How Much Does 2016 Chevrolet Impala Insurance Cost?

Want cheaper auto insurance rates for your Chevrolet Impala? There isn’t a single person who likes buying auto insurance, especially knowing the cost is too high. With drivers having so many options when it comes to auto insurance, it’s difficult to locate a lower cost auto insurance provider.

It’s important to do rate comparisons at least once a year because auto insurance prices change quite often. Even if you think you had the lowest rates for Impala coverage six months ago a different company probably has better rate quotes today. There is a lot of bad advice regarding auto insurance online, but in this article, you’re going to get a bunch of ideas how to find cheap auto insurance.

The best way to compare policy rates is to realize all the major auto insurance companies allow for online access to give you rate quotes. All consumers are required to do is give them some information including how old drivers are, your general credit rating, if a SR-22 is needed, and whether you drive to work or school. Your information is instantly submitted to multiple different insurance companies and they respond with quotes almost instantly.

To compare multiple company rates now, click here and see if a lower rate is available.

When should I discuss my situation with an agent?

When buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that These are some specific questions can aid in determining whether or not you could use an agent’s help.

  • Why am I required to buy liability insurance?
  • Am I covered if I break a side mirror?
  • Am I covered if hit by an uninsured driver?
  • Am I covered when driving in Canada or Mexico?
  • Does insurance cover damages from a DUI accident?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Car insurance 101

Understanding the coverages of insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, vandalism and theft. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability – Liability coverage can cover injuries or damage you cause to a person or their property. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like loss of income, repair bills for other people’s vehicles, funeral expenses, medical services and court costs. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Collision coverage – Collision insurance will pay to fix damage to your Impala resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, sustaining damage from a pot hole, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Impala.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for immediate expenses such as ambulance fees, rehabilitation expenses, EMT expenses, doctor visits and surgery. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible