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New Member, New Owner - 2011 Equinox

8709 Views 16 Replies 7 Participants Last post by  intercede007
Picked it up Saturday. I really enjoy it so far. It's a fairly base model Equinox - the only option it came with was the Bluetooth package.

Without making this a novel, my previous car was a 2007 Mustang GT. I really wanted it and put myself into a stupid situation to get it. I could afford it, but I was throwing good money at a bad decision and I had enough. I was able to get myself almost completely out from underneath it with the Equinox. I lowered every payment I need to make for a car each month (loan, insurance) and I'll have it paid off only 6 months longer than it would have taken me to complete the Mustang loan. The first take of gas returned around 24 MPG around town, which is a huge improvement from the 17-19 that the Mustang got me.

My priorities being what they are now, I needed a real car. I have plenty of time to get another toy (I'm 29), but this is what I need now. The monthly savings is almost $200, and over the life of the loan it will be several thousand dollars. The plan is to keep making the same payment amount that I was on the Mustang towards this and accelerate that process.

I can't tell you how many of my friends have looked at me cross eyed and confused. It makes sense when I break it down about how stupid I was when I bought the Mustang and how bad of a situation it continued to be. I love that car - I hope to get another one again very soon. But I forgot how much I like driving something like the Equinox. I'm so much more relaxed and calm driving this.

Thanks for the info. The search feature is giving me back all sorts of interesting things I plan to do 8)


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I had Geico 18 months ago and really liked there service and web site, but then they raised my premium forcing me to shop. I went to State Farm for the lower premiums and then after only 18 months they raised me too. My wife and I are the only drivers, have no kids in house and have a perfect driving record.
I shopped again and now have Travelers and will save over $650 the first year. I hate switching but thats real money.
intercede007 said:
You know, after doing some more research I'm not sure I'm going to switch after all. Everything I've been reading seems to suggest that premium increases are almost a fact when you switch providers, and that eventually whoever I go with will end up at or near GEICO's rates. I know GEICO authorizes the use of new parts where available, but I've read in the Progressive policy documents that they use will use salvage or non-OEM parts if possible.

The time I've put into GEICO also means it is harder for them to dump me in the event of a claim, and I've built up years of discounts that I won't get with All State or anyone else for at least another decade.

And you're right - it is real money. Which makes it tough to decide if I want to take the leap to switch and endure probable increases in the near term (but save in the short term) or stay with GEICO. :-\
At Travelers I lock in for a year, not the 6 mo. policies most companys offer.
reako said:
Insurance companies also use your credit rating in determining your rates.
How do they check your credit rating without your SS#?
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