Save on 2014 Chevrolet Impala Limited Insurance Quotes

Nobody I know cherishes buying insurance, especially knowing their premiums are through the roof. Insurance companies such as Allstate, Progressive and GEICO promote their brand names with TV and radio ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

You should make it a habit to check insurance prices once or twice a year because rates trend upward over time. Just because you had the best deal on Impala Limited coverage on your last policy there is a good chance you can find better rates now. So ignore everything you know about insurance because you’re going to learn the only way to find better rates and still maintain coverage.

If you are insured now or are just looking to switch companies, you can use these techniques to find the best rates and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to understand the most efficient way to compare price quotes on the web.

How to Compare Car Insurance Quotes

All major car insurance companies allow you to get price estimates directly from their websites. Getting quotes is quite easy as you simply enter your personal and coverage information as detailed in the form. When the form is submitted, the company’s rating system obtains credit information and your driving record and quotes a price based on many factors. This simplifies rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms can be a bit repetitive. But it’s very important to perform this step if you are searching for the lowest price.

A less time-consuming method to lower your rates requires only one form that obtains quotes from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes rate comparisons a little more enjoyable. Immediately after submitting the form, it gets priced and you are able to buy your choice of the quotes returned.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process takes 15 minutes at the most and can result in significant savings.

To compare rates now, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you input the coverages identical to your current policy. This guarantees you’re receiving rate quotes for exact coverage.

Don’t listen to company ads

Consumers constantly see and hear ads for cheaper car insurance by Progressive, Allstate and GEICO. They all seem to make an identical promise of big savings after switching to their company.

How can each company make almost identical claims?

Different companies have a preferred profile for the driver that earns them a profit. A good example of a profitable customer might be a mature driver, has no tickets, and drives less than 10,000 miles a year. A propective insured who fits that profile will get the preferred rates and is almost guaranteed to save a lot of money.

Potential insureds who do not match the “perfect” profile will be quoted higher prices which leads to business not being written. The ads say “drivers who switch” not “everyone that quotes” save that much. That’s why companies can truthfully make the claims of big savings.

This emphasizes why it’s extremely important to get a wide range of price quotes. Because you never know which insurance companies will provide you with the cheapest Chevy Impala Limited insurance rates.

Chevy Impala Limited insurance rates consist of many parts

Consumers need to have an understanding of the rating factors that go into determining insurance rates. Understanding what impacts premium levels enables informed choices that will entitle you to lower insurance prices.

Listed below are a partial list of the pieces insurance companies consider when setting prices.

  • Better crash test results mean better rates – Safer cars can get you lower premiums. These vehicles protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If the Chevy Impala Limited has ratings of a minimum four stars on or an “acceptable” rating on it may be receiving lower rates.
  • Traffic citations inflate rates – Your driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Even one ticket can bump up the cost forty percent or more. Drivers who get flagrant violations like DUI or reckless driving may be required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Men fork out a little more – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Men and women are in accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as reckless driving.
  • How credit affects insurance rates – Having a bad credit score is a large factor in calculating your insurance rates. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower credit scores. Therefore, if your credit rating is low, you could pay less to insure your 2014 Chevrolet Impala Limited by repairing your credit.
  • Marriage pays dividends – Having a wife or husband helps lower the price on insurance. Having a significant other is viewed as being more mature and statistics show drivers who are married are more cautious.
  • Your location affects your rates – Being located in small towns and rural areas can save you money when buying insurance. Drivers in populated areas tend to have traffic congestion and much longer commute distances. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.

How to reduce 2014 Chevy Impala Limited insurance rates

Insuring your fleet can be pricey, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be specially asked for before they will apply. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Paperwork-free – A handful of insurance companies may give you up to $50 for buying a policy and signing up on their website.
  • Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Low Mileage Discounts – Fewer annual miles on your Chevy can earn discounted rates on garaged vehicles.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiration. It can save you around 10%.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of approximately 10% to 15%.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.

Keep in mind that most credits do not apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount will help reduce your overall premium however.

A partial list of companies that possibly offer these benefits may include but are not limited to:

Double check with all companies you are considering which discounts they offer. Discounts might not apply in every state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

  • Should I buy additional glass protection?
  • Will I lose any money if I cancel my policy before it expires?
  • What is an SR-22 filing?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need motorclub coverage?
  • Where can I get insurance after a DUI in my state?
  • How much liability coverage do I need in my state?
  • Am I covered if I hit a deer?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Car insurance policy specifics

Knowing the specifics of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by car insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, a broken windshield, damage from flooding, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance – Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to $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. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

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

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for rehabilitation expenses, ambulance fees, X-ray expenses and pain medications. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance covers damage to your Impala Limited from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Stretch your dollar

We covered many ways to save on 2014 Chevy Impala Limited insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest priced insurance comes from some of the smallest insurance companies. They often have lower prices on specific markets as compared to the big name companies such as GEICO and State Farm.

Cost effective insurance can be purchased from both online companies as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. In many cases, an insured dropped physical damage coverage and found out when filing a claim that they should have had better coverage. Your aim should be to buy the best coverage you can find at an affordable rate.

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