Compare 2012 Chevrolet Impala Car Insurance Rates

No one loves paying for insurance coverage, especially when they know they are paying too much.

Due to the fact that there are so many different company options, it’s difficult to choose the right insurer.

Compare free insurance coverage rate quotes

When comparison shopping, there are several ways to compare quotes from many insurance coverage companies in your state. The easiest way by far to find the cheapest 2012 Chevy Impala insurance rates is to get quotes online. This is quite simple and can be completed in several different ways.

The best way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This style of form eliminates the need for repetitive form entry for every company. One form submission compares rates direct from many companies.

A different way to get comparison quotes is to manually visit each company’s website and fill out a new quote form. For example, we’ll assume you want to get rates from Allstate, Safeco and State Farm. To get each rate you have to go to each individual site and repeatedly enter your information, which can get old fast. To view a list of companies in your area, click here.

The hardest way to compare price estimates is actually driving to local insurance agencies. Buying insurance online has made agencies unnecessary unless you prefer the trained guidance only provided by licensed agents. You can, however, get prices online but buy the policy through an agent.

It doesn’t matter which method you choose, just make sure you compare exactly the same coverages and limits on every quote you get. If you use different values for each quote it’s impossible to make a fair rate comparison. Just slight variations in coverage limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that comparing a wide range of rates helps locate a lower rate than you’re paying now. Some insurance companies are not set up to provide prices over the internet, so you also need to get quotes from them as well.

Insurance advertisements

Popular insurance providers such as Allstate, Geico and Progressive consistently run television and radio advertisements. All the ads advertise claims about how much you will save after switching your insurance policy to them. How does each company offer you a better deal? This is the trick they use.

All the different companies have a certain “appetite” for the type of customer they prefer to insure. An example of a profitable customer may be a mature driver, has no driving citations, and has a short commute. A customer that fits those parameters gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t measure up to these criteria may be forced to pay higher prices and the customer not buying. The trick companies use is to say “drivers that switch” but not “all drivers who get quotes” save the amount stated. That is how companies can make claims like that.

This emphasizes why you really need to compare free auto insurance quotes often. It is impossible to predict which insurance companies will have the lowest prices for your situation.

Informed consumers can reduce their insurance costs

Smart consumers have a good feel for some of the factors that help determine the level of your policy premiums. When you understand what impacts premium levels, this allows you to make good choices that may reward you with cheaper rates.

The factors shown below are some of the most common factors utilized by car insurance companies to help set your prices.

  • Gaps in coverage mean higher prices – Driving any period of time without insurance is illegal and companies may charge more for letting your insurance coverage expire. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.
  • Vocation stress can affect insurance rates – Did you know your job can affect your rates? Occupations such as fire fighters, executives and emergency personnel tend to have higher average rates in part from high stress levels and long work days. Other jobs such as professors, students and the unemployed have the lowest average rates for Impala coverage.
  • Increase comp and collision deductibles and save – Physical damage deductibles state the amount of money you are required to spend out-of-pocket if a covered claim is submitted. Insurance for physical damage to your car, aka comp and collision, covers damage that occurs to your car. Some examples of covered claims could be collision with another vehicle, vandalism, or theft of your vehicle. The more money you have to pay, the less your company will charge you for insurance for Impala coverage.
  • The higher your credit rating the lower your rates – Having a bad credit score factor in your rate calculation. So if your credit history leaves room for improvement, you could potentially save money when insuring your 2012 Chevrolet Impala by repairing your credit. Drivers with excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit scores.
  • Eliminate unneeded add-on coverages – There are quite a few extra coverages that can waste your money if you don’t pay attention. Coverages for roadside assistance, better glass coverage, and additional equipment coverage could be just wasting money. The coverages may be enticing when discussing your needs, but if they’re wasting money remove them from your policy.
  • Single vs. married – Your spouse actually saves money when buying insurance. Having a significant other may mean you are more responsible it has been statistically shown that married drivers tend to have fewer serious accidents.

Don’t overlook these car insurance discounts

Companies don’t list every policy discount very clearly, so the next list breaks down both well-publicized as well as some of the hidden car insurance savings.

  • Discount for Life Insurance – Insurance carriers who offer life insurance give a small discount if you purchase auto and life insurance together.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
  • Defensive Driver – Taking a class that teaches safe driver techniques can save you 5% or more and also improve your driving technique.
  • Homeowners Discount – Owning a house can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.
  • Savings for New Vehicles – Buying a new car model can cost up to 25% less because newer vehicles keep occupants safer.
  • Active Service Discounts – Having an actively deployed family member could be rewarded with lower rates.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up before driving can save 10% or more off the PIP or medical payment premium.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. Even though it appears all those discounts means the company will pay you, it’s just not the way it works. But all discounts will help reduce your overall bill.

Larger car insurance companies and some of their more popular discounts are:

  • 21st Century offers discounts including driver training, homeowners, theft prevention, air bags, automatic seat belts, and anti-lock brakes.
  • State Farm may have discounts that include multiple autos, Drive Safe & Save, good driver, anti-theft, accident-free, passive restraint, and student away at school.
  • AAA policyholders can earn discounts including AAA membership discount, education and occupation, good driver, good student, multi-policy, and pay-in-full.
  • Liberty Mutual includes discounts for multi-policy, good student, new move discount, teen driver discount, newly retired, hybrid vehicle, and newly married.
  • Progressive has discounts for multi-policy, good student, online signing, multi-vehicle, homeowner, continuous coverage, and online quote discount.

If you want cheaper auto insurance quotes, ask each company or agent the best way to save money. Some discounts may not be available in every state. To locate car insurance companies that can offer you the previously mentioned discounts, click this link.

When to get professional advice

When it comes to buying coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are rental cars covered under my policy?
  • Are split liability limits better than a combined single limit?
  • Is my teenager covered with friends in the car?
  • Why am I required to get a high-risk car insurance policy?
  • Is my custom paint covered by insurance?
  • How does medical payments coverage work?
  • How can I find cheaper teen driver insurance?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Car insurance 101

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Collision coverage – Collision insurance pays for damage to your Impala resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Liability coverage – Liability insurance provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things such as structural damage, court costs and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for hospital visits, doctor visits, pain medications, chiropractic care and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, rock chips in glass and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Find Good Coverage for Less

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many cases, consumers will sacrifice liability coverage limits only to regret that it was a big mistake. The goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

You just learned some good ideas how you can reduce 2012 Chevy Impala insurance rates online. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the best rates are with an unexpected company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate, Geico and Progressive.

For more information, feel free to visit the resources below: