Best Chevy Equinox Insurance in Honolulu

Insurance quote for Chevy Equinox in HonoluluDo you need a better way to compare more competitive auto insurance rates in Honolulu, HI? Honolulu shoppers have lots of choices when shopping for affordable Chevy Equinox insurance. You can either waste hours struggling with agents to get rate comparisons or save time using the internet to compare rates.

There are both good and bad ways to buy auto insurance and we’ll show you the best way to quote coverages on a Chevy and locate the cheapest rates either online or from Honolulu insurance agents.

Affordable Honolulu Chevy Equinox insurance price quotes online

The following companies have been selected to offer price comparisons in Hawaii. If multiple companies are shown, it’s highly recommended you visit two to three different companies in order to find the most affordable rates.

Three main reasons to buy insurance

Despite the high cost of buying insurance for a Chevy Equinox in Honolulu, paying for insurance is mandatory in Hawaii but it also protects more than you think.

The benefits of insuring your car more than cancel out the cost, especially if you ever need it. An average driver in America is wasting up to $869 every year so compare quotes from several companies each time the policy renews to make sure the price is not too high.

Analysis of coverages

The coverage information below showcases a range of insurance policy prices for Chevy Equinox models. Understanding more about how policy rates are formulated can benefit drivers when making informed purchases.

Chevrolet Equinox Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $260 $412 $346 $20 $104 $1,142 $95
Equinox LT 2WD $260 $412 $346 $20 $104 $1,142 $95
Equinox LS AWD $260 $412 $346 $20 $104 $1,142 $95
Equinox LT AWD $260 $412 $346 $20 $104 $1,142 $95
Equinox LTZ 2WD $294 $484 $346 $20 $104 $1,248 $104
Equinox LTZ AWD $294 $484 $346 $20 $104 $1,248 $104
Equinox LTZ AWD $294 $484 $346 $20 $104 $1,248 $104
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in specific location information which can decrease or increase premiums considerably.

The diagram below demonstrates how deductibles and can affect Chevy Equinox premium costs for each age group. The data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Safe drivers pay less for auto insurance

The chart below demonstrates how citations and fender-benders can influence Chevy Equinox yearly insurance costs for each different age group. The data is based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Chevrolet Equinox annual premiums for males versus females

The diagram below illustrates the comparison of Chevy Equinox insurance rates for male and female drivers. The data is based on no claims or driving violations, comp and collision included, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Chevrolet Equinox liability-only versus full coverage

The chart below illustrates the difference between Chevy Equinox insurance costs when comparing full coverage to state minimum liability only. The costs are based on no violations or claims, $1,000 deductibles, marital status is single, and no discounts are applied.

Should you pay for full coverage?

There is no exact rule for phasing out physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your Chevy Equinox replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $4,000 after you pay the deductible. If you are paying over $400 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some conditions where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.

Don’t overlook these Chevy Equinox insurance discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can help lower your rates. A few discounts will be applied at the time of quoting, but a few must be asked about in order for you to get them.Insurance discounts

Keep in mind that most discounts do not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Just because you may think you can get free auto insurance, it’s just not the way it works.

The diagram below shows the difference between Chevy Equinox premium costs with and without some available policy discounts. The rates are based on a male driver, no claims or driving citations, Hawaii state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, claim-free, multi-policy, and marriage discounts applied.

Insurance companies that possibly offer most of the discounts above may include but are not limited to:

Double check with each company or agent which discounts can lower your rates. Some credits might not be offered on policies in Honolulu. To view companies with the best discounts in Hawaii, click here.