2014 Chevrolet Impala Insurance Quotes

Want cheaper car insurance rates for your Chevrolet Impala? I can’t think of anyone who is fond of buying car insurance, especially knowing the price is too high.

Due to the increasing number of companies to choose from, it’s difficult to find a more affordable insurer.

Buying car insurance is not rocket science. Just about anyone who carries auto insurance will more than likely be able to lower their premiums. Nevertheless, drivers must comprehend the way insurance companies market insurance on the web.

Insurance coverage policy discounts you can’t miss

Auto insurance companies do not advertise every discount they offer very clearly, so the following list contains a few of the more common and also the lesser-known discounts that you can inquire about if you buy car insurance online. If you check and find you aren’t receiving every discount you qualify for, you are just wasting money.

  • Homeowners Discount – Owning a home can help you save on insurance coverage because maintaining a house means you have a higher level of financial diligence.
  • Use Seat Belts – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • First Accident Forgiveness – Not necessarily a discount, but certain companies will let one accident slide without the usual rate increase with the catch being you have to be claim-free before the accident.
  • Data Collection Discounts – Drivers who agree to allow driving data submission to look at where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they exhibit good driving behavior.
  • Organization Discounts – Being in certain professional organizations can get you a small discount when getting a car insurance quote.
  • New Car Discount – Adding a new car to your policy can get you a discount since new vehicles have better safety ratings.
  • Switch and Save Discount – Some insurance coverage companies reward drivers for switching companies prior to your current policy expiration. Ten percent is about the average savings.
  • Theft Prevention Discount – Cars and trucks that have factory anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Bundled Policy Discount – If you combine your home and auto policies and insure them both with the same insurance company you may save 10% to 20% off each policy.

One thing to note about discounts is that most discount credits are not given to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

To choose insurance companies that have a full spectrum of discounts, follow this link.

Informed consumers can lower insurance rates

Many factors are considered when you get a price on insurance. Some factors are common sense such as your driving record, although others are more obscure such as your credit history or your commute time.The best way to find cheaper auto insurance is to take a look at the different types of things that help determine your auto insurance rates. If you have some idea of what controls the rates you pay, this empowers consumers to make smart changes that can earn you lower rates.

  • What are your physical damage deductibles? – Physical damage protection, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. A few examples of covered claims would be colliding with a building, hitting a deer, and damage from a fallen tree branch. The deductibles define how much you are willing to pay out-of-pocket if a covered claim is submitted. The more damage repair cost you pay before a claim is paid (deductible), the less your auto insurance will be on Impala insurance.
  • Too many auto insurance claims and you’ll pay more – Car insurance companies provide cheaper rates to people who are claim-free. If you’re an insured who likes to file claims you can definitely plan on much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Where you reside plays a part – Residing in small towns and rural areas has definite advantages when trying to find low car insurance rates. Fewer drivers and short commutes means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated areas have more traffic problems and longer commutes to work. More time commuting means higher likelihood of an accident.
  • Save money with GPS tracking and theft deterrents – Buying a car with an alarm system can save you a little every year. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft.

Insurance agents can help

When choosing the best car insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For instance, these questions can aid in determining if your situation could use an agent’s help.

  • What should my uninsured motorist coverage limits be in my state?
  • What is high-risk coverage and where do I buy it?
  • How much liability coverage do I need in my state?
  • When can I cancel my policy?
  • Who is covered when they drive my 2014 Chevy Impala?
  • Can I make deliveries for my home business?
  • Is my teen driver covered when they drive my company car?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Learn about car insurance coverages for a Chevy Impala

Having a good grasp of your car insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.

Liability car insurance

This provides protection from damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like structural damage, repair bills for other people’s vehicles, bail bonds and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses for nursing services, hospital visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 2014 Chevy Impala.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, a tree branch falling on your vehicle, hitting a deer, damage from a tornado or hurricane and hail damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, backing into a parked car, colliding with a tree, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

A penny saved is a penny earned

Cheap 2014 Chevy Impala insurance is possible online and from local insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance providers may not offer price quotes online and many times these smaller providers work with local independent agents.

We’ve covered a lot of techniques to shop for 2014 Chevy Impala insurance online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest priced insurance coverage comes from some of the lesser-known companies. They can often provide lower rates in certain areas than the large multi-state companies such as Progressive and GEICO.

When searching for affordable car insurance quotes, never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the best price.

Much more information about insurance coverage can be found on the following sites: