How Much Does 2017 Chevrolet Impala Car Insurance Cost?

Want the cheapest insurance coverage rates for your Chevrolet Impala? Are you at wits end from not being able to afford to pay high insurance coverage rates every month? You are no different than many other drivers.

Having so many options, it’s nearly impossible to find a more affordable insurance company.

It’s a great practice to get comparison quotes at least once a year because insurance coverage prices tend to go up over time. Despite the fact that you may have had the best price on Impala coverage two years ago you will most likely find a better rate quote today. You can find a lot of misleading information regarding insurance coverage online but we’re going to give you a lot of great tips on how to put money back in your pocket.

Low cost insurance rate quotes

When comparison shopping, there are several ways to get quotes from lots of insurance companies. One of the best ways to lower the rate you pay for 2017 Chevy Impala insurance is to get quotes online. This can be done in several different ways.

  1. The best way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This easy form keeps you from doing separate forms for each company you want a rate for. A single, simple form will return quotes from insurance companies with the best prices.
  2. A different way to shop for insurance online consists of visiting each company website and repeat the quote process. For sake of this example, we’ll assume you want to compare prices for Liberty Mutual, Allstate and GMAC. You would be required to spend time on each company’s site and repeatedly enter your information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most difficult way to compare price estimates is physically going to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the trained advice that can only be provided by a licensed insurance agent. Although you can comparison shop your insurance online but purchase the actual policy in an agency.

How you compare quotes is your choice, just compare exactly the same quote data for each quote you get. If you compare different coverage information it will be very difficult to make a fair comparison for your Chevy Impala. Quoting even small variations in insurance coverages could skew the results. And when comparing insurance rates, know that quoting more gives you a better chance of getting a lower rate.

Save money with these discounts

Car insurance is not cheap, but companies offer discounts that you may not even know about. Many discounts should be triggered when you purchase, but occassionally some discounts must be asked for prior to receiving the credit.

  • Discounts for Government Workers – Having worked for a branch of the government could qualify for a slight premium decrease on Impala coverage with a few auto insurance companies.
  • Organization Discounts – Joining qualifying employment or professional organizations may earn a discount on your next auto insurance statement.
  • Onboard Data Collection – People who choose to allow their auto insurance company to spy on driving patterns remotely like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they have good driving habits.
  • Discount for Multiple Policies – When you combine your auto and home insurance with one company they may give you a discount of at least 10% off all policies.
  • No Claims – Drivers who stay claim-free have much lower rates in comparison to accident-prone drivers.
  • E-sign – A few larger online companies will give you a small discount for completing your application on the internet.
  • Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
  • Resident Student – Youth drivers who are attending college and leave their car at home could get you a discount.
  • Driver’s Ed – It’s a good idea to have your young drivers sucessfully take a drivers education course as it will make them better drivers and lower rates.

As is typical with insurance, most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, you’re out of luck.

A few popular companies and a partial list of their discounts include:

  • State Farm policyholders can earn discounts including safe vehicle, passive restraint, driver’s education, multiple policy, student away at school, and accident-free.
  • Nationwide discounts include accident-free, Farm Bureau membership, business or organization, anti-theft, good student, defensive driving, and multi-policy.
  • Geico has discounts for driver training, five-year accident-free, anti-lock brakes, emergency military deployment, daytime running lights, and seat belt use.
  • AAA may offer discounts for good driver, pay-in-full, good student, multi-policy, AAA membership discount, and anti-theft.
  • 21st Century offers premium reductions for homeowners, student driver, early bird, teen driver, and driver training.
  • The Hartford offers discounts including bundle, good student, vehicle fuel type, defensive driver, driver training, anti-theft, and air bag.

When quoting, ask all companies you are considering the best way to save money. Savings may not apply in your area. To choose auto insurance companies with discount auto insurance rates, click here.

Insurance coverage can be complex

When it comes to choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you could use an agent’s help.

  • Are rental cars covered under my policy?
  • What is the ISO rating for a 2017 Chevy Impala?
  • How high should my medical payments coverage be?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when using my vehicle for business?
  • Is extra glass coverage worth it?
  • Can I still get insurance after a DUI?
  • Am I covered when delivering products for my home-based business?
  • Does insurance cover tools stolen from my truck?
  • Who is covered when they drive my 2017 Chevy Impala?

If you don’t know the answers to these questions but one or more may apply to you, 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.

Six things that impact your insurance costs

Lots of things are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving history, although some other factors are not as apparent like your vehicle usage or how safe your car is.

The factors shown below are a few of the things companies use to determine your premiums.

  • Five star safety rating saves money – Vehicles with good safety scores cost less to insure. Safer cars result in less severe injuries and better occupant protection means your insurance company pays less passed on to you as lower rates. If your Chevy Impala scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • Don’t let your policy lapse – Driving without insurance can get your license suspended and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay more, being ticketed for driving with no insurance may earn you fines and jail time.
  • Safeguard your assets with liability – The liability section of your policy will afford coverage when you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Low coverage deductibles can be expensive – The deductibles define the amount you are willing to pay if the claim is covered. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of some claims that would be covered would be rearending another vehicle, collision with a deer, and having a roll-over accident. The more money you are required to pay out-of-pocket, the better rate you will receive on Impala coverage.
  • Premiums are affected by your credit rating – An insured’s credit score is a big factor in determining what you pay for car insurance. If your credit rating leaves room for improvement, you could potentially save money when insuring your 2017 Chevrolet Impala by repairing your credit. People with very good credit scores tend to file fewer claims than drivers who have lower credit ratings.
  • Your occupation and car insurance rates – Jobs such as judges, architects and dentists are shown to have the highest rates due to intense work requirements and extremely grueling work hours. On the other hand, professions such as professors, athletes and retirees pay the least on Impala coverage.

Do auto insurance companies bend the truth?

Respected companies like Geico, State Farm and Progressive regularly use ads in print and on television. All the ads tend to make the same promise that drivers will save a bundle just by moving your coverage to them. How can each company cost less than your current company? You have to listen carefully.

Most companies have specific guidelines for the type of customer that will most likely be profitable. One example of a profitable insured might have to be a married male, has a low-risk occupation, and drives newer vehicles. A driver who matches those parameters will most likely get cheap premium rates and will cut their rates substantially.

Insureds who don’t qualify for the requirements will have to pay more expensive rates with the end result being the customer not purchasing. The ad wording is “customers that switch” not “all people who quote” save the amount stated. That’s the way insurance companies can confidently make claims that they all have the best car insurance rates. Because of the profiling, it’s extremely important to do a price quote comparison at every renewal. It is impossible to guess which auto insurance company will have the lowest rate quotes.

Insurance policy coverages for a Chevy Impala

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as X-ray expenses, EMT expenses and funeral costs. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, theft, damage from flooding and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Impala.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

Collision coverage will pay to fix damage to your Impala caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability coverages

Liability coverage will cover injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

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. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as medical expenses, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Money doesn’t grow on trees

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There have been many cases where consumers will sacrifice physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at the best price while still protecting your assets.

We’ve covered a lot of ways to get a better price on 2017 Chevy Impala insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your prices. You may even discover the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. They may have significantly lower prices on certain market segments than their larger competitors like Progressive and Geico.

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