2014 Chevrolet Impala Limited Insurance Rates

Searching for lower insurance coverage rates for your Chevrolet Impala Limited? Feel like you’re a prisoner to an expensive insurance coverage policy? Believe me when I say you’re not the only one. Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to discover the definitive lowest cost out there.

It’s a great practice to do rate comparisons at least once a year due to the fact that insurance prices change frequently. Just because you had the best rates on Impala Limited insurance a year ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the best methods to find better coverage at a better price.

Discounts for affordable insurance rates

Insuring your fleet can be pricey, but there are discounts available to help bring down the price. Some discounts apply automatically at the time you complete a quote, but a few need to be specifically requested before they will apply. If they aren’t giving you every credit you deserve, you are throwing money away.

• Own a Home – Just owning your own home can help you save on insurance due to the fact that maintaining a home demonstrates responsibility.
• Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Impala Limited insurance as compared to drivers with claims.
• Seat Belt Discounts – Forcing all vehicle occupants to use a seat belt could cut 10% or more on the premium charged for medical payments and/or PIP.
• ABS Brakes – Anti-lock brake equipped vehicles are safer to drive so you can save 10 percent or more.
• Driver Education Discount – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.
• Senior Citizen Rates – Mature drivers can get better insurance rates on Impala Limited insurance.
• Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Impala Limited insurance with a few insurance companies.
• Active Military Service – Being deployed in the military may lower your insurance rates slightly.
• Theft Prevention System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Discount for Passive Restraints – Cars that have air bags or automatic seat belts may get savings of 20% or more.

Please keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. Even though it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But all discounts will definitely reduce the amount you pay for coverage.

To locate insurance companies who offer cheap insurance quotes, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

• Is my babysitter covered when using my vehicle?
• Is my dog or cat covered if injured in an accident?
• Are my tools covered if they get stolen from my vehicle?
• Do I have newly-aquired coverage?
• What is the difference between comprehensive and collision coverage?
• What can I do if my company won’t pay a claim?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can provide invaluable advice.

Will you really save $494 on auto insurance?

Drivers can’t get away from all the ads that promise big savings for switching from the likes of Geico, State Farm and Progressive. All the ads advertise claims that you’ll save big if you switch your policy.

How is it plausible that every one can charge lower premium rates? This is how they do it.

Insurance providers have strict underwriting profiles for the driver they prefer to insure. For instance, a desirable insured could be over the age of 35, has a low-risk occupation, and has excellent credit. A propective insured that hits that “sweet spot” will get low prices and is almost guaranteed to save money with a new company.

Potential insureds who fall short of this stringent profile must pay more expensive rates which leads to the customer not buying. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” save that much. This is how insurance companies can confidently lure you into getting a quote. Each company has different criteria, so you absolutely need to get price quotes at each policy renewal. Because you never know which insurance companies will have the best rates for your profile.

Auto insurance coverages 101

Knowing the specifics of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages available from auto insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for X-ray expenses, chiropractic care and hospital visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, rock chips in glass, a tree branch falling on your vehicle, hitting a bird and a broken windshield. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance

This can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like structural damage, repair costs for stationary objects, medical services and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2014 Chevy Impala Limited.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

Collision insurance pays for damage to your Impala Limited caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, hitting a mailbox, driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Coverage on a shoestring budget

You just learned some good ideas how you can lower your 2014 Chevy Impala Limited insurance prices. The key concept to understand is the more you quote auto insurance, the better chance you’ll have of finding cheaper auto insurance. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

When shopping online for insurance, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find at the best possible price, but don’t skip important coverages to save money.

More detailed insurance information is located by following these links:

• Insurance Losses by Make and Model (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)