2014 Chevrolet Impala Limited Car Insurance Rates

Want cheaper auto insurance rates for your Chevrolet Impala Limited? I can’t think of a single person who enjoys paying for auto insurance, in particular when the cost is too high. Numerous insurance companies battle to insure your vehicles, so it can be very hard to choose a provider to discover the definitive cheapest price

It’s a great practice to shop coverage around yearly since insurance rates change frequently. If you had the best rates on Impala Limited insurance on your last policy you can probably find a lower rate today. Starting now, ignore everything you know about auto insurance because you’re about to learn how to use online quotes to properly buy coverages and cut your premium.

Lesser-known factors impacting Chevy Impala Limited insurance rates

Consumers need to have an understanding of the factors that help determine the price you pay for insurance coverage. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Traffic violations increase rates – Your driving record has a lot to do with how much you pay for insurance. Even a single speeding ticket may increase your cost twenty percent or more. Drivers with clean records get better rates than their less careful counterparts. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • High numbers of claims are not good – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Companies award better rates to drivers who file claims infrequently. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Having a spouse can save you money – Having a wife or husband helps lower the price on insurance coverage. Having a spouse usually means you are more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Rates may be higher depending on your occupation – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as lawyers, social workers and stock brokers tend to pay the highest rates because of high stress levels and long work days. On the other hand, professions such as actors, students and performers have the lowest average rates on Impala Limited insurance.
  • Do you have enough liability coverage? – Liability insurance is the coverage that protects you if a jury decides you are liable for damages from an accident. It will provide legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Where you live can impact rates – Living in a rural area has it’s advantages when it comes to insurance coverage. City drivers regularly have congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.
  • Mature drivers pay less – Mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers have a tendency to be more careless in a vehicle therefore insurance coverage rates are much higher.
  • Do you know your deductibles? – The deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The higher the amount you’re willing to pay, the lower your rates will be on Impala Limited insurance.

Cut your insurance rates with discounts

Insurance can be prohibitively expensive, but there are discounts available that you may not know about. A few discounts will automatically apply when you quote, but some must be manually applied before being credited. If you’re not getting every credit available, you’re just leaving money on the table.

  • Defensive Driver – Taking a course in driver safety could save 5% or more if you qualify.
  • Good Student – Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less on Impala Limited insurance than drivers with accident claims.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Passive Restraints – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, insurance companies aren’t that generous. But any discount will help reduce your premiums.

To see a list of providers with discount insurance rates, click here to view.

Drivers who switch save $387 a year? Really?

Consumers can’t get away from ads for the lowest price auto insurance from the likes of Allstate and Progressive. All the ads say the same thing that you’ll save big after switching your coverage to them.

How can each company claim to save you money? This is how they do it.

Different companies have a certain “appetite” for the driver they prefer to insure. A good example of a driver they prefer might be a mature driver, has no prior claims, and drives newer vehicles. A customer getting a price quote who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who do not match these standards will be quoted more money and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save money. That’s why companies can state the savings.

This emphasizes why drivers should compare many company’s rates. It’s impossible to know which company will fit your personal profile best.

You are unique and your insurance coverage should be too

When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

  • Am I insured when driving a different vehicle?
  • Are my friends covered when driving my car?
  • Do I have any recourse if my insurance company denies a claim?
  • How much liability insurance is required?
  • Do I need replacement cost coverage?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most car insurance policies.

Liability coverage

This coverage will cover injuries or damage you cause to other people or property. This coverage 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. Your policy might show values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair bills for other people’s vehicles, medical services, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, a broken windshield, vandalism, theft and damage from getting keyed. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for EMT expenses, X-ray expenses, ambulance fees and pain medications. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Save your cold hard cash

We just showed you a lot of ways to save on 2014 Chevy Impala Limited insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from the smaller companies. Regional companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. Too many times, an insured dropped full coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.

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