2014 Chevrolet Impala Car Insurance Rates – 6 Ideas for Cheapest Quotes

Searching for lower car insurance rates for your Chevrolet Impala? Confused by the wide range of car insurance choices? People have such a vast assortment of choices available that it can easily become a difficult situation to find the lowest price.

If you have car insurance now, you should be able to save some money using this strategy. This information will let you in on how car insurance quotes work and some tips to save money. But consumers must learn how companies price online insurance and apply this information to your search.

Lower rate quotes by applying these six discounts

The cost of insuring your cars can be expensive, but you may qualify for discounts that could help you make your next renewal payment. Some discounts apply automatically at the time of purchase, but less common discounts must be specifically requested before they will apply.

  • Senior Citizen Rates – Drivers over the age of 55 could receive reduced rates on Impala coverage.
  • Memberships – Belonging to a professional or civic organization could trigger savings when shopping for insurance.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Impala coverage with select insurance companies.
  • Safety Restraint Discount – Drivers who require all occupants to buckle up before driving may be able to save a few bucks off the personal injury premium cost.
  • Homeowners Pay Less – Owning a house can save a few bucks because it requires personal responsibility.
  • Early Switch Discount – A few companies give discounts for buying a new policy before your current expiration date. The savings is around 10%.

Drivers should understand that most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way.

If you would like to see a list of providers with discount insurance rates, follow this link.

How to buy insurance coverage online

There are a lot of ways to compare insurance coverage prices but some are easier and takes less work. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to get pricing more quickly.

Many companies belong to an insurance system that enables customers to enter their policy data once, and each company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests to each individual insurance coverage company.

To fill out one form to compare multiple rates now click here to open in new window.

The single downside to comparing rates this way is you can’t choose which providers to get pricing from. So if you want to select individual companies to compare, we put together a list of companies who write insurance coverage in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just be sure you’re using identical coverages and limits for every company. If you use different liability limits it will be very difficult to make a fair comparison for your Chevy Impala. Quoting even small variations in coverage limits could skew the results. And when price shopping your coverage, comparing more company’s prices gives you a better chance of getting lower pricing.

Your car insurance coverage should be tailored to you

When buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Is upholstery damage covered by car insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • When should I not file a claim?
  • Is my Chevy Impala covered if I use it for business?
  • What is high-risk coverage and where do I buy it?
  • How do I insure my teen driver?
  • Am I covered if I drive in a foreign country?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Can you really save if you switch?

Well-known insurance coverage companies like Progressive, Allstate and GEICO continually stream ads in print and on television. All the companies try to convey promises about savings after switching your coverage. Is it even possible that every company can lower your premium rates? You have to listen carefully.

Insurance providers have a certain “appetite” for the type of customer that is profitable for them. One example of a profitable risk profile may be married and over the age of 30, has no tickets, and drives a lower-performance vehicle. Someone that matches those criteria will probably get the lowest car insurance rates and therefore will save a lot if they switch.

Potential customers who fall short of this ideal profile must pay a higher premium and ends up with the customer buying from someone else. The trick companies use is to say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way companies can truthfully claim big savings. Different companies use different criteria so you need to get as many free auto insurance quotes as possible. It’s not possible to predict which insurance coverage company will provide the lowest prices.

Specific coverages for a Chevy Impala

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Impala.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like dental work, rehabilitation expenses, doctor visits and chiropractic care. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as funeral expenses, repair costs for stationary objects, pain and suffering, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, theft, vandalism, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This coverage pays for damage to your Impala caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, hitting a parking meter, colliding with another moving vehicle, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

You can do this!

Cheaper car insurance can be purchased from both online companies and from local agencies, so you need to shop auto insurance with both to have the best chance of lowering rates. Some companies don’t offer rate quotes online and most of the time these regional carriers sell through independent agents.

Drivers leave their current company for a number of reasons such as not issuing a premium refund, extreme rates for teen drivers, questionable increases in premium or even denial of a claim. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped physical damage coverage only to find out that it was a big mistake. Your objective should be to buy the best coverage you can find at the best cost, not the least amount of coverage.

Much more information about car insurance is available on the following sites: