View 2016 Chevrolet Impala Limited Car Insurance Quotes

Locating cheaper insurance for your Chevy Impala Limited can be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to find car insurance online so you’re going to learn the absolute fastest way to quote coverages on a Chevy and find the lowest possible price either online or from local insurance agents.

Buying car insurance is quite easy. If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to reduce the price you pay while maximizing coverage. Consumers only need an understanding of the most efficient way to shop over the internet.

Lower rates by qualifying for discounts

Auto insurance can be pricey, but there may be some discounts to help offset the cost. Certain credits will be shown when you purchase, but once in a while a discount must be asked for prior to receiving the credit.

  • Organization Discounts – Being in specific professional or occupational memberships or organizations may earn a discount on your policy.
  • Low Mileage – Driving less may enable drivers to earn cheaper premium rates.
  • Multi-policy Discount – When you combine your homeowners and auto insurance with the same company you may earn approximately 10% to 15%.
  • Student Driver Training – Have your child participate in a local driver’s education class in high school.
  • Home Ownership Discount – Just being a homeowner can get you a discount since home ownership is proof that your finances are in order.
  • Switch and Save Discount – Some companies give discounts for switching companies before your current policy expires. It’s a savings of about 10%.

As a footnote on discounts, most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you aren’t that lucky.

Larger auto insurance companies and their possible discounts include:

  • Geico may include discounts for multi-vehicle, multi-policy, emergency military deployment, five-year accident-free, daytime running lights, federal employee, and good student.
  • MetLife may offer discounts for defensive driver, multi-policy, accident-free, good driver, good student, claim-free
  • Progressive has discounts for homeowner, good student, online signing, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
  • Travelers offers discounts for continuous insurance, student away at school, multi-car, IntelliDrive, and multi-policy.
  • SAFECO offers premium reductions for teen safe driver, anti-lock brakes, multi-car, bundle discounts, and accident prevention training.
  • AAA may have discounts that include good driver, AAA membership discount, good student, multi-car, pay-in-full, and multi-policy.

Double check with every company to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in every state. If you would like to view companies who offer free auto insurance quotes, click this link.

Buy insurance online

Performing a rate comparison is a ton of work if you don’t understand the most efficient way to do it. You can waste hours talking about coverages with insurance companies in your area, or you can stay home and use the internet to get the quickest rates.

Most of the best insurance companies take part in a program where insurance shoppers submit one quote, and every company can provide price quotes based on the submitted data. This prevents consumers from doing quote forms to each individual insurance company.

To find out how much you can save on insurance click here to start a free quote.

One minor caviat to getting quotes like this is you are unable to specify the insurers to get quotes from. So if you prefer to pick individual companies to request quotes from, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but try to use apples-to-apples coverages and limits on every quote you get. If your comparisons have different values for each quote it’s impossible to determine the best price for your Chevy Impala Limited.

Seven things that influence your insurance rates

Lots of things are part of the calculation when premium rates are determined. Some of the criteria are obvious such as your driving record, although others are more transparent like where you live or how financially stable you are.

  • Vocation stress can make you pay more – Jobs such as military generalsairline pilots and emergency personnel generally pay the highest rates due to intense work situations and extremely grueling work hours. On the flip side, occupations like actors, engineers and performers get better rates for Impala Limited insurance.
  • Deter theft and lower premiums – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft.
  • Save by driving less – The higher the mileage driven in a year’s time the higher your rates will be. Most insurance companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks not used for work or commuting can get a lower rate than vehicles that have high annual mileage. Improper usage on your Impala Limited may be wasting your money. It’s always a good idea to double check that your vehicle rating correctly shows the proper vehicle usage.
  • Male premiums may be higher – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that females are better at driving than males. Women and men are in auto accidents at about the same rate, but the males get into accidents with more damage. Men also statistically get cited for more serious violations like DWI (DUI) or reckless driving.
  • Teenagers are high risk – Drivers with little experience are statistically proven to be careless and easily distracted when driving and because of this, their insurance rates are much higher. More experienced drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • Low deductibles mean high costs – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Chevy from damage. Some instances where coverage would apply could be running into the backend of another car, hail damage, or theft. Comp and collision deductibles define how much you are required to spend in the event of a claim. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance for Impala Limited insurance.
  • Compare rates if you consolidate your policies – Most larger insurers will award discounts to customers who consolidate policies with them in the form of a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even with this discount applied, you still need to shop around to help guarantee you have the best rates.

Auto insurance is unique, just like you

When buying the best auto insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For example, these questions can help discover if you might need an agent’s assistance.

  • Do all my vehicles need collision coverage?
  • What are the financial responsibility laws in my state?
  • Do I need more liability coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does having multiple vehicles earn me a discount?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving in Canada or Mexico?
  • What if I owe more than I can insure my car for?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Auto insurance buyers beware

Consumers can’t ignore all the ads that promise big savings for switching from the likes of 21st Century, Allstate and State Farm. All the ads have a common claim that people will save after switching your policy.

Is it even possible that every company can give you a better price? Just pay attention to how they say it.

Most companies are able to cherry pick for the type of driver that earns them the most money. For instance, this type of insured may need to be between the ages of 40 and 55, has a low-risk occupation, and drives a car with an anti-theft system. Anybody who fits that profile will get very good premium rates as well as save if they switch.

Drivers who fall short of these standards will be quoted higher prices which translates to the customer buying from a different company. The trick companies use is to say “people who switch” not “all people who quote” can save as much as they claim. That’s why companies can make the claims of big savings. Each company has different criteria, so you really need to quote coverage with many companies. It’s just too difficult to predict which company will fit your personal profile best.

The coverage is in the details

Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverages – Collision coverage pays for damage to your Impala Limited resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, hitting a mailbox, scraping a guard rail, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like nursing services, rehabilitation expenses and doctor visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hitting a bird, a broken windshield and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages – This provides protection from damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has 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 limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as pain and suffering, emergency aid and attorney fees. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Protection from uninsured/underinsured drivers – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Impala Limited.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Shop around and save

Drivers leave their current company for any number of reasons including poor customer service, lack of trust in their agent, unfair underwriting practices and high rates after DUI convictions. It doesn’t matter what your reason, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There are many occasions where an insured dropped liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage for the lowest cost while still protecting your assets.

Budget-conscious 2016 Chevy Impala Limited insurance can be purchased online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agencies.

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