How Much Does 2016 Chevrolet Impala Insurance Cost?

Are you a victim of an underperforming, overpriced auto insurance policy? Trust us, there are many drivers thinking the same thing.

Vehicle owners have so many car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, it makes it harder to adequately compare rates.

Buying car insurance is quite easy. If you currently have car insurance, you should be able to save some money using these techniques. But consumers do need to know the way insurance companies price insurance differently because it can help you find the best coverage.

How much is insurance?

To find the cheapest insurance coverage quotes, there are several ways to compare rate quotes from insurance companies in your area. The best way to find cheaper 2016 Chevy Impala rates is to use the internet to compare rates. This is quite simple and can be completed using a couple different methods.

The most efficient way to get quotes is to use a rate comparison form click here to open form in new window. This form saves time by eliminating repetitive form entry for every insurance company. Taking the time to complete one form gets insurance cost estimates from multiple companies.

A more difficult way to find lower rates requires a visit to the website for each individual company to complete their respective quote request forms. For instance, let’s assume you are doing a rate comparison from GEICO, Esurance and Progressive. You would be required to spend time going to each site individually and repeatedly type in your coverage information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

Which method you use is up to you, but ensure you’re using apples-to-apples coverage data with each company. If you compare different liability limits you will not be able to determine which rate is truly the best. Even a minor difference in insurance coverages can result in a big premium difference. Just remember that quoting more will improve the odds of getting the best rates.

Discount auto insurance quotes

Some companies don’t list all disounts very well, so we took the time to find a few of the more common and the more hidden auto insurance savings.

  • Accident Waiver – This one isn’t a discount, but a few companies such as Libery Mutual, GEICO and Allstate allow you one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
  • Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of at least 10% off all policies.
  • Defensive Driver – Taking time to complete a course in defensive driving may get you a small discount and also improve your driving technique.
  • Paperwork-free – A handful of larger companies will provide an incentive for buying your policy on their website.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
  • Telematics Data – Drivers who agree to allow companies to scrutinize their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as the data is positive.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few popular companies and a summarized list of policyholder discounts are detailed below.

  • The Hartford offers discounts including driver training, vehicle fuel type, defensive driver, good student, and bundle.
  • American Family may include discounts for good student, early bird, bundled insurance, good driver, multi-vehicle, mySafetyValet, and TimeAway discount.
  • Progressive includes discounts for multi-vehicle, online signing, homeowner, continuous coverage, and multi-policy.
  • Travelers offers discounts for IntelliDrive, payment discounts, early quote, continuous insurance, and hybrid/electric vehicle.
  • Farmers Insurance policyholders can earn discounts including homeowner, pay in full, good student, electronic funds transfer, bundle discounts, multi-car, and switch companies.
  • USAA may offer discounts for new vehicle, good student, multi-vehicle, military installation, driver training, and annual mileage.
  • Liberty Mutual has discounts for safety features, new vehicle discount, exclusive group savings, new graduate, new move discount, good student, and preferred payment discount.

If you need lower rates, check with each insurance company which discounts they offer. All car insurance discounts may not be offered everywhere. To see a list of auto insurance companies who offer cheap auto insurance quotes, click here to view.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions might help in determining if your insurance needs might need an agent’s assistance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I buy only the required minimum liability coverage?
  • Do I really need UM/UIM coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my teen driver covered when they drive my company car?
  • How can I force my company to pay a claim?
  • What is roadside assistance coverage?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

The Chevy Impala insurance price equation

Lots of things are used when quoting car insurance. A few of the factors are predictable like your driving record, but other factors are more obscure like where you live or your vehicle rating.An important part of buying insurance is that you know the rating factors that are used to determine your premiums. If you understand what influences your rates, this allows you to make educated decisions that can help you get big savings.

The factors shown below are a partial list of the pieces used by companies to determine your rates.

  • Five star IIHS safety rating saves money – Vehicles with good safety scores tend to have better insurance rates. Vehicles built for safety have better occupant injury protection and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Chevy Impala is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Males pay higher premiums – Over the last 30 years, statistics show females are less aggressive when driving. It does not mean men are WORSE drivers than women. Both sexes are in at-fault accidents in similar numbers, but males have accidents that have higher claims. They also get more serious tickets like driving under the influence (DUI).
  • Prevent theft and reduce premiums – Choosing to buy a car with a theft deterrent system can help lower your premiums. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft and help lower rates.
  • Avoid tickets and save – Your driving record influences premium rates substantially. Good drivers tend to pay less for car insurance than their less careful counterparts. Having a single citation may increase your cost forty percent or more. Drivers who get careless violations like reckless driving, hit and run or driving under the influence may find that they have to to maintain a SR-22 with their state motor vehicle department in order to keep their license.
  • Occupation stress can make you pay more – Did you know your job can affect your rates? Careers like judges, social workers and emergency personnel have higher rates than the rest of us in part from intense work-related stress and extremely grueling work hours. Other careers such as professors, students and retirees generally pay rates lower than average for Impala coverage.
  • Age of drivers – Older insureds are viewed as being more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.Teen drivers are statistically shown to be inattentive and easily distracted in a vehicle and because of this, their car insurance rates are much higher.

Insurance coverage breakdown

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Liability insurance – This will cover damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as pain and suffering, funeral expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as surgery, funeral costs and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, hail damage and theft. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Chevy Impala.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – This coverage covers damage to your Impala 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 can pay for things such as backing into a parked car, sustaining damage from a pot hole, driving through your garage door, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Save your hard earned cash

Cheap 2016 Chevy Impala insurance is attainable on the web in addition to many insurance agents, so you need to shop insurance coverage with both so you have a total pricing picture. Some insurance companies may not have online price quotes and many times these smaller providers work with independent insurance agencies.

When getting insurance coverage quotes online, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where someone dropped liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy enough coverage at the best cost while not skimping on critical coverages.

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