View 2016 Chevrolet Impala Limited Insurance Quotes

Trying to find cheaper car insurance rates for your Chevrolet Impala Limited? If shopping for insurance quotes online is new to you, it’s easy to be bewildered by the sheer number of online companies competing for business.

It is always a good idea to quote other rates before your next renewal because car insurance prices trend upward over time. Even if you think you had the best rate for Impala Limited coverage two years ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about car insurance because it’s time to teach you the quickest way to remove unneeded coverages and save money.

If you are paying for car insurance now, you should be able to cut costs considerably using this information. Locating cheaper auto insurance coverage is quite easy. Nevertheless, drivers should learn the way companies sell insurance online and apply this information to your search.

How much does car insurance cost?

There are several ways to obtain and compare prices from lots of car insurance companies. The quickest method to do a complete rate comparison is to jump online and get quotes. This is quite simple and can be completed using a couple different methods.

  • The single most time-saving way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for separate forms for each price estimate. Taking the time to complete one form gets rate comparisons direct from many companies. It’s the fastest way to compare.
  • A slightly less efficient method to compare rate quotes consists of going to the website for each individual company and repeat the quote process. For sake of this example, we’ll assume you want to get rates from USAA, 21st Century and GEICO. In order to get each rate, you would have to take the time to go to each site to input your insurance information, which can get old fast. For a handy list of car insurance company links in your area, click here.
  • If you have time to kill, the last method to get comparison rates is calling or driving to local insurance agencies. Shopping for car insurance online makes this unnecessary unless your situation requires the advice and guidance that only a licensed agent can provide. However, consumers can comparison shop your insurance online but buy from a local insurance agent.

Which method you use is up to you, but be certain you are entering exactly the same coverage limits on every quote. If the quotes have different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best. Even a minor difference in limits can make a big difference in price. Just keep in mind that getting more free quotes helps you find more affordable rates.

Do you really save 40% when you switch?

Big name companies like State Farm, Allstate and GEICO seem to constantly run ads on TV and radio. All the companies seem to make the promise that you’ll save big if you switch your insurance policy to them. Is it even possible that every company can claim to save you money? It’s all in the words they use.

Different companies are able to cherry pick for the driver that will not have excessive claims. One example of this type of insured might be described as over the age of 35, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that fits those parameters will most likely get cheap car insurance rates and is almost guaranteed to cut their rates if they switch.

Insureds who cannot meet those standards will be charged higher premium rates which leads to business not being written. If you listen to the ad wording, they say “drivers who switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can confidently make those claims.

Different companies use different criteria so drivers must get as many free insurance quotes as possible. You cannot predict which insurance company will have the lowest premium rates for your situation.

What impacts Chevy Impala Limited insurance premiums?

Many different elements are considered when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but others are less obvious such as your marital status or your financial responsibility.It’s important that you understand the different types of things that aid in calculating the level of your policy premiums. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to cheaper rates.

  • Get married and get cheaper rates – Your spouse may save some money on your policy. Marriage demonstrates that you tend to be more responsible and statistics show married drivers get in fewer accidents.
  • Amount of liability – The liability section of your policy kicks in in the event that you are responsible for an accident. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Annual miles is a factor – The more you drive your Chevy in a year’s time the more you’ll pay to insure it. Most insurance companies calculate prices based upon how the vehicle is primarily used. Cars used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your insurance coverage policy shows the correct usage for each vehicle, because it can save money. An improperly rated Impala Limited is throwing money out the window.
  • Location can modify price – Having an address in less populated areas of the country can save you money when buying insurance coverage. People who live in big cities have more auto accidents and a longer drive to work. Fewer drivers on the road means less chance of accidents and also fewer theft and vandalism claims.

These discounts can lower your insurance rates

Insurance can be pricey, but companies offer discounts that could drop your premiums quite a bit. Some trigger automatically when you complete an application, but a few need to be manually applied before you will receive the discount.

  • Cautious Driver Discount – Drivers who avoid accidents can save up to 40% or more on their insurance quote for Impala Limited coverage compared to accident prone drivers.
  • Military Discounts – Having a deployed family member could be rewarded with lower rates.
  • Savings for New Vehicles – Buying coverage on a new vehicle may earn a small discount because newer vehicles have to meet stringent safety requirements.
  • Driver Education Discount – Require your teen driver to sucessfully take a drivers education course in school or through a local driver safety program.
  • Low Mileage – Driving fewer miles can qualify you for discounted insurancerates on garaged vehicles.
  • Telematics Devices – Drivers who elect to allow data collection to monitor when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
  • Air Bag Discount – Options like air bags may qualify for discounts of 25 to 30%.
  • Defensive Driver – Successfully completing a course teaching driver safety skills is a good idea and can lower rates if your company offers it.
  • E-sign Discounts – A handful of insurance companies will give a small break for completing your application digitally online.
  • Government Employee Discount – Active or retired federal employment can earn a discount up to 10% for Impala Limited coverage with some insurance companies.

While discounts sound great, it’s important to understand that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, you aren’t that lucky.

Some companies that may offer policyholders these money-saving discounts include:

Check with every insurance company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see a list of insurance companies that offer many of these discounts, click this link.

Different people need different auto insurance coverages

When buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

For example, these questions may help highlight if your insurance needs will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • Should I sign the liability waiver when renting a car?
  • Are my tools covered if they get stolen from my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When should I not file a claim?
  • Is extra glass coverage worth it?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverages and their meanings

Understanding the coverages of insurance aids in choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, a broken windshield, falling objects and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

This coverage will pay to fix damage to your Impala Limited resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, backing into a parked car, hitting a mailbox, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance protects you from damage that occurs to people or other property. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Smart shoppers get results

Affordable 2016 Chevy Impala Limited insurance is attainable on the web and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies don’t offer rate quotes online and most of the time these smaller companies provide coverage only through independent insurance agencies.

People leave their current company for a number of reasons such as high rates after DUI convictions, high prices, denial of a claim and an unsatisfactory settlement offer. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented a lot of ways to lower your 2016 Chevy Impala Limited insurance premium rates. The key concept to understand is the more companies you get prices for, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small local company.

Additional auto insurance information can be read at these links: