How long has it been since you shopped around for the cheapest auto insurance rates in St. Petersburg, FL? St. Petersburg drivers have a choice when trying to find the lowest priced Chevy Equinox insurance. They can either spend hours driving around trying to get quotes or use the internet to get rate quotes. There is a better way to compare auto insurance rates and you need to know the absolute fastest way to get price quotes for a Chevy and find the lowest price from St. Petersburg insurance agents and online providers.
A recent survey discovered that most auto insurance buyers in Florida have purchased from the same company for at least four years, and just under half have never compared rates to find cheaper insurance. With the average auto insurance premium being $1,847, American drivers could save an average of about $850 each year, but they just don't understand the amount of money they would save if they switched to a cheaper policy.
Finding affordable insurance coverage in St. Petersburg is actually quite easy if you know where to start. If you already have coverage, you stand a good chance to be able to shop for the lowest rates using the concepts you're about to learn. Shoppers just need to know the least time-consuming way to shop their coverage around instantly.
Best companies for Chevy Equinox insurance
The companies shown below are our best choices to provide free quotes in Florida. If multiple companies are listed, it's a good idea that you visit several of them to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Equinox LS 2WD||$200||$342||$418||$24||$124||$1,108||$92|
|Equinox LT 2WD||$238||$402||$430||$26||$128||$1,224||$102|
|Equinox LS AWD||$222||$420||$564||$34||$168||$1,408||$117|
|Equinox LT AWD||$308||$636||$472||$28||$142||$1,586||$132|
|Equinox LTZ 2WD||$356||$736||$504||$30||$152||$1,778||$148|
|Equinox LTZ AWD||$414||$640||$546||$32||$164||$1,796||$150|
|Equinox LTZ AWD||$312||$634||$392||$24||$118||$1,480||$123|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in specific location which can change insurance rates significantly.
Safe drivers pay less for car insurance
The example below demonstrates how traffic citations and fender-benders can drive up Chevrolet Equinox annual premium costs for different age groups. The price estimates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
Lower rates by qualifying for discounts
Auto insurance is expensive, but you may find discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time of purchase, but a few must be manually applied before being credited.
- Air Bag Discount - Factory air bags or automatic seat belts could see savings as much as 30%.
- Anti-theft System - Vehicles optioned with advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
- More Vehicles More Savings - Buying insurance for multiple cars with the same company can get a discount for every vehicle.
- Sign Early and Save - Select insurance companies give a discount for switching to them prior to the expiration date on your current Equinox insurance policy. It can save you around 10%.
- College Student Discount - Kids who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
- Home Ownership Discount - Owning your own home or condo can get you a discount because it requires personal responsibility.
Consumers should know that most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think you can get free auto insurance, that's just not realistic.
To choose providers that have a full spectrum of discounts in St. Petersburg, click here.
Comparing rates from local St. Petersburg car insurance agents
A small number of people prefer to talk to a local agent and that is just fine! Experienced insurance agents are trained to spot inefficiencies and give you someone to call. A good thing about getting online price quotes is that you can obtain cheap auto insurance quotes and still have a local agent.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is immediately sent to participating agents in St. Petersburg who want to provide quotes to get your business. It's much easier because you don't need to search for any insurance agencies due to the fact that quote results will go directly to you. If you need to get a rate quote from one company in particular, just find their quoting web page and give them your coverage information.
Choosing the best insurer should include more criteria than just a cheap price quote. The answers to these questions are important, too.
- Will a damage claim use OEM or aftermarket replacement parts?
- Is coverage determined by price?
- Is the agency involved in supporting local community causes?
- Do they specialize in personal lines coverage in St. Petersburg?
- Do they reduce claim amounts on high mileage vehicles?
- Who is covered by the car insurance policy?
- Do the agents have professional certifications like CPCU or CIC?
If you would like to find a local St. Petersburg insurance agent, it helps to know the two different agency structures and how they can quote your rates. Agents in St. Petersburg can be classified as either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but it's important to know the differences because it may have an impact on which type of agent you select.
