2014 Chevrolet Impala Insurance Rates – 10 Ways to Save

Trying to find cheaper insurance coverage rates for your Chevrolet Impala? People new to price shopping insurance online can find finding the cheapest insurance coverage to be a formidable task.

Verify you’re getting all your discounts

Insuring your vehicles can cost a lot, but companies offer discounts to reduce the price significantly. Certain discounts will be applied when you get a quote, but some may not be applied and must be requested specifically before being credited.

  • Multiple Cars – Insuring all your vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Auto/Life Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for Impala insurance with select insurance companies.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for Impala insurance than drivers with accidents.
  • No Accidents – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
  • Safety Course Discount – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • Organization Discounts – Belonging to a professional or civic organization could qualify you for a break on your policy for Impala insurance.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you could get a free insurance coverage policy, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.

Insurance companies who might offer these money-saving discounts include:

Double check with all companies you are considering which discounts you may be entitled to. Savings may not be available in every state.

Compare Quotes for Auto Insurance

Most major insurance companies allow you to get insurance quotes on their websites. Getting quotes is quite simple as you simply enter your personal and coverage information as requested by the quote form. Once entered, the company’s rating system obtains credit information and your driving record and generates a price based on these and other factors.

Quoting online makes it a lot easier to compare rates but the process of having to visit different websites and enter the same data into a form is repetitive and time-consuming. But it’s very important to do this in order to get lower prices.

Quote rates the easy way

An easier way to get multiple rate quotes utilizes a single form that gets price quotes from several different companies. The form is fast, requires less work, and makes online price comparison much more efficient. After sending the form, it is quoted and you can choose your choice of the price quotes you receive.

If you find a better price you can click and sign and purchase coverage. This process just takes a couple of minutes and may save quite a bit of money.

To quickly use this form to compare rates, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend that you enter the insurance coverages just like they are on your policy. This makes sure you will get comparison quotes for similar coverage.

When should I talk to an agent?

When choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that might point out if your situation may require specific advice.

  • Am I covered when driving on a suspended license?
  • Am I better off with higher deductibles on my 2014 Chevy Impala?
  • At what point should I drop full coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage for damage caused while driving under the influence?
  • Will I lose any money if I cancel my policy before it expires?
  • Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, 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 Chevy Impala

Knowing the specifics of car insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, rock chips in glass and damage from getting keyed. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance – This provides protection from damage or injury you incur to people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like bail bonds, emergency aid, structural damage, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for immediate expenses for things like doctor visits, prosthetic devices, surgery and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage – Collision coverage pays for damage to your Impala resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

A little work can save a LOT of money

Lower-priced 2014 Chevy Impala insurance can be found online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

People who switch companies do it for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, an unsatisfactory settlement offer or even high prices. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

You just read quite a bit of information on how to reduce insurance prices online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even find the biggest savings come from the least-expected company.

Much more information about insurance coverage can be read below: