Cheaper 2013 Chevrolet Impala Insurance Rates

Looking for the cheapest insurance coverage rates for your Chevrolet Impala? Are you drained from wondering where the money will come from to make your insurance coverage payment? Your situation is no different than many other vehicle owners. Vehicle owners have so many car insurance companies to choose from, and even though it’s nice to have multiple companies, it can be more challenging to get the best deal.

It’s a good idea to price shop coverage quite often because prices are adjusted regularly by insurance companies. Even if you got the best rate for Impala coverage a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to reduce your cost while improving coverage.

How your Impala insurance costs are determined

Smart consumers have a good feel for the factors that are used to determine your car insurance rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in big savings.

  • Better prices with anti-theft devices – Driving a car with a theft deterrent system can help lower your premiums. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop vehicle theft.
  • Your age impacts your premiums – Older people are more responsible, cause fewer claims and accidents and receive fewer citations.Youthful drivers are statistically shown to be careless and easily distracted when driving with friends and because of this, their car insurance rates are much higher.
  • No coverage gaps is important – Going without insurance is a quick way to increase your renewal premiums. Not only will you pay higher rates, the inability to provide proof of insurance may result in a hefty fine and possibly a revoked license.
  • Bad credit hurts insurance prices – Having a bad credit score can be a huge factor in determining what you pay. If your credit history is lower than you’d like, you could potentially save money when insuring your 2013 Chevrolet Impala by improving your credit score. Consumers who have high credit ratings tend to file fewer claims than drivers with lower credit scores.
  • Married people drive safer – Getting married helps lower the price on your car insurance policy. Having a spouse translates into being more mature and it’s proven that married drivers get in fewer accidents.

Low cost insurance rate quotes online

Reducing your 2013 Chevy Impala insurance rates is surprisingly easy. The only thing you need to do is spend a few minutes on the computer comparing rates from online providers. This can easily be done by using one of the methods below.

  • One of the best ways to find low rates would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do multiple quote forms for every company. Filling out one form gets prices estimates from several companies.
  • A less efficient way to get comparison quotes is to manually visit each company website and repeat the quote process again and again. For example, we’ll pretend you want rates from State Farm, 21st Century and American Family. You would have to visit each site to enter your coverage information, which is why first method is reommended.

    For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make sure you are using the exact same coverage information for every company. If you enter unequal deductibles or liability limits you can’t possibly determine which rate is truly the best.

Can you really save if you switch?

Consumers can’t avoid all the ads for cheaper insurance coverage by Progressive, GEICO, Allstate and State Farm. They all seem to seem to make the promise of big savings after switching your policy.

How does each company give you a better price? This is the way they can do it.

Different companies can use profiling for a prospective insured that earns them the highest profit. For example, this type of risk profile may need to be over the age of 35, has never had a claim, and has great credit. A customer that hits that “sweet spot” gets the lowest premium rates and will most likely save when switching.

People who cannot meet those standards may be forced to pay more expensive rates with the end result being the prospect going elsewhere. The trick companies use is to say “customers that switch” not “everyone that quotes” save money. That’s the way companies can claim big savings. Because of the profiling, drivers must quote coverage with many companies. Because without a comparison, you cannot know with any certainty which company will give you lower prices than your current company.

Get lower rates by taking advantage of discounts

Some insurers don’t always publicize every possible discount in an easy-to-find place, so the list below details a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Save over 55 – Seniors may qualify for reduced rates for Impala coverage.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Impala coverage with some car insurance companies.
  • Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of at least 10% off all policies.
  • Telematics Data Discounts – Insureds who allow driving data submission to analyze driving patterns remotely such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they show good driving skills.
  • No Claims – Drivers who stay claim-free are rewarded with significantly better rates on insurance coverage quote in comparison with bad drivers.

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way. But any discount will reduce your premiums.

Large car insurance companies and their offered discounts are included below.

  • GEICO has savings for air bags, good student, multi-policy, federal employee, emergency military deployment, and defensive driver.
  • SAFECO has discounts for accident prevention training, bundle discounts, anti-theft, teen safety rewards, and teen safe driver.
  • State Farm offers discounts including defensive driving training, passive restraint, student away at school, driver’s education, multiple autos, Steer Clear safe driver discount, and good student.
  • MetLife may have discounts that include claim-free, good driver, accident-free, good student, and defensive driver.
  • 21st Century may offer discounts for driver training, student driver, defensive driver, homeowners, theft prevention, 55 and older, and teen driver.
  • Progressive policyholders can earn discounts including continuous coverage, multi-policy, multi-vehicle, online quote discount, homeowner, online signing, and good student.

When getting a coverage quote, ask every prospective company which discounts you may be entitled to. Some credits may not be offered in your area. To choose insurers that have a full spectrum of discounts, follow this link.

How much insurance do I need?

When it comes to buying the best insurance coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might point out whether you might need an agent’s assistance.

  • How can I force my company to pay a claim?
  • Where can I find high-risk insurance?
  • If my 2013 Chevy Impala is totaled, can I afford another vehicle?
  • Does liability extend to a camper or trailer?
  • Am I covered when driving a rental car?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when using my vehicle for business?
  • How high should my medical payments coverage be?
  • Do I have coverage when using my vehicle for my home business?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance coverages explained

Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, structural damage and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, damage from getting keyed, hail damage, a tree branch falling on your vehicle and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for ambulance fees, nursing services, surgery and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision coverage will pay to fix damage to your Impala resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, backing into a parked car, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Be a money saver!

We covered many tips how you can save on 2013 Chevy Impala insurance. The key thing to remember is the more companies you get premium rates for, the better your comparison will be. Drivers may discover the biggest savings come from some of the lesser-known companies. Some small companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

When you buy insurance coverage online, it’s a bad idea to skimp on coverage in order to save money. In many cases, someone dropped full coverage only to find out that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the best price and still be able to protect your assets.

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