2015 Chevrolet Impala Car Insurance Rates

Shopping for lower priced insurance may seem to be overwhelming for people not familiar with comparison shopping online. With so many online companies available, how are people expected to efficiently compare the different rates to find cheaper insurance rates?

You need to shop coverage around before your next renewal because prices go up and down regularly. Just because you found the best quotes for Impala insurance on your last policy there is a good chance you can find better rates now. There is a lot of wrong information about insurance on the internet, but in a few minutes you can learn a bunch of ideas how to stop overpaying for insurance.

If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Finding the best car insurance can be fairly easy. Although vehicle owners can benefit by having an understanding of how companies determine prices.

Finding insurance coverage

Effectively comparing insurance coverage prices can be challenging if you aren’t aware of the most efficient way to do it. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could save time and use online quoting for quick rates.

Many insurance companies belong to a marketplace where prospective buyers send in one quote, and at least one company returns a rated price determined by their information. This saves time by eliminating form submissions to each company.

To get comparison pricing now click here (opens in new window).

The only drawback to comparing rates this way is you are unable to specify which providers you want to price. If you wish to select from a list of companies to compare prices, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just try to use apples-to-apples coverage limits for each comparison quote. If you use different deductibles it will be next to impossible to get a fair rate comparison. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. And when price shopping your coverage, comparing a wide range of rates helps improve the odds of finding the best offered rates. Some insurance companies are not set up to provide online quotes, so it’s important to also get prices on coverage from those companies, too.

Save money with these auto insurance discounts

Auto insurance is neither fun to buy or cheap, but you may find discounts to reduce the price significantly. A few discounts will be applied when you quote, but occassionally some discounts must be manually applied prior to receiving the credit.

  • Active Service Discounts – Being deployed in the military can result in better prices.
  • College Student Discount – who attend college more than 100 miles from home and do not have a car may qualify for this discount.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn cheaper premium rates.
  • Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less since newer vehicles have better safety ratings.
  • Senior Discount – If you qualify as a senior citizen, you could receive a small decrease in premiums for Impala insurance.

Please keep in mind that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, nobody gets a free ride. But any discount will reduce the cost of your policy.

To view insurance companies that offer many of these discounts, follow this link.

Insurance can get complicated

When it comes to buying the best insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Exactly who is provided coverage by my policy?
  • How high should my medical payments coverage be?
  • What can I do if my company denied a claim?
  • Do I benefit by insuring my home with the same company?
  • Can I drive in Mexico and have coverage?
  • Do I need added coverage for expensive stereo equipment?
  • What if I total my 2015 Chevy Impala and owe more than it’s worth?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Eight tips to get cheap insurance rates

Lots of things are used in the calculation when pricing auto insurance. Some are obvious such as traffic violations, but some are more transparent like where you live or your vehicle rating.

  • Females tend to be lower risk – Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn’t prove that males are worse at driving than females. Both sexes get in accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as reckless driving.
  • Your liability limits – Liability insurance will protect you in the event that you are found to be at fault for damages from an accident. It will provide for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • City dwellers may pay more – Living in a small town is a positive aspect when insuring your vehicles. Fewer people means reduced accidents in addition to fewer liability claims. Drivers in populated areas have traffic congestion and much longer commute distances. Spending more time driving means more chance of being in an accident.
  • Teenage vs. older drivers – Teenage drivers are statistically proven to be more careless in a vehicle and because of this, their insurance rates are much higher. If you’ve ever had to add a first-time driver to your policy can really hurt. Older insureds are more cautious drivers, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Bundling policies can get discounts – Most major companies give discounts to customers who consolidate policies with them. It’s known as a multi-policy discount. Even with this discount applied, you still need to comparison shop to confirm you are receiving the best rates possible.
  • Choose high crash test ratings and save – Cars with high safety ratings tend to be cheaper to insure. The safest vehicles protect occupants better and fewer serious injuries means your insurance company pays less which can mean better rates for you. If your Chevy Impala is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Always keep your policy in force – Driving without insurance coverage in place can get you a ticket and any future policy may cost more because you let your insurance lapse for non-payment. In addition to paying higher premiums, failure to provide proof of insurance can result in a license revocation or jail time.
  • Do you really need to file that policy claims? – Auto insurance companies give discounts to insureds who file claims infrequently. If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for claims that pose a financial burden.

Be skeptical of car insurance ads

Car insurance providers like 21st Century, Allstate and State Farm consistently run ads in print and on television. All the ads advertise the message about saving some big amount if you move your coverage to them. How can each company give you a lower rate? It’s all in the words they use.

Car insurance companies have specific characteristics for the type of insured that will be a good risk. An example of a profitable insured might be described as over age 30, has never had a claim, and drives less than 7,500 miles a year. A customer getting a price quote who fits those characteristics gets the lowest prices and will pay quite a bit less when switching companies.

People who cannot meet these stringent criteria may be forced to pay a more expensive rate which leads to the customer not purchasing. If you listen to the ad wording, they say “drivers that switch” but not “everyone who gets a quote” save money. That’s why companies can state the savings. Different companies use different criteria so you should get insurance quotes from several different companies. Because you never know which insurance companies will have the best auto insurance rates.

Auto insurance policy specifics

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Chevy Impala.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

This will cover injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as loss of income, funeral expenses, medical expenses and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, funeral costs and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

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

Comprehensive can pay for things like damage from flooding, falling objects, hitting a deer, a broken windshield and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, rolling your car, sustaining damage from a pot hole, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

More quotes. Lower rates.

Budget-conscious 2015 Chevy Impala insurance can be purchased from both online companies and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not have the ability to get quotes online and these smaller providers provide coverage only through independent insurance agencies.

Consumers who switch companies do it for a variety of reasons including delays in responding to claim requests, being labeled a high risk driver, an unsatisfactory settlement offer or even unfair underwriting practices. No matter why you want to switch, finding a new company is not as hard as you think.

We covered many ways to shop for 2015 Chevy Impala insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheap insurance. Drivers may discover the lowest auto insurance rates come from an unexpected company.

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