2014 Chevrolet Impala Car Insurance Rates – 7 Ideas for Best Quotes

Are you overwhelmed by the crazy number of insurance company choices? Lot’s of other consumers are too. People have so many options that it can be a lot of work to find better rates.

You should make it a habit to price shop coverage yearly since insurance rates change frequently. If you had the lowest price for Impala insurance a year ago a different company probably has better rates today. There is a lot of bad advice regarding insurance on the internet, so with this article, you’re going to get some great ideas on how to reduce your insurance bill.

If you have car insurance now, you stand a good chance to be able to save some money using these methods. Buying the lowest cost insurance coverage coverage can be fairly easy. Although consumers need to have an understanding of the way companies determine prices.

Where Can I Get Cheap Car Insurance?

Performing a rate comparison can be challenging if you don’t know the easiest way. You can waste hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many companies belong to an insurance system where insurance shoppers submit one quote, and at least one company then returns a price quote based on that information. This saves time by eliminating repetitive form submissions for each company. To use this form to compare 2014 Chevy Impala insurance rates click here to start a free quote.

The single downside to doing it this way is that you can’t choose which companies you will receive quotes from. So if you prefer to choose specific providers to receive pricing from, we put together a list of car insurance companies in your area. Click here to view list.

However you get your quotes, make darn sure you compare identical deductibles and coverage limits on every quote. If each company quotes different deductibles it will be very difficult to determine which rate is truly the best. Slightly different limits could mean much higher rates. It’s important to know that having more price comparisons helps locate the best price.

Drivers who switch save $481 a year? Really?

Companies like State Farm, GEICO and Progressive regularly use ads on television and other media. All the ads make the same claim that you can save if you move to their company. But how can every company make the same claim? This is how they do it.

Different companies are able to cherry pick for the type of customer they prefer to insure. For instance, a profitable customer might be profiled as over the age of 50, has no prior claims, and drives less than 10,000 miles a year. Any new insured who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Consumers who don’t measure up to the requirements will be charged more money and this can result in the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save that much. That is how companies can make those claims. That is why you should compare as many rates as you can. It’s not possible to predict which insurance companies will provide you with the cheapest Chevy Impala insurance rates.

Are you getting all your discounts?

Companies offering auto insurance don’t list all their discounts very clearly, so we researched both the well known and the more hidden savings tricks you should be using.

  • Own a Home – Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in school.
  • Memberships – Belonging to a civic or occupational organization may earn a discount when buying insurance coverage for Impala insurance.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • No Claims – Good drivers with no accidents can save substantially when compared to drivers who are more careless.

Keep in mind that many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think you could get a free insurance coverage policy, you won’t be that lucky.

To see a list of companies who offer insurance coverage discounts, click here to view.

When might I need an agent?

When it comes to buying coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • How much liability coverage do I need in my state?
  • Should I have combined single limit or split liability limits?
  • Is my ex-spouse still covered by my policy?
  • Can my babysitter drive my car?
  • Does insurance cover tools stolen from my truck?
  • How much liability do I need to cover my assets?
  • What is high-risk coverage and where do I buy it?
  • Am I getting all the discounts available?
  • Should I buy additional glass protection?
  • How does medical payments coverage work?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

Auto insurance coverages

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as hospital visits, ambulance fees, dental work and chiropractic care. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability coverage

Liability insurance can cover damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like loss of income, structural damage, medical expenses and emergency aid. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy Impala.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

Collision coverage will pay to fix damage to your Impala resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, crashing into a building, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

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

Comprehensive insurance covers claims like hitting a bird, a tree branch falling on your vehicle and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

A penny saved is a penny earned

Consumers leave their current company for many reasons like high prices, delays in responding to claim requests, lack of trust in their agent and questionable increases in premium. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

While you’re price shopping online, you should never reduce needed coverages to save money. There have been many cases where an insured dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

Lower-priced 2014 Chevy Impala insurance is attainable online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.

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