We just got the new insuance rates for our 2012 Equinox LTZ that we got after trading back our 2011 Equinox 2LT and I was bummed to see that the rates had jumped $123/year! Of course I questioned our agent hoping it was a mistake, but she told me it was the correct rate. The sticker price on this was $200 higher than the 2011 since we opted not to get the Nav system that we had nothing but trouble with in the 2011, which is how we ended up with 2012, but thats another story.. Her explanation was that the rate is base on symbols, ratings, cost to repair, etc. and the 2011 was a symbol 17 and the 2012 is a symbol 27! I look at it and the only change I see is Black vs the Mocha we used to have, a different emblem on back (LTZ vs LT), fish eye mirrors, and no navigation. So what has changed on this model year to drive the rate up that much????