View 2014 Chevrolet Impala Insurance Quotes

Have you fallen victim to an underperforming, overpriced auto insurance policy? Believe me, you’re not alone. Since drivers have many choices of insurance companies, it is very difficult to choose the lowest price auto insurance provider.

Buying car insurance is not that difficult. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these tips. Drivers just need to know the most effective way to compare prices online.

Save money with these tips

Multiple criteria are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, although some other factors are not quite as obvious like where you live or your vehicle rating.Part of the auto insurance buying process is learning some of the factors that come into play when calculating your policy premiums. If you know what controls the rates you pay, this empowers consumers to make smart changes that can help you get cheaper rates.

• Youthful drivers are expensive to insure – Young drivers are known to be less responsible when driving and because of this, their auto insurance rates are much higher. Adding a inexperienced driver to your policy can be very expensive. More experienced drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
• Why do you need liability? – A critical coverage on your policy, liability insurance kicks in when you are found to be at fault for an accident. Liability provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
• High claims frequency drives up prices – If you’re an insured who likes to file claims you can expect much higher rates or policy non-renewal. Car insurance companies generally give cheaper rates to insureds who are claim-free. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
• Bad drivers pay high prices – Good drivers tend to pay less for car insurance as compared to careless drivers. Only having one chargable violation may increase your cost by as much as twenty percent. Drivers who have received severe violations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
• Additional coverages that may be costing you – Insurance companies have many optional add-on coverages that you can buy if you aren’t diligent. Coverage for things like personal injury protection, high-cost glass coverage, and membership fees are examples of these. They may seem like a good idea at first, but if you have no use for them consider taking them off your policy.
• Maintain auto insurance coverage – Allowing your coverage to lapse will be a quick way to trigger a rate increase. Not only will rates go up, the inability to provide proof of insurance may earn you fines and jail time.

How to get free auto insurance quotes online

There are several ways to compare auto insurance prices but there is one way that is more efficient than others. You can waste a lot of time discussing policy coverages with agents in your area, or you could use online quotes for quick rates.

The majority of car insurance companies belong to an insurance system where prospective buyers complete one form, and every company then gives them pricing based on that data. This eliminates the need for form submissions for every auto insurance company.

To find out how much you can save on auto insurance click here (opens in new window).

The one downside to pricing coverage this way is you don’t know exactly the insurers to receive prices from. So if you want to choose specific insurance companies to compare prices, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

Whichever way you choose to compare rates, make sure you are using the same deductibles and coverage limits on every price quote you get. If your comparisons have different coverage information it will be next to impossible to get a fair rate comparison.

Insurance advertising tricks

Consumers can’t ignore all the ads that claim the best premium rates from the likes of Allstate and Progressive. They all convey the message that people will save if you just switch your car insurance coverage to their company.

That’s great but how can every company sell you cheaper insurance coverage? It’s all in the words they use.

Different companies have strict underwriting profiles for the type of driver that will generate a profit. A good example of a preferred risk might have to be between the ages of 40 and 55, carries high limits, and drives less than 5,000 miles a year. A customer who matches those parameters will qualify for the lowest prices and have a good chance to save a lot if they switch.

Consumers who don’t meet the ideal profile will be quoted higher prices and the driver buying from a lower-cost company. The ads say “drivers that switch” not “everybody who quotes” save the amount stated. This is how insurance companies can lure you into getting a quote. Different companies use different criteria so you absolutely need to quote coverage with many companies. Because you never know which insurance companies will fit your personal profile best.

Cheaper rates with these discounts

Companies offering auto insurance don’t always advertise every policy discount in a way that’s easy to find, so the next list breaks down a few of the more common as well as the least known savings tricks you should be using when you buy insurance coverage online.

• Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
• New Vehicle Savings – Buying a new car model can get you a discount because new model year vehicles have to meet stringent safety requirements.
• Own a Home – Owning your own home or condo may earn you a small savings because it requires a higher level of personal finance.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
• Low Mileage – Low annual miles could be rewarded with discounted rates on garaged vehicles.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt could save 15% off the personal injury premium cost.
• Driver Training Discounts – Taking time to complete a course in safe driver may get you a small discount and easily recoup the cost of the course.
• Online Discount – Many insurance companies provide a small discount for buying your policy on the web.

As a sidenote, some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

The best insurance coverage companies and a selection of discounts are shown below.

• State Farm may offer discounts for multiple autos, safe vehicle, accident-free, student away at school, driver’s education, and Drive Safe & Save.
• American Family discounts include TimeAway discount, mySafetyValet, good student, accident-free, good driver, early bird, and Steer into Savings.
• AAA has savings for good student, good driver, multi-car, anti-theft, multi-policy, and AAA membership discount.
• Geico may have discounts that include anti-theft, seat belt use, federal employee, emergency military deployment, military active duty, and air bags.
• Mercury Insurance offers premium reductions for ease of repair, professional/association, good student, multi-car, annual mileage, accident-free, and type of vehicle.
• Farmers Insurance policyholders can earn discounts including distant student, teen driver, pay in full, bundle discounts, and good student.
• Progressive may include discounts for homeowner, multi-policy, multi-vehicle, continuous coverage, and online quote discount.

Before buying, ask all companies you are considering how many discounts you can get. All car insurance discounts may not apply to policyholders in your state.

Insurance coverage can be complex

When choosing the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions could help you determine whether or not you might need an agent’s assistance.

• Is business equipment covered while in my vehicle?
• Am I covered when driving a rental car?
• Can I still get insurance after a DUI?
• Do I get a pro-rated refund if I cancel my policy early?
• Is my Chevy Impala covered if I use it for business?
• Can my teen driver be rated on a liability-only vehicle?
• Do I need an umbrella policy?
• Does coverage extend to a rental car in a foreign country?
• When do I need to add a new car to my policy?
• Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this 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 coverage information

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, a broken windshield and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – Collision insurance pays for damage to your Impala resulting from colliding with another vehicle or an object, but not an animal. 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 crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Auto liability – Liability coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things such as legal defense fees, medical services, repair bills for other people’s vehicles, court costs and loss of income. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for nursing services, funeral costs, rehabilitation expenses, chiropractic care and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2014 Chevy Impala.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Final considerations

Some insurance companies don’t offer rate quotes online and many times these smaller companies only sell coverage through independent insurance agents. Cheaper 2014 Chevy Impala insurance can be purchased on the web as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money.

As you quote insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where an insured dropped physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.

Much more information about car insurance is available below:

• Auto Insurance FAQ (Farmers Insurance)
• Airbag FAQ (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)