How Much Does 2017 Chevrolet Impala Insurance Cost?

Did budget coverage turn out to be an underperforming, overpriced car insurance policy? Believe me, you are not the only one feeling buyer’s remorse. Lots of insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute cheapest price

It’s a good habit to get comparison quotes every six months because prices change regularly. Even if you got the best rates on Impala insurance last year there is a good chance you can find better rate quotes now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to find better coverage at a better price.

If you have a policy now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to know the tricks to buy auto insurance online.

Compare quotes for insurance

Effectively comparing insurance prices can be exhausting if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) talking to insurance agencies in your area, or you could save time and use the web to achieve your goal.

All the larger companies take part in a program that enables customers to send in one quote, and every company can give them a price based on the submitted data. This eliminates the need for quotation requests for each company.

To find out what other companies charge click here to open in new window.

The only downside to using this type of system is that you can’t choose which providers to get quotes from. If you prefer to choose individual companies to compare rates, we have a page of the cheapest insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just double check that you are using apples-to-apples deductibles and coverage limits on every price quote you get. If you have unequal deductibles or liability limits then you won’t be able to make an equal comparison.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might point out whether you will benefit from professional help.

  • What is no-fault insurance?
  • Should I carry comprehensive and collision coverage?
  • Am I getting all the discounts available?
  • Can I rent a car in Mexico?
  • Is my babysitter covered when using my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses like pain medications, dental work, prosthetic devices and hospital visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy Impala.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Auto liability insurance – This provides protection from damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like court costs, loss of income, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your Impala resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverages – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a deer and vandalism. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.