Exclusive Auto Insurance Agencies
Agents in the exclusive channel are contracted to one company such as State Farm, Allstate and AAA. These agents are not able to provide rate quotes from other companies so keep that in mind. Exclusive agents are highly trained on what they offer which helps overcome the inability to quote other rates. A lot of people purchase coverage from exclusives mostly because of the brand name and solid financial strength.
The following are exclusive agents in St. Petersburg that are able to give rate quotes.
- Allstate Insurance: Hank Brautigam
5700 4th St N - St. Petersburg, FL 33703 - (727) 526-9041 - View Map
- Scott Smith - State Farm Insurance Agent
5300 66th St N - St. Petersburg, FL 33709 - (727) 546-5715 - View Map
- Allstate Insurance: Mike Jett
6393 Dr M.L.K. Jr St N #104 - St. Petersburg, FL 33702 - (727) 526-1966 - View Map
Independent Agencies or Brokers
Independent agencies can sell policies from many different companies and that enables them to quote your coverage with many different companies and find the cheapest auto insurance rates. If your premiums go up, your agent can switch companies which is easy for the insured. If you are trying to find cheaper rates, you definitely need to get some free quotes from at a minimum one independent agency to ensure the widest selection of prices. They also have the ability to place coverage with additional companies that you may not be familiar with which can be an advantage.
Shown below are independent agencies in St. Petersburg who can help you get price quote information.
- John Domeier - Aflac Insurance Agent
720 17th Ave N - St. Petersburg, FL 33704 - (727) 542-5590 - View Map
- First Florida Insurance Network of Tampa Bay
2685 Ulmerton Rd #201 - Clearwater, FL 33762 - (727) 498-6551 - View Map
- Stahl and Associates Insurance
110 Carillon Pkwy - St. Petersburg, FL 33716 - (727) 391-9791 - View Map
Consumers in Florida can't get away from all the ads that claim the cheapest car insurance rates by Allstate, GEICO and Progressive. All the companies advertise the message that you can save after switching to them.
How is it possible that every company can offer drivers better rates? It's all in the wording.
Companies quote their best rates for a prospective insured that earns them the highest profit. A good example of this type of risk profile might be described as over age 30, has other policies, and has great credit. A customer who fits those characteristics will most likely get cheap rates and have a good chance to save money with a new company.
Consumers who are not a match for those criteria may be required to pay higher premiums and the customer not purchasing. The wording the ads use say "people who switch" not "everyone who quotes" can get the lowest rates when switching. That's the way companies can truthfully make the claims of big savings. This really drives home the point why drivers should compare free St. Petersburg auto insurance quotes often. It's just not possible to know with any certainty which company will have the best rates at this point in time.
Cheaper car insurance is a realistic goal
Drivers change insurance companies for many reasons like questionable increases in premium, being labeled a high risk driver, an unsatisfactory settlement offer and even high rates after DUI convictions. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.
When buying insurance coverage, it's very important that you do not skimp on coverage in order to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. Your focus should be to buy enough coverage at the best cost, but do not sacrifice coverage to save money.
We just showed you some good ideas how you can lower your Chevy Equinox insurance prices in St. Petersburg. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even be surprised to find that the biggest savings come from a small local company.
More tips and info about car insurance can be found by following these links:
- Auto Insurance 101 (About.com)
- What is the Best Auto Insurance in Clearwater, FL? (FAQ)
- What is the Best Cheap Auto Insurance in Palm Bay, FL? (FAQ)
- What is the Cheapest Car Insurance in Gainesville, Florida? (FAQ)
- Who Has the Cheapest Florida Car Insurance Quotes for 19 Year Olds? (FAQ)
- What Car Insurance is Cheapest in Orlando, Florida? (FAQ)
- Who Has Affordable Florida Car Insurance for a 20 Year Old Female? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Camry in Florida? (FAQ)
- Who Has Cheap Car Insurance Rates for Teenage Males in Florida? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)
- Distracted Driving Statistics (Insurance Information Institute)