2013 Chevrolet Impala Insurance Cost – 5 Ideas for Best Prices

Saving money on insurance coverage is always challenging for drivers who have little experience quoting and comparing prices online. There are so many options available that it can be a real challenge to find cheaper insurance coverage rates.

It’s a good habit to compare prices on a regular basis because prices are constantly changing. Just because you had the best rate on Impala insurance a few years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to show you the proper way to lower your annual insurance bill.

How to compare car insurance rate quotes

Most companies like State Farm and Allstate make it easy to get prices direct online. Doing online price comparisons is possible for anyone because you just enter the amount of coverage you want on the page. After you submit the form their rating system automatically orders reports for credit and driving violations and returns a price.

Online price estimates makes comparing rates easy, but the time it takes to visit several different sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes in order to find the lowest price.

The better way to compare rates

The preferred way to compare rates is to use a quote form to obtain quotes from several companies at one time. It saves time, reduces the work, and makes online quotes much simpler. Immediately after you send the form, it gets priced with multiple companies and you can pick your choice of the returned quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. This process takes less than 15 minutes and may save quite a bit of money.

In order to fill out one form to compare multiple rates now, click here and enter your information. If you have a policy now, it’s recommended you copy deductibles and limits exactly as shown on your declarations page. This makes sure you will receive an apples-to-apples comparison using the same coverage and limits.

Double check you’re getting these five rate-reducing discounts

Some insurers don’t necessarily list every disount available in a way that’s easy to find, so the list below gives a summary of both well-publicized and also the more inconspicuous credits available to you.

  • Lower Rates for Military – Being deployed with a military unit may lower your rates slightly.
  • 55 and Retired – Drivers that qualify as senior citizens can get reduced rates on Impala insurance.
  • Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote auto insurance on Impala insurance depending on your company.
  • Multi-Vehicle Discounts – Buying a policy with several vehicles with the same insurance coverage company can get a discount for every vehicle.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount when getting a auto insurance quote.

Just know that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Some of the insurance companies who may offer these money-saving discounts include:

When quoting, ask each insurance company to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies in your area. To find companies that provide some of the discounts listed above, follow this link.

Do I need special coverages?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • How do I file an SR-22 for a DUI in my state?
  • Is there coverage for injuries to my pets?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I rate my 2013 Chevy Impala as pleasure use or commute?
  • Am I covered when driving someone else’s vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • When do I need to add a new car to my policy?
  • Am I better off with higher deductibles on my 2013 Chevy Impala?
  • Is a fancy paint job covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Auto insurance policy specifics

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, vandalism and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for liability

This will cover damage or injury you incur to other people or property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like structural damage, loss of income and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage kick in for bills for chiropractic care, hospital visits, doctor visits and funeral costs. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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. So UM/UIM coverage is very important.

Saving money is sweet as honey

Some companies may not offer rates over the internet and most of the time these regional insurance providers sell through independent agents. Cost effective 2013 Chevy Impala insurance is possible from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection.

When shopping online for insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an insured dropped full coverage and found out when filing a claim that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

We just covered many ways to compare 2013 Chevy Impala insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheap auto insurance. You may even find the best premium rates are with a small local company.

Helpful articles