2012 Chevrolet Impala Insurance Cost – 7 Tips for Cheapest Prices

Trying to find lower auto insurance rates for your Chevrolet Impala? Feel like you’re a prisoner to overpriced auto insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with TV and radio ads and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Consumers should take time to compare rates quite often due to the fact that insurance rates are usually higher with each renewal. Just because you had the best rates on Impala insurance on your last policy there may be better deals available now. There is too much inaccurate information about auto insurance online but I’m going to show you the best ways to buy auto insurance cheaper.

If you currently have car insurance, you should be able to lower your premiums substantially using this information. Choosing the best insurance company for you is easy if you know what you’re doing. Although car owners benefit from understanding how companies market insurance on the web because it can help you find the best coverage.

Quick Insurance Coverage Quotes

The are a couple different ways of comparing rate quotes from different insurance companies. The best way to compare 2012 Chevy Impala insurance prices is to get quotes online. This can be accomplished in several different ways.

The best way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for separate quotation requests for each company. Completing one form will return price quotes from insurance coverage companies with the best prices.

A less efficient way to shop for insurance coverage online requires visiting each company’s website to request a price quote. For sake of this example, we’ll pretend you want rates from State Farm, Geico and Progressive. To find out each rate you need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using the exact same coverages for every company. If you have differing limits you can’t possibly determine the best price for your Chevy Impala. Slightly different limits can mean a large discrepancy in price. Keep in mind that comparing more company’s prices helps you find lower pricing.

Is there truth in advertising?

Insurance providers like Allstate and Progressive consistently run ads on TV and radio. They all say the same thing that you’ll save big if you change your coverage to them. How does each company make the same claim?

All the different companies are able to cherry pick for the type of driver that earns them a profit. An example of a desirable insured might be profiled as between the ages of 40 and 55, a clean driving record, and has great credit. A customer who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who fall outside these standards must pay a more expensive rate and ends up with business going elsewhere. The ads say “drivers who switch” not “people who quote” save money. This is how insurance companies can confidently state the savings.

This illustrates why drivers must compare as many rates as you can. Because you never know which company will provide you with the cheapest Chevy Impala insurance rates.

You probably qualify for some discounts

Car insurance is not cheap, buy you may qualify for discounts that many people don’t even know exist. A few discounts will automatically apply when you quote, but less common discounts must be specifically requested in order for you to get them.

  • No Accidents – Good drivers with no accidents can earn big discounts when compared with bad drivers.
  • College Student – Youth drivers living away from home attending college and do not have a car may be able to be covered for less.
  • No Charge for an Accident – Certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Impala insurance than their less cautious counterparts.
  • Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on Impala insurance with certain companies.

It’s important to understand that many deductions do not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. So even though it sounds like you could get a free insurance coverage policy, you’re out of luck. Any qualifying discounts will bring down the amount you have to pay.

A partial list of companies that may offer these discounts may include but are not limited to:

Double check with each insurance company which discounts they offer. Some discounts might not apply in your area.

There’s no such thing as the perfect policy

When buying coverage, there is no single plan that fits everyone. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine whether you could use an agent’s help.

  • Do I need to file an SR-22 for a DUI in my state?
  • Why do I only qualify for high-risk insurance?
  • Is motorclub coverage worth it?
  • When does my teenage driver need to be added to my policy?
  • Can I get a multi-policy discount?
  • Does my policy cover my teen driver if they drive my company car?
  • When should I not file a claim?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When should I buy a commercial auto policy?
  • When would I need rental car insurance?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Coverages available on your policy

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. These are the usual coverages available from auto insurance companies.

Coverage for liability

This provides protection from injuries or damage you cause to other’s property or people. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as bail bonds, attorney fees, emergency aid, medical expenses and medical services. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2012 Chevy Impala.

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. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like prosthetic devices, rehabilitation expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage

This coverage pays for damage to your Impala from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a deer, rock chips in glass and falling objects. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Feed the piggy bank

Budget-conscious 2012 Chevy Impala insurance can be found both online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

When you buy insurance online, make sure you don’t skimp on coverage in order to save money. In too many instances, an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at the best price while still protecting your assets.

Additional detailed information can be read at these sites: