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Chevrolet Impala Insurance Rates

Buying auto insurance through online rate quotes saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to take the time to get rates from as many companies as possible so you can compare all your choices.

Shopping online for auto insurance is challenging if you are a beginner to online quotes. Don't let that stop you because comparing prices is actually very simple. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes to get quotes online from several insurance companies. This can be accomplished by visiting this page.

What factors determine your insurance rates?

Auto insurance rates for your Chevrolet Impala can vary widely and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Credit rating
  • Where you live
  • High miles vs. low miles
  • Male drivers pay higher rates
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

A final factor that helps determine Impala insurance rates is the model year. A newer vehicle cost more in comparison to later models so the costs to repair can inflate annual premiums. But new Chevrolet models may have a trim level with safety features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which can provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability

This provides protection from damages or injuries you inflict on other's property or people in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your Chevrolet Impala comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the "other guys" either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.

How Much are Chevrolet Impala Insurance Rates?