Cheaper 2014 Chevrolet Impala Car Insurance Cost

Overpriced Chevrolet Impala insurance can overdraw your checking account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Lots of insurance companies contend for your business, and because of this it can be hard to compare car insurance companies to find the absolute best rates possible.

Discounts are basically free money

Car insurance is not cheap, but discounts can save money and there are some available to reduce the price significantly. Some trigger automatically when you get a quote, but a few must be asked for in order for you to get them. If they aren’t giving you every credit available, you are paying more than you should be.

  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Own a Home – Being a homeowner may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
  • Senior Citizens – Mature drivers can possibly qualify for better auto insurance rates for Impala coverage.
  • No Charge for an Accident – Some insurance companies permit an accident without raising rates if you are claim-free for a set time period.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Safety Course Discount – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.

Consumers should know that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will bring down the cost of coverage.

For a list of insurance companies with discount auto insurance rates, follow this link.

How to Compare Car Insurance Rates

There are multiple methods to compare 2014 Chevy Impala car insurance quotes, but one way is easier and takes less work. You can spend your afternoon driving to local insurance agents in your area, or you could use online quoting to achieve your goal.

The majority of car insurance companies take part in a program where prospective buyers only type in their quote data once, and each participating company can provide price quotes determined by their information. This prevents consumers from doing quote forms for every car insurance company.

To find out what other companies charge for 2014 Chevy Impala insurance click here (opens in new window).

One minor caviat to pricing coverage this way is you can’t choose the insurers you want to price. So if you want to select from a list of companies for rate comparison, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever method you choose, ensure you’re using apples-to-apples coverages with each company. If you compare mixed coverages then you won’t be able to find the best deal for your Chevy Impala.

These factors can influence Chevy Impala insurance rates

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for insurance coverage. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get big savings.

Listed below are a partial list of the pieces that factor into your rates.

  • Multiple policies with one company can save – The majority of insurance coverage companies give discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to comparison shop to make sure you are getting the best deal.
  • Your insurance coverage rates can be influenced by your job – Jobs such as doctors, executives and stock brokers have the highest rates due to stressful work requirements and lots of time spent at work. On the other hand, professions such as pilots, students and retirees get better rates for Impala coverage.
  • Males pay more for insurance – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men cause accidents in similar numbers, but the male of the species cause more damage. Men also tend to receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Adjust deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Chevy. Examples of covered claims could be collision with another vehicle, damage caused by hail, and burglary. The deductibles are how much you are willing to pay if you file a covered claim. The more expense you’re willing to pay, the less your insurance coverage will be for Impala coverage.
  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Chevy Impala has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Your car’s features help determine rates – Driving a car with an alarm system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Younger drivers pay higher rates – Older drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Teen drivers are statistically proven to be careless and easily distracted behind the wheel therefore insurance coverage rates are much higher.
  • Liability coverage is cheap – Your policy’s liability coverage provides coverage when a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Should I bundle my homeowners policy with my auto?
  • When does my teenage driver need to be added to my policy?
  • Is motorclub coverage worth it?
  • How much liability coverage do I need in my state?
  • Should I waive the damage coverage when renting a car?
  • Does car insurance cover theft of personal property?
  • Can I make deliveries for my home business?
  • Should I carry comprehensive and collision coverage?
  • How do I buy GAP insurance?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Educate yourself about car insurance coverages

Understanding the coverages of car insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are the normal coverages available from car insurance companies.

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

Comprehensive insurance covers claims like rock chips in glass, a broken windshield and hitting a deer. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Impala.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having 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 reimburse you for immediate expenses for things like rehabilitation expenses, dental work and hospital visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Liability coverages – Liability coverage can cover damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical expenses, loss of income, legal defense fees, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Collision coverages – Collision coverage covers damage to your Impala from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, colliding with a tree, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

And the best car insurance company is…

Cheap 2014 Chevy Impala insurance can be bought both online and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

We just covered a lot of techniques to shop for insurance online. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with a lesser-known regional company. Regional companies often have lower prices on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

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