2014 Chevrolet Impala Limited Insurance Quotes

Having to pay for overpriced Chevrolet Impala Limited insurance can draw down your savings account and put a big crunch on your finances. Comparing rate quotes can help to tighten up your finances.

You have so many auto insurance companies to pick from, and although it’s nice to have a selection, so many choices can make it hard to compare rates and find the lowest cost insurance.

It’s a good idea to compare premium rates periodically because insurance prices are usually higher with each renewal. Despite the fact that you may have had the best deal on Impala Limited coverage on your last policy you may be paying too much now. Forget anything you know (or think you know) about insurance because I’m going to teach you the right way to lower your annual insurance bill.

Verify you’re getting every discount

Some companies don’t list all disounts in an easy-to-find place, so we researched some of the more common and the harder-to-find discounts that you may qualify for.

  • Save with More Vehicles Insured – Drivers who insure multiple cars with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Payment Discounts – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
  • Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
  • Student in College – Children who live away from home at college and do not have a car can receive lower rates.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it will make them better drivers and lower rates.
  • Life Insurance – If the company offers life insurance, you could get better insurance coveragerates if you take out auto and life insurance together.
  • Military Discounts – Having a deployed family member can result in better prices.

As a footnote on discounts, some credits don’t apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, insurance coverage companies aren’t that generous. Any amount of discount will help reduce the cost of your policy.

Companies that may offer policyholders most of these discounts are:

If you need lower rates, check with every prospective company to apply every possible discount. Some credits may not be offered everywhere. To find providers who offer insurance coverage discounts, click here to view.

Ways to get car insurance quotes

Finding a better price on car insurance is pretty simple and can save money. You just have to invest a few minutes comparing rates to find the company with the cheapest auto insurance quotes. This can easily be done in several different ways.

  1. The most efficient way to get quotes for comparison is a comparison rater form (click to open form in new window). This form prevents you from having to do repetitive form submissions for every prospective company. One form submission gets you coverage quotes from multiple companies.
  2. A harder way to analyze rates is going to each company website and repeat the quote process. For examples sake, let’s assume you want to compare Geico, Liberty Mutual and Allstate. To do that, you would have to visit each site and repeatedly type in your coverage information, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make absolute certain that you use identical coverages on every quote. If you have differing limits it will be next to impossible to make an equal comparison.

How do insurance companies determine Chevy Impala Limited insurance costs?

Lots of things are part of the calculation when you get your auto insurance bill. Some are pretty understandable like your driving record, but some are less apparent such as your marital status or your commute time.An important part of buying insurance is that you know some of the factors that play a part in calculating your premiums. When you understand what determines base rates, this empowers consumers to make smart changes that can help you get cheaper rates.

The itemized list below are some of the major factors that factor into prices.

  • Liability coverage safeguards assets – The liability coverage on your policy will afford coverage in the event that you are found to be at fault for damages from an accident. This coverage provides you with a defense in court which can cost thousands of dollars. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Insurance coverage lapses lead to higher insurance coverage rates – Driving any period of time without insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, failure to provide proof of insurance could result in a steep fine or even jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Annual mileage and car insurance prices – The more you drive your Chevy in a year’s time the higher your rate. Most insurance companies charge to insure your cars based upon how much you drive. Autos that are left in the garage qualify for better rates than those used for commuting. Double check that your insurance coverage declarations sheet reflects the correct driver usage, because improper ratings can cost you money. An improperly rated Impala Limited may be costing you higher rates.
  • Is insurance coverage cheaper for females or males? – Statistics demonstrate that females tend to be a little less risky than males. That doesn’t necessarily mean that men are worse drivers. They both have accidents in similar percentages, but the male of the species cause more damage. In addition to higher claims, males also get ticketed for serious violations like driving under the influence (DUI). Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
  • Improve your credit rating – An insured’s credit score is a big factor in calculating your premium rate. People with very high credit ratings tend to be better risks to insure than drivers who have lower credit ratings. Therefore, if your credit history could use some work, you could save money insuring your 2014 Chevrolet Impala Limited by spending a little time repairing your credit.
  • Cars with good safety ratings 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 fewer injuries means less claims paid which can result in lower premiums. If your Chevy scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.

When should I discuss my situation with an agent?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining if you will benefit from professional help.

  • Is business property covered if stolen from my car?
  • Where can I get insurance after a DUI in my state?
  • What if I owe more than I can insure my car for?
  • Are my friends covered when driving my 2014 Chevy Impala Limited?
  • Is my babysitter covered when using my vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • What discounts do I qualify for?
  • Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Auto insurance coverage information

Having a good grasp of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Collision coverages – This covers damage to your Impala Limited from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, crashing into a building, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability auto insurance – Liability coverage can cover damage or injury you incur to a person or their property. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

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 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, court costs and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, hitting a deer, rock chips in glass, damage from getting keyed and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for bills like hospital visits, X-ray expenses, dental work and doctor visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Chevy Impala Limited.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Keep this in mind

When searching for cheap auto insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

A few companies may not have online rate quotes and usually these small, regional companies prefer to sell through independent agents. Lower-priced insurance coverage is available both online and from local insurance agents, and you should compare rates from both to get a complete price analysis.

Additional insurance coverage information can be found on the following sites: