Lower Your 2017 Chevrolet Impala Insurance Quotes

Looking for cheaper insurance coverage rates for your Chevrolet Impala? Finding cheaper insurance for your Chevy Impala can be an all-consuming task, but you can follow our insurance coverage buying tips to save time. There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the best way to quote coverages for your Chevy and find the cheapest rates.

You need to do rate comparisons on a regular basis because prices trend upward over time. If you had the best rate for Impala insurance two years ago you can probably find a better premium rate now. Ignore everything you know about insurance coverage because you’re about to find out the only way to find great coverage at a great price.

If you have a policy now or need new coverage, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Pricing the best car insurance coverage is not that difficult. Drivers only need to know the most effective way to compare price quotes on the web.

Finding auto insurance

Most of the larger companies such as Allstate and Progressive allow you to get pricing online. Getting online quotes is quite easy because you just enter into a form. When complete, their system obtains reports for credit and driving violations and provides a quote based on the information you submitted.

This streamlines rate comparisons, but the time required to go to a lot of sites and type in the same information is a big time waster. But it’s absolutely necessary to compare as many rates as possible if you want to get lower prices.

Rate comparisons made easy

A less time-consuming method to get multiple rate quotes utilizes a single form that analyzes rates from many companies. It’s a real time-saver, eliminates repetitive work, and makes quoting online much easier to do. As soon as the form is sent, your coverage is rated and you are able to buy your choice of the quotes that you receive. If you find a better price you can click and sign and buy the policy. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

To get comparison pricing now, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter exactly as they are listed on your policy. Doing this guarantees you will be getting rate comparison quotes for similar insurance coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Save money by taking advantage of discounts

Companies offering auto insurance don’t always advertise their entire list of discounts in an easy-to-find place, so the following is a list of a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

• Save with More Vehicles Insured – Buying coverage for multiple cars with one company can get a discount for every vehicle.
• Defensive Driving Course – Taking part in a course in defensive driver may get you a small discount and easily pay for the cost of the class.
• Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for Impala insurance but check with your company.
• Pay Early and Save – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a car insurance quote.
• Distant Student – Kids who are attending college and leave their car at home could get you a discount.
• Include Life Insurance and Save – If the company offers life insurance, you could get a discounted insurance coverage rate on car insurance if you buy some life insurance in addition to your auto policy.
• Seat Belts Save – Requiring all passengers to buckle up before driving could save 15% off the PIP or medical payment premium.
• New Vehicle Savings – Insuring a vehicle that is new can cost up to 25% less compared to insuring an older model.
• Early Switch Discount – Some larger companies reward drivers for switching companies before your current expiration date. Ten percent is about the average savings.

Discounts lower rates, but most discount credits are not given the the whole policy. Most only reduce specific coverage prices like comp or med pay. So when it seems like you could get a free insurance coverage policy, you won’t be that lucky.

A few popular companies and some of their more popular discounts are:

• State Farm offers discounts including defensive driving training, anti-theft, multiple policy, multiple autos, passive restraint, and safe vehicle.
• American Family offers premium reductions for early bird, accident-free, good driver, defensive driver, air bags, and bundled insurance.
• Geico has discounts for membership and employees, good student, anti-lock brakes, emergency military deployment, anti-theft, driver training, and five-year accident-free.
• 21st Century policyholders can earn discounts including air bags, homeowners, student driver, anti-lock brakes, early bird, teen driver, and driver training.
• Progressive may include discounts for homeowner, online quote discount, multi-policy, continuous coverage, and good student.

Before purchasing a policy, check with every company which discounts can lower your rates. Depending on the company, some discounts might not be available to policyholders in your area. For a list of insurance coverage companies that offer some of these discounts, follow this link.

How much car insurance do I need?

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

• How can I get high-risk coverage after a DUI?
• Am I covered if I wreck a rental car?
• If my 2017 Chevy Impala is totaled, can I afford another vehicle?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does my medical payments coverage pay my health insurance deductible?
• How do I insure my teen driver?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Learn how to lower your insurance premiums

Many factors are considered when you get a price on insurance. Some are pretty understandable like an MVR report, although some other factors are less obvious like your continuous coverage or your financial responsibility.Consumers need to have an understanding of the rating factors that help determine your policy premiums. When you understand what impacts premium levels, this helps enable you to make changes that may result in lower premium levels.

Listed below are a partial list of the pieces utilized by car insurance companies to help set rates.

• Never go without insurance – Allowing your coverage to lapse can be a guaranteed way to increase your insurance rates. Not only will you pay higher rates, being ticketed for driving with no insurance may earn you a revoked license or a big fine.
• Protect yourself with liability coverage – Liability insurance will protect you if ever a jury decides you are liable for personal injury or accident damage. It will provide legal defense to defend your case. This coverage is relatively inexpensive compared to comp and collision, so do not cut corners here.
• Car plus home equals more savings – Most major insurers allow better rates for people who buy several policies from them in the form of a multi-policy discount. This can amount to ten or even fifteen percent. Even if you qualify for this discount already, drivers will still want to compare other company rates to verify if the discount is saving money.There is a good possibility that you can save money by buying insurance from more than one company.
• Older drivers pay less – Inexperience drivers tend to be careless and easily distracted when driving therefore insurance rates are much higher. Older, more experienced drivers are viewed as being more responsible, cause fewer claims and accidents and receive fewer citations.
• Your credit history is important – An insured’s credit rating factor in determining your rates. Therefore, if your credit history leaves room for improvement, you could potentially save money when insuring your 2017 Chevrolet Impala if you improve your credit rating. Drivers who have high credit ratings tend to file fewer claims and have better driving records than drivers who have lower ratings.
• Vehicles with better crash test results mean better rates – Safer cars tend to be cheaper to insure. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less and more competitive rates for policyholders.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Car insurance coverage information

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments – Med pay and PIP coverage reimburse you for bills for things like pain medications, doctor visits and dental work. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Impala.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, rock chips in glass, damage from flooding and hail damage. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – This will pay to fix damage to your Impala resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, driving through your garage door, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Auto liability insurance – This will cover damage or injury you incur to a person or their property. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like pain and suffering, medical services and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Pennies from heaven

Insureds switch companies for any number of reasons including being labeled a high risk driver, denial of a claim, an unsatisfactory settlement offer and even unfair underwriting practices. No matter why you want to switch, finding a new car insurance company can be easy and end up saving you some money.

As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There are a lot of situations where an insured dropped liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

You just read a lot of information how to shop for 2017 Chevy Impala insurance online. The key concept to understand is the more quotes you get, the higher your chance of finding cheap car insurance. You may even discover the lowest premium rates come from some of the smallest insurance companies.

For more information, feel free to visit the articles below:

• What is a Telematics Device? (Allstate)
• Child Safety FAQ (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• What is Full Coverage? (Allstate)
• Booster Seat Ratings (iihs.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption