2013 Chevrolet Impala Insurance Rates – 6 Tips for Cheaper Quotes

Keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you aren’t that lucky. But all discounts will definitely lower your policy premiums.

Some companies that possibly offer many of the previously listed discounts possibly include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

Before you buy a policy, ask every insurance company which discounts you may be entitled to. Discounts may not apply to policyholders in every state. To find providers with discount rates, click this link.

First Step: Get free car insurance quotes

Comparing car insurance rates can take hours if you don’t utilize the most efficient way. You could waste a few hours driving to local insurance agents in your area, or you can utilize the web to achieve your goal.

Many companies belong to a marketplace where insurance shoppers submit their information once, and at least one company can provide price quotes based on the submitted data. This system prevents you from having to do quotation requests to each company.

To find out what other companies charge click here to start a free quote.

The only downside to using this type of system is you don’t know exactly which insurance companies you will receive quotes from. If you wish to select individual companies to compare rates, we have a page of low cost car insurance companies in your area. Click to view list.

Which method you use is up to you, but be certain you are entering identical deductibles and coverage limits for every quote you compare. If you are comparing different liability limits then you won’t be able to find the best deal for your Chevy Impala. Having just a slight variation in coverages can make a big difference in price. And when comparison shopping, comparing all the rates in your area helps increase your odds of locating more affordable rates. Not every company does prices over the internet, so you also need to get prices from the smaller companies as well.

Tailor your insurance coverage coverage to you

When buying adequate coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions could help you determine if you may require specific advice.

• Is my nanny covered when driving my vehicle?
• What is the ISO rating for a 2013 Chevy Impala?
• Will my insurance pay for OEM parts?
• What if I owe more than I can insure my car for?
• How high should my uninsured/underinsured coverage be in my state?
• What is the minimum liability in my state?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverage information

Learning about specific coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average car insurance policy.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other’s property or people. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as attorney fees, medical expenses and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Impala.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for things like chiropractic care, hospital visits, EMT expenses and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This pays for damage to your Impala caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, driving through your garage door, sideswiping another vehicle, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance covers 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 coverage protects against claims like hail damage, damage from a tornado or hurricane and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Quote more, save more

We’ve covered some good ideas how you can get a better price on 2013 Chevy Impala insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your car insurance rates. You may even find the lowest rates are with a smaller regional carrier. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Cost effective 2013 Chevy Impala insurance is available on the web and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who don’t offer internet price quotes and these regional insurance providers provide coverage only through independent agents.

When getting auto insurance quotes online, don’t be tempted to reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to find the BEST coverage for the lowest price.

Additional auto insurance information is located below:

• Older Drivers FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)