Cheap 2014 Chevrolet Impala Limited Car Insurance Quotes

Want cheaper auto insurance rates for your Chevrolet Impala Limited? I can’t think of a single person who looks forward to paying for auto insurance, especially when they know their premiums are through the roof. Drivers have so many auto insurance companies to buy insurance from, and even though it’s nice to have a choice, it makes it harder to adequately compare rates.

It’s a great practice to shop coverage around periodically because prices change frequently. Just because you found the best rates for Impala Limited coverage a couple years back you may be paying too much now. There are lots of tips to save on auto insurance online, but we’re going to give you some good information on how to find cheap auto insurance.

Four factors that determine insurance rates

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that are used to determine your policy premiums. If you know what determines premiums, this helps enable you to make changes that may result in lower premium levels. Lots of things are part of the equation when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other criteria are more obscure such as your credit history or your vehicle rating.

  • Raise your comp and collision deductibles for better costs – Physical damage deductibles tell how much the insured will be required to pay if you file a covered claim. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply would be rearending another vehicle, collision with a deer, or theft of your vehicle. The higher the amount the insured has to pay upfront, the lower your rates will be for Impala Limited coverage.
  • Costs for males may be higher – Over the last 30 years, statistics show females are less aggressive when driving. It does not mean women are BETTER drivers than men. Women and men cause auto accidents in similar percentages, but guys cause more damage. They also have more aggressive citations like driving under the influence (DUI). Teenage male drivers have the highest risk to insure so they pay the highest premiums.
  • A auto insurance policy lapse can increase auto insurance rates – Driving without insurance coverage in place is illegal and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay higher rates, the inability to provide proof of insurance could result in a license revocation or jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Save money by having good credit – An insured’s credit history can be a huge factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could save money insuring your 2014 Chevrolet Impala Limited by improving your rating. Consumers who have excellent credit tend to file fewer claims and have better driving records than drivers who have lower ratings.

Get affordable car insurance with discounts

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts to help bring down the price. A few discounts will be applied when you quote, but some may not be applied and must be asked about prior to getting the savings.

  • Good Students Pay Less – Being a good student can save 20 to 25%. Most companies allow this discount well after school through age 25.
  • Employee of Federal Government – Employees or retirees of the government could qualify for a slight premium decrease for Impala Limited coverage with some car insurance companies.
  • Senior Citizens – Seniors may be able to get a small decrease in premiums for Impala Limited coverage.
  • Homeowners Savings – Owning your own home or condo can save a few bucks because it is proof of financial responsibility.
  • Waiver for an Accident – Not necessarily a discount, but certain companies will let one accident slide before hitting you with a surcharge if you are claim-free for a specific time period.
  • No Accidents – Drivers who don’t have accidents can earn big discounts as compared to policyholders that have many claims.
  • Air Bag Discount – Options like air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Discount for Life Insurance – Select insurance carriers reward you with a lower premium rate if you buy auto and life insurance together.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class as it will make them better drivers and lower rates.

A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. But any discount should help lower the amount you pay for coverage.

A few popular companies and a summarized list of policyholder discounts can be read below.

  • State Farm has savings for good driver, good student, multiple policy, multiple autos, Steer Clear safe driver discount, Drive Safe & Save, and safe vehicle.
  • GEICO may have discounts that include membership and employees, multi-vehicle, federal employee, good student, anti-theft, and seat belt use.
  • Allstate offers discounts for good payer, multi-policy, auto/life discount, senior citizen, and good student.
  • SAFECO policyholders can earn discounts including anti-theft, bundle discounts, drive less, accident prevention training, teen safety rewards, and teen safe driver.
  • Farm Bureau offers discounts including youthful driver, driver training, good student, multi-policy, and 55 and retired.
  • Progressive includes discounts for homeowner, online signing, multi-vehicle, continuous coverage, and online quote discount.
  • AAA may include discounts for AAA membership discount, good student, anti-theft, multi-policy, good driver, pay-in-full, and multi-car.

If you are trying to find low cost car insurance quotes, ask each insurance company which discounts you may be entitled to. Depending on the company, some discounts may not be offered in your state. If you would like to see a list of insurance companies that provide some of the discounts listed above, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out whether your personal situation would benefit from professional advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need special endorsements for business use of my vehicle?
  • Should I rate my 2014 Chevy Impala Limited as pleasure use or commute?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when driving someone else’s vehicle?
  • Is my teenager covered with friends in the car?
  • Is motorclub coverage worth it?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages 101

Understanding the coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types offered by car insurance companies.

Collision protection

Collision insurance covers damage to your Impala Limited caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Liability coverage

Liability insurance will cover damage that occurs to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims such as funeral expenses, bail bonds, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Impala Limited.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive car insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, vandalism and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like pain medications, prosthetic devices, hospital visits, surgery and doctor visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Be a penny pincher

When searching for affordable car insurance quotes, do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to regret that they should have had better coverage. Your aim should be to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

Some insurance companies may not have the ability to get a quote online smaller companies only sell coverage through independent insurance agents. Affordable 2014 Chevy Impala Limited insurance is attainable on the web in addition to many insurance agents, and you need to price shop both to have the best selection.

We just showed you a lot of techniques to compare 2014 Chevy Impala Limited insurance auto insurance rates online. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies. Regional companies often have lower premium rates on specific markets than their larger competitors like Allstate and Progressive.

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