Compare 2014 Chevrolet Impala Limited Car Insurance Quotes

Searching for lower car insurance rates for your Chevrolet Impala Limited? Feel like you’re a prisoner to high-priced car insurance? Believe me, there are many people just like you. Since consumers have many companies to choose from, it is hard for the average consumer to choose the best insurance company.

The purpose of this article is to instruct you on how to get online quotes and some money-saving tips. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Consumers just need to learn the most effective way to compare prices online.

Don’t pay full price with these discounts

The price of auto insurance can be rather high, but you can get discounts to reduce the price significantly. Most are applied at quote time, but some must be manually applied in order for you to get them. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Multiple Policy Discount – When you have multiple policies with one company you will save 10% to 20% off each policy.
  • Low Mileage Discounts – Low mileage vehicles can earn better rates on cars that stay parked.
  • E-sign – A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Discount for Swiching Early – Select companies give a discount for switching policies prior to your current policy expiring. The savings is around 10%.
  • Student Driver Training – Have your child complete a driver education course in high school.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.

Drivers should understand that most credits do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will reduce your premiums.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts might not apply in your state.

Impacting insurance rates for a Chevy Impala Limited

It’s important that you understand the different types of things that go into determining the rates you pay for insurance coverage. Understanding what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Listed below are a few of the “ingredients” companies use to determine prices.

  • Teen drivers pay high rates – Teen drivers have a tendency to be careless and easily distracted when behind the wheel so they pay higher insurance coverage rates. Older insureds are more cautious drivers, tend to cause fewer accidents and get fewer tickets.
  • Rates may be higher depending on your occupation – Occupations like doctors, business owners and stock brokers tend to have the highest rates due to high stress levels and long work hours. On the other hand, professions such as farmers, students and the unemployed receive lower rates for Impala Limited coverage.
  • Lower miles equals lower premium – The higher the mileage driven in a year the more you will pay for insurance coverage. Most companies apply a rate based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Impala Limited can cost quite a bit. Ask your agent if your insurance coverage declarations sheet properly reflects the correct usage for each vehicle.
  • High crash test scores lower rates – Safer cars get lower rates. The safest vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If the Chevy Impala Limited is rated at least four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Being married is a good thing – Having a spouse can get you a discount when buying insurance coverage. Marriage means you’re more mature and responsible and statistics show married couples file fewer claims.
  • Don’t let your coverage lapse – Driving without insurance is against the law and insurance coverage companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a steep fine or even jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • High credit ratings translate to low rates – Your credit history is a big factor in calculating your insurance coverage rates. So if your credit score is not that good, you could be paying less to insure your 2014 Chevrolet Impala Limited by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • Is extra glass coverage worth it?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • I don’t drive much so do I pay less?
  • Do I have coverage when making deliveries for my home business?
  • Why am I required to buy high-risk coverage?
  • Does car insurance cover theft of personal property?
  • What discounts do I qualify for?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Knowing the specifics of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most auto insurance policies.

Collision coverage – This pays for damage to your Impala Limited from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, driving through your garage door, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive auto insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, rock chips in glass, hitting a deer and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2014 Chevy Impala Limited.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability – This can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover 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. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as attorney fees, loss of income, funeral expenses, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for bills such as surgery, chiropractic care, pain medications, nursing services and prosthetic devices. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Better coverage you can count on

Discount 2014 Chevy Impala Limited insurance can be purchased from both online companies and with local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented a lot of ways to get a better price on insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a lesser-known regional company. Some small companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

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