2017 Chevrolet Impala Insurance Rates – 5 Ways to Save

I can’t think of a single person who fancies paying their premiums for car insurance, especially knowing they could find better prices if they shop around.

You have so many auto insurance companies to buy insurance from, and even though it’s nice to have a selection, lots of choices makes it harder to find the lowest rates.

Save money with these five discounts

Car insurance is not inexpensive, but you may be missing some discounts that you may not even know about. Some discounts apply automatically when you complete an application, but a few must be manually applied before being credited.

  • Include Life Insurance and Save – If the company offers life insurance, you could get a lower premium rate if you buy a life insurance policy as well.
  • Auto/Home Discount – If you have multiple policies and place coverage with the same company you may save over 10 percent off each policy depending on the company.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks off the personal injury premium cost.
  • Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.

Just know that some credits don’t apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you could get a free car insurance policy, it just doesn’t work that way.

Companies and their possible discounts can be read below.

  • State Farm offers premium reductions for safe vehicle, good student, defensive driving training, student away at school, multiple autos, accident-free, and Steer Clear safe driver discount.
  • American Family discounts include multi-vehicle, bundled insurance, defensive driver, early bird, and accident-free.
  • GEICO may have discounts that include defensive driver, good student, membership and employees, daytime running lights, and multi-policy.
  • 21st Century policyholders can earn discounts including homeowners, automatic seat belts, anti-lock brakes, student driver, defensive driver, teen driver, and good student.
  • Progressive may include discounts for good student, continuous coverage, homeowner, online signing, multi-policy, and multi-vehicle.

Before you buy a policy, ask all the companies to apply every possible discount. Some of the discounts discussed earlier might not apply in your area. To see insurers who offer car insurance discounts, follow this link.

How much is insurance?

Performing a rate comparison can be challenging if you don’t know the most efficient way. You could spend your day talking about coverages with insurance companies in your area, or you can stay home and use online quoting to achieve your goal.

Many companies participate in a marketplace that allows shoppers to send in one quote, and every company returns a competitive quote. This system prevents you from having to do quote forms to every company. To find out what other companies charge click to open in new window.

The one disadvantage to comparing rates this way is you can’t choose which providers to receive prices from. If you wish to select individual companies for rate comparison, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, make sure you use the exact same quote data for each price quote. If you enter unequal deductibles or liability limits then you won’t be able to make an equal comparison. Even a minor difference in insurance coverages may cause a big price difference. Just remember that comparing more company’s prices helps improve the odds of finding a lower rate.

What is the best auto insurance coverage?

When choosing proper insurance coverage, there is no cookie cutter policy. Each situation is unique and your policy should reflect that. For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Do I have newly-aquired coverage?
  • Why is insurance for a teen driver so high?
  • Do I need rental car coverage?
  • Am I covered if hit by an uninsured driver?
  • Do I need motorclub coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • What is no-fault insurance?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk 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.

Auto insurance 101

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types available from auto insurance companies.

Collision coverage – This covers damage to your Impala resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, hitting a mailbox, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverages – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, a broken windshield, vandalism, falling objects and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance – Liability insurance can cover damage or injury you incur to a person or their property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as emergency aid, repair costs for stationary objects, bail bonds, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage pay for immediate expenses for X-ray expenses, nursing services, chiropractic care, ambulance fees and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Chevy Impala.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Saving money makes a lot of cents

Some insurance companies don’t offer online price quotes and many times these regional insurance providers prefer to sell through local independent agencies. Cheaper 2017 Chevy Impala insurance is attainable online and from local agencies, so compare prices from both to have the best rate selection.

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed physical damage coverage only to discover later they didn’t have enough coverage. Your goal is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

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