZ 2WD $264 $556 $396 $24 $118 $1,358 $113
Equinox LTZ AWD $264 $556 $396 $24 $118 $1,358 $113
Equinox LTZ AWD $264 $556 $396 $24 $118 $1,358 $113
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rates do not factor in vehicle garaging location which can lower or raise premiums noticeably.

Selecting the top car insurance provider is difficult considering how many different companies sell coverage in Aurora. The rank data displayed below could help you decide which car insurance companies you want to consider when shopping around. The ratings below are only comprised of companies with a national presence, so smaller regional companies are not included in the list.

Top 10 Large Auto Insurance Companies in Aurora Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. The General
  5. Progressive
  6. Allstate
  7. AAA Insurance
  8. American Family
  9. Nationwide
  10. Travelers

Top 10 Large Auto Insurance Companies in Aurora Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Nationwide
  9. Safeco
  10. Esurance

Cost of full coverage

Finding cheaper car insurance is probably important to most drivers, and one common way to find cheaper insurance for a Chevrolet Equinox is to buy only liability coverage. The information below visualizes the comparison of insurance costs with full coverage compared to only the Colorado minimum liability coverage. The data is based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no discounts are taken into consideration.

On average, full coverage costs an additional $2,380 per year more than just buying liability insurance. That raises the question when is the right time to remove full coverage. There is no clear-cut rule to delete physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

There are some scenarios where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not opt for liability only.

Why you are probably overpaying for Equinox insurance

Aurora car insurance rates are based on many factors which can substantially change the cost of coverage. Improving your credit rating, buying a new vehicle, or getting a ticket for running a stop sign can trigger changes in premium that may make certain companies much cheaper than others.

Not only may your situation change, but insurance companies file new Colorado car insurance rates without warning to adjust for heavy claims or excess profits. Unexpectedly high claims may result in increased policy costs, while long-term profits may produce cheaper Equinox insurance rates.

For instance, the graph below shows the cheapest car insurance in Aurora, CO for a 35-year-old male driver with no violations or accidents, and a good credit history. When comparing rates based on his current risk factors, The Hartford offers the cheapest car insurance rates in Aurora at $1,095 per year. This is $483 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO round out the rest of the cheapest Aurora, CO auto insurance companies.

Now we will give the driver in the first chart an at-fault accident, a little lower credit rating, and a blemish on his driving record. Since each insurance company has their own process for determining prices, comparing rates may now present a new list of companies as shown below.

Auto-Owners now has the lowest price on auto insurance in Aurora, CO with State Farm, American Family, Progressive, and Amica now being in the top five. This example illustrates why consumers need to take the time to spend some time comparing rates when trying to find cheap auto insurance rates for a Chevrolet Equinox.

Insurance rates can be altered by many factors and change substantially, so the cheapest company when you last compared rates may now be one of the more expensive options.

How to find cheaper car insurance for a Chevrolet Equinox

The list below details some of the recommended money-saving ideas that can help drivers locate more affordable coverage.

The last suggestion is very critical, as was pointed out in the prior information. Prices charged by companies adjust frequently, so drivers shouldn’t be reluctant to buy a different policy if a cheaper price is available. Having brand loyalty is commendable, but is isn’t recommended if that loyalty results in overpaying a lot of money every month. Spend a few minutes and shop around and find cheaper insurance for a Chevrolet Equinox in Aurora.

If you have questions and prefer to have the advice of a professional agent when shopping for the best coverage for a Chevrolet Equinox, the agents listed below can answer your questions and help you decide which coverage fits your budget.

To locate an Aurora car insurance agency close to you, click the button after the list or click here to compare prices now.

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