2013 Chevrolet Impala Car Insurance Cost – 10 Tips for Cheapest Prices

Trying to find the cheapest insurance rates for your Chevrolet Impala? Saving money on insurance can be a challenge for consumers not familiar with shopping for insurance online. You have so many companies to choose from that it can quickly become more work than you anticipated to find lower rates.

Buying car insurance is quite easy. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Nevertheless, car owners can benefit by having an understanding of the methods companies use to market on the web because it can help you find the best coverage.

Compare the Market for Insurance Coverage

There are a lot of ways you can shop for insurance coverage but some are more efficient than others. You can spend your afternoon talking to insurance companies in your area, or you can utilize the internet for quick rates.

Many companies participate in an industry program where prospective buyers enter their coverage request one time, and each company can give them a price for coverage. This prevents consumers from doing quotation requests to each individual insurance coverage company.

To compare 2013 Chevy Impala rates now click here (opens in new window).

One minor caviat to doing it this way is you can’t choose which insurance companies you want pricing from. If you prefer to choose specific insurance companies for rate comparison, we have a page of low cost insurance coverage companies in your area. Click to view list.

Whichever way you use, ensure you are comparing apples-to-apples information on every quote. If you enter different limits and deductibles on each one it’s impossible to make an equal comparison. Having just a slight variation in coverages could mean much higher rates. And when quoting insurance coverage, remember that comparing a large number of companies helps you find the best price.

Take advantage of discounts

Companies that sell car insurance don’t always publicize all available discounts very well, so the following is a list of both well-publicized as well as the least known discounts you could be receiving.

  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Drivers Education – Require your teen driver to complete a driver education course if it’s offered in school.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • 55 and Retired – Mature drivers may qualify for a small decrease in premiums for Impala coverage.
  • One Accident Forgiven – A few companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could be rewarded with lower rates on the low mileage vehicles.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies that may offer some of the above discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Some discounts may not be available in your area.

How to know if you need help

When buying the right insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether or not you may require specific advice.

  • Am I missing any policy discounts?
  • What is an SR-22 filing?
  • Do I need motorclub coverage?
  • Should I waive the damage coverage when renting a car?
  • Are there companies who specialize in insuring high-risk drivers?
  • What companies insure drivers after a DUI or DWI?
  • Does liability extend to a camper or trailer?
  • When should I drop full coverage on my 2013 Chevy Impala?
  • What can I do if my company won’t pay a claim?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Insurance ads bend the truth

Companies like Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. All the ads make the same claim of big savings after switching your coverage to them. How does each company make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the type of driver that is profitable for them. A good example of a desirable insured might be profiled as between 30 and 50, has no driving citations, and drives less than 7,500 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don’t meet this ideal profile must pay a more expensive rate and this can result in business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save money. That’s why companies can advertise the way they do. This illustrates why it is so important to get as many comparisons as possible. It’s impossible to know which company will have the lowest Chevy Impala insurance rates.

Parts of your insurance policy

Knowing the specifics of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2013 Chevy Impala.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

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 then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, hail damage and falling objects. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

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

Collision coverage protects against things such as scraping a guard rail, colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, funeral costs and EMT expenses. 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 both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability coverages

Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, pain and suffering and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

What is YOUR best insurance company?

People change insurance companies for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, high prices or even being labeled a high risk driver. Regardless of your reason for switching companies, switching companies can be less work than you think.

Affordable 2013 Chevy Impala insurance can be purchased both online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

We’ve covered a lot of ways to lower your insurance rates. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on auto insurance is with a small local company.

More detailed auto insurance information can be read in these articles: