Cheap 2016 Chevrolet Impala Limited Car Insurance Rates

Nobody that owns a car likes buying auto insurance, especially when they know their premiums are too high. Companies like State Farm, Geico and Farmers Insurance continually bombard you with ad campaigns and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

Smart consumers take time to get comparison quotes before your policy renews since insurance prices trend upward over time. Even if you got the best deal for Impala Limited coverage a few years ago other companies may now be cheaper. You can find a lot of wrong information about auto insurance on the internet, but in a few minutes you can learn some excellent ideas to find cheap auto insurance.

How to find the cheapest insurance

Shopping for lower insurance rates can be a daunting task if you don’t know the best way to get rate quotes. You could waste time discussing policy coverages with agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Most car insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and each participating company then returns a price quote based on that data. This saves time by eliminating quotation requests for each company.

To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to using this type of system is that consumers can’t choose the providers to get pricing from. If you prefer to choose specific insurance companies for rate comparison, we have a listing of low cost insurance companies in your area. View list of insurance companies.

Whichever way you use, make sure you use identical deductibles and coverage limits on every quote. If you have different data it will be very difficult to determine the lowest rate for your Chevy Impala Limited.

Can you really save if you switch?

Consumers can’t avoid all the ads for cheaper insurance by companies like State Farm and Allstate. All the companies make the same claim about savings just by moving your insurance coverage to their company.

How can each company offer you a better deal?

All the different companies require specific criteria for the type of customer that earns them a profit. For instance, a desirable risk could possibly be married and over the age of 30, has never had a claim, and the vehicle is rated for pleasure use. Any driver that meets those criteria may get the lowest rates and will save a lot if they switch.

Insureds who don’t meet these criteria will probably be forced to pay higher premiums and this results in the customer not buying. If you pay attention, the ads say “people that switch” but not “everyone who gets a quote” save money. That is how companies can truthfully advertise the way they do.

This really illustrates why you should compare many company’s premium rates. You cannot predict with any certainty which company will have the best car insurance rates for your profile.

Insurance premiums are influenced by these factors

A large part of saving on insurance is knowing the different types of things that help determine your insurance rates. When you know what positively or negatively influences your rates, this allows you to make educated decisions that may reward you with much lower annual insurance costs. Lots of things are part of the calculation when you get a price on insurance. Some are obvious like your driving record, but other criteria are less obvious such as your credit history or how safe your car is.

The items below are some of the most common factors used by insurance companies to determine your rate level.

  • Higher deductibles cost less – The deductibles you choose define the amount you are willing to pay out-of-pocket if the claim is covered. Physical damage coverage, aka comp and collision, covers damage that occurs to your car. Some examples of claims that would be covered are rearending another vehicle, damage from fire, or theft of your vehicle. The more you’re willing to pay, the better rate you will receive for Impala Limited coverage.
  • Don’t let your policy lapse – Driving your car without having proper coverage can get you a ticket and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay higher rates, failure to provide proof of insurance might get you a fine, jail time, or a revoked license.
  • Where you reside is a factor – Living in small towns and rural areas may provide you with better prices when insuring your vehicles. Fewer people translates into fewer accidents in addition to fewer liability claims. City drivers have to deal with traffic congestion and higher rates of accident claims. More time commuting means a statistically higher chance of an accident.
  • Qualify for multi-policy discounts – The majority of insurance companies give discounts to customers that buy multiple policies in the form of a multi-policy discount. This can amount to as much as ten percent or more Even if you already get this discount, it’s in your best interest to shop around to make sure you are getting the best deal.
  • Accidents are costly – Having a clean driving record impacts premiums far more than you think. Getting just one citation can boost insurance rates by twenty percent. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have received severe violations such as DUI or willful reckless driving may find they need to file a SR-22 with their state in order to prevent a license revocation.
  • Rates and occupation – Did you know your occupation can influence how much you pay for insurance? Careers like lawyersairline pilots and medical professionals have the highest average rates because of intense work situations and lots of time spent at work. Other careers such as actors, historians and homemakers pay lower than average rates for Impala Limited coverage.
  • Having a spouse can save you money – Having a wife or husband can actually save you money on insurance. It is viewed as being less irresponsible it has been statistically shown that married drivers get in fewer accidents.

Save with these discounts

Some companies don’t always list all possible discounts in an easy-to-find place, so the list below gives a summary of some of the best known and also the lesser-known credits that you can use to lower your rates.

  • Telematics Discount – Policyholders that allow companies to scrutinize vehicle usage remotely such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts as long as the data is positive.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Government Employee Discount – Federal government employees may qualify for a discount when you quote insurance coverage for Impala Limited coverage with select insurance companies.
  • Discounts for Good Drivers – Drivers without accidents can get discounts for up to 45% lower rates for Impala Limited coverage than their less cautious counterparts.
  • Active Military Service – Having a deployed family member may qualify for rate reductions.
  • Save with a New Car – Buying car insurance coverage on a new vehicle is cheaper because new vehicles keep occupants safer.
  • Early Renewal Discounts – Some companies provide a discount for buying a new policy early. Ten percent is about the average savings.
  • Mature Driver Discount – If you qualify as a senior citizen, you could receive a small decrease in premiums for Impala Limited coverage.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.

You should keep in mind that most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, you aren’t that lucky. Any amount of discount will lower the amount you have to pay.

Large car insurance companies and some of the discounts are included below.

  • American Family may offer discounts for air bags, multi-vehicle, TimeAway discount, accident-free, early bird, mySafetyValet, and bundled insurance.
  • Nationwide has discounts for business or organization, defensive driving, good student, accident-free, and multi-policy.
  • MetLife offers premium reductions for accident-free, claim-free, defensive driver, good student, multi-policy, good driver
  • 21st Century includes discounts for automatic seat belts, theft prevention, 55 and older, homeowners, and driver training.
  • Farmers Insurance may have discounts that include alternative fuel, electronic funds transfer, teen driver, bundle discounts, multi-car, and pay in full.
  • Allstate discounts include utility vehicle, EZ pay plan discount, FullPay discount, anti-theft, good payer, and resident student.

If you need lower rates, check with all the companies to apply every possible discount. Some of the discounts discussed earlier might not be offered everywhere.

Special considerations

When buying the best insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether you might need an agent’s assistance.

  • What discounts do I qualify for?
  • Why do I only qualify for high-risk insurance?
  • Is my teen driver covered when they drive my company car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered when pulling a rental trailer?
  • Is extra glass coverage worth it?
  • Am I covered if I break a side mirror?
  • What is covered by UM/UIM coverage?
  • Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverage specifics

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as ambulance fees, prosthetic devices and pain medications. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision – Collision coverage covers damage to your Impala Limited resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hail damage and damage from flooding. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages – This coverage will cover damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like repair costs for stationary objects, structural damage, repair bills for other people’s vehicles, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Quote often and quote early

Low-cost 2016 Chevy Impala Limited insurance can be sourced from both online companies as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance coverage companies may not provide internet price quotes and usually these smaller companies only sell through local independent agents.

We’ve covered some good ideas how to get a better price on 2016 Chevy Impala Limited insurance. The key concept to understand is the more quotes you get, the higher your chance of finding inexpensive insurance coverage. Consumers may even find the biggest savings come from some of the smallest insurance companies. Regional companies may only write in your state and offer lower prices than the large multi-state companies such as Allstate, Geico and Progressive.

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