How Much Does 2010 Chevrolet Impala Car Insurance Cost?

Looking for lower insurance rates for your Chevrolet Impala? Are you intimidated by the crazy number of insurance sources that you can choose from? drivers have so many choices that it can turn into a difficult situation to compare premium rates.

It is always a good idea to compare rates on a regular basis due to the fact that insurance prices go up and down regularly. Even if you think you had the lowest rates for Impala insurance on your last policy there may be better deals available now. Ignore everything you know about insurance because you’re going to learn the tricks you need to know to remove unneeded coverages and save money.

The cheapest insurance

Most larger insurance companies make it easy to get pricing on the web. Obtaining pricing is very simple as you just type in your personal and coverage information as detailed in the form. After the form is submitted, the quote system sends out for information on your driving record and credit history and generates pricing information based on the data you entered.

Quoting online makes it easy to compare insurance prices but the time it takes to visit several different sites and type in the same information gets old quite quickly. But it’s absolutely necessary to compare as many rates as possible if you are searching for the lowest insurance rates.

Online rates the easy way

The smarter way to lower your rates uses one form that obtains quotes from multiple companies. It saves time, eliminates form submissions, and makes online shopping a lot less work. Immediately after you send the form, your coverage is rated and you can select any of the returned quotes. If a lower price is quoted, you simply finish the application and purchase the new policy. This process takes 15 minutes at the most and you will know how your current rates stack up.

To quickly fill out one form to compare multiple rates now, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you complete the form with coverages and limits just like they are on your policy. This guarantees you’re receiving a fair comparison using the same coverage and limits.

Insurance policy discounts

Some companies don’t always list the entire discount list in a way that’s easy to find, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Professional Organizations – Being a member of a qualifying organization could qualify you for a break when shopping for insurance.
  • More Vehicles More Savings – Drivers who insure all your vehicles with the same insurance company can get a discount for every vehicle.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% on medical payment and PIP coverage.
  • Accident Free – Drivers who stay claim-free get the best insurance rates compared to frequent claim filers.
  • Telematics Data – Insureds that choose to allow data collection to study when and where they use their vehicle by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
  • Discount for Swiching Early – Some companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
  • Theft Prevention System – Cars equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a insurance quote.
  • Government Employee Discount – Federal government employees can save as much as 8% for Impala insurance with select insurance companies.

Remember that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. So when the math indicates it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount should help reduce your overall premium however.

Large insurance companies and a selection of discounts are detailed below.

  • Progressive may offer discounts for homeowner, multi-policy, multi-vehicle, continuous coverage, and online signing.
  • MetLife offers premium reductions for good driver, claim-free, multi-policy, defensive driver, and good student.
  • Mercury Insurance has savings for professional/association, accident-free, low natural disaster claims, location of vehicle, multi-car, good student, and ease of repair.
  • Nationwide includes discounts for family plan, easy pay, anti-theft, multi-policy, good student, business or organization, and accident-free.
  • Geico has discounts for air bags, five-year accident-free, membership and employees, seat belt use, military active duty, and defensive driver.
  • AAA offers discounts for anti-theft, AAA membership discount, multi-policy, good student, pay-in-full, and multi-car.

Double check with each company or agent which discounts can lower your rates. Some discounts listed above may not be available in your area. If you would like to see a list of companies that provide some of the discounts listed above, click this link.

Insurance rates are influenced by these factors

A large part of saving on car insurance is knowing some of the factors that play a part in calculating the rates you pay for car insurance. If you understand what determines premiums, this enables you to make decisions that could result in lower car insurance prices.

Listed below are some of the major factors used by your company to calculate your premiums.

  • Your location is a factor – Choosing to live in a rural area can save you money when insuring your vehicles. Residents of big cities have to deal with congested traffic and more time behind the wheel. Fewer drivers on the road corresponds to lower accident rates and lower theft and vandalism rates.
  • Older drivers pay less – Older insureds tend to be more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.Drivers with little experience have been known to be more careless when driving so car insurance rates are higher.
  • Cheaper rates by consolidating – The majority of companies allow a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to get quotes from other companies to verify if the discount is saving money.
  • Safer cars save money – Cars with high safety ratings tend to have better insurance rates. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries means your insurance company pays less and lower rates for you. If your Chevy Impala is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Policy add-ons could be costing you – Insurance policies have a lot of optional add-on coverages that you can get tricked into buying if you don’t pay attention. Coverage for things like replacement cost coverage, better glass coverage, and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you’ve never needed them in the past get rid of them and save.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions might point out if your insurance needs might need an agent’s assistance.

  • What discounts do I qualify for?
  • Is my teen driver covered when they drive my company car?
  • When can I cancel my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I buy full coverage?
  • Am I covered if hit by an uninsured driver?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What if I total my 2010 Chevy Impala and owe more than it’s worth?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Do auto insurance companies bend the truth?

Companies like Geico, State Farm and Progressive continually stream television, radio, and online ads. They all say the same thing that drivers can save some big amount after switching your auto insurance policy to them. How do they all charge you a lower premium? This is the trick they use.

Most companies give the best rates for the type of driver that earns them the most money. For example, this type of risk profile may be between the ages of 40 and 55, owns their home, and drives a car with an anti-theft system. Anyone who fits those characteristics will get very good prices and most likely will pay quite a bit less when switching companies.

Drivers who cannot meet the requirements will be charged a higher rate which translates to the customer buying from someone else. The trick is to say “drivers that switch” not “all people who quote” save that much when switching. That is how insurance companies can confidently make those statements. This really illustrates why you really should get as many free insurance quotes as possible. It is impossible to predict with any certainty which company will fit your personal profile best.

Educate yourself about auto insurance coverages

Knowing the specifics of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Liability coverages – Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like funeral expenses, attorney fees, structural damage, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive protection – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like theft, hitting a deer and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Impala.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision – Collision coverage pays for damage to your Impala caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, colliding with a tree, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical expense coverage – Med pay and PIP coverage pay for short-term medical expenses for nursing services, rehabilitation expenses, ambulance fees, funeral costs and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Don’t break the bank

When shopping online for car insurance, it’s very important that you do not buy poor coverage just to save money. There have been many cases where drivers have reduced collision coverage and learned later they didn’t have enough coverage. Your objective should be to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

You just read many ways to save on 2010 Chevy Impala insurance. The key concept to understand is the more you quote insurance, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a smaller regional carrier.

Cost effective 2010 Chevy Impala insurance can be purchased on the web and from local agencies, so you should compare both in order to have the best price selection to choose from. Some car insurance companies don’t offer online rate quotes and most of the time these smaller providers work with independent insurance agents.

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