2016 Chevrolet Impala Car Insurance Cost

Want lower car insurance rates for your Chevrolet Impala? If you’re trying to find cheaper insurance, do you get overwhelmed by the number of car insurance providers in your area? There are such a vast assortment of providers available that it can be a difficult situation to find the best car insurance rates.

It is always a good idea to get comparison quotes periodically because car insurance prices tend to go up over time. Despite the fact that you may have had the lowest rate for Impala insurance last year you will most likely find a better premium rate today. Ignore everything you know about car insurance because you’re going to learn the quickest way to save on car insurance.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. This article will help you learn how to get online quotes and some money-saving tips. But consumers must learn the methods companies use to compete online and take advantage of how the system works.

Discounts can really help lower premiums

Insuring your fleet can be pricey, but companies offer discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you get a quote, but some may not be applied and must be specifically requested before being credited. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.

• Fewer Miles Equal More Savings – Driving fewer miles may allow you to get better premium rates on cars that stay parked.
• Telematics Discount – Insureds who allow driving data collection to track driving patterns by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they are good drivers.
• E-sign Discounts
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
• Discount for Home Ownership – Owning your own home or condo may trigger a policy discount on insurance because owning a home requires personal responsibility.

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

To see a list of insurance companies who offer online insurance quotes, click here to view.

Chevy Impala insurance price factors

Multiple criteria are used when pricing auto insurance. Some are pretty understandable like your driving record, but others are more transparent like your vehicle usage and annual miles driven.When buying insurance it’s important to understand some of the factors that aid in calculating the price you pay for insurance. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that may result in lower premium levels.

• Raise coverage deductibles and save – The deductibles you choose define the amount you are willing to pay before your insurance pays a claim. Physical damage protection, also called ‘full coverage’, covers damage that occurs to your car. A few examples of covered claims are a windshield broken by a bird, animal collisions, and damage caused by road hazards. The more expense you have to pay, the better rate you will receive for Impala insurance.
• How much liability coverage – Liability coverage will afford coverage in the event that you are found to be at fault for personal injury or accident damage. Liability insurance provides you with a defense in court to defend your case. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not skimp.
• Rural vs Urban Areas – Having an address in less populated areas of the country has definite advantages when shopping for auto insurance. Fewer drivers and short commutes translates into fewer accident claims in addition to lower liability claims City drivers have more road rage incidents and higher rates of accident claims. More time commuting statistically corresponds to a higher accident and claim rate.
• Females tend to cost less – Over the last 30 years, statistics show females are less aggressive when driving. However, don’t assume that females are better at driving than males. Males and females have auto accidents at a similar rate, but the males tend to have higher claims. Not only that, but men also get cited for more serious violations such as DWI and reckless driving. Young males have the highest risk to insure and therefore pay the highest rates.
• Poor credit rating equals high rates – Having a bad credit history is a large factor in calculating your insurance rates. Consumers who have high credit scores tend to be more responsible and file fewer claims than drivers who have lower credit ratings. If your credit leaves room for improvement, you could be paying less to insure your 2016 Chevrolet Impala by repairing your credit.
• If you don’t need it don’t buy it – There are quite a few optional add-on coverages that you can buy if you aren’t careful. Insurance for things like rental car coverage, better glass coverage, and motor club memberships may not be needed and are just wasting money. These coverages may sound good when talking to your agent, but if you have no use for them remove them and pocket the money.

Will just any policy work for me?

When choosing adequate coverage, there really is not a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

• What is high-risk coverage and where do I buy it?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is pleasure use cheaper than using my 2016 Chevy Impala to commute?
• Exactly who is provided coverage by my policy?
• Can I rate high risk drivers on liability-only vehicles?
• What if I total my 2016 Chevy Impala and owe more than it’s worth?
• Should I buy only the required minimum liability coverage?
• Are split liability limits better than a combined single limit?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverages for a 2016 Chevy Impala

Learning about specific coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Impala.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, damage from a tornado or hurricane, falling objects, hail damage and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like prosthetic devices, doctor visits, EMT expenses, chiropractic care and hospital visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability coverage

This can cover damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair costs for stationary objects, loss of income and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, scraping a guard rail, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Save for a rainy day

Throughout this article, we presented a lot of ways to save on 2016 Chevy Impala insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding low cost insurance coverage. You may even discover the best price on insurance is with some of the smallest insurance companies.

When you buy insurance coverage online, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where someone sacrificed liability coverage limits only to discover later that it was a big mistake. The proper strategy is to find the BEST coverage at the best cost, not the least amount of coverage.

Some insurance providers may not provide price quotes online and many times these small insurance companies sell through independent insurance agents. Cost effective 2016 Chevy Impala insurance can be bought from both online companies as well as from independent agents, and you need to price shop both so you have a total pricing picture.

Additional information can be found on the following sites:

• Frontal Crash Tests (iihs.org)
• What is Full Coverage? (Allstate)
• Event Data Recorders FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)