2018 Chevrolet Impala Insurance Quotes – 6 Savings Tips

Searching for more affordable car insurance can appear to be rather difficult for consumers that are not comfortable with quoting and comparing rates and buying car insurance on the web. With such a big selection of agents and insurance companies available, how are consumers expected to have time to compare the different rates to find better rates?

Finding the best rates is quite easy. In a nutshell, every vehicle owner who shops for insurance coverage will most likely be able to find better rates. But consumers must comprehend how insurance companies sell online and apply this information to your search.

Where can I get cheap insurance coverage?

Shopping for lower insurance coverage rates is a ton of work if you don’t know the fastest way to get free quotes. You could waste time talking about coverages with agents in your area, or you can stay home and use online quotes to quickly compare rates.

Many popular insurance companies participate in an industry program where insurance shoppers send in one quote, and every company returns a rated price based on the submitted data. This system prevents you from having to do quote requests for each company.

To get comparison pricing now click here to start a free quote.

The one downside to comparing rates this way is you don’t know exactly which companies to receive prices from. So if you prefer to choose specific insurance companies to compare, we have a listing of companies who write insurance coverage in your area. Click to view list.

The method you choose is up to you, but do your best to use the same coverage information with every price quote. If you enter different coverage information it will be very difficult to get a fair rate comparison. Even a minor difference in coverages could mean much higher rates. Just keep in mind that comparing more company’s prices helps locate a lower rate. Some companies don’t provide quotes online, so it’s important to also get price estimates from those companies as well.

Get cheaper rates with these six discounts

Auto insurance companies do not advertise their entire list of discounts in an easy-to-find place, so we break down some of the more common as well as some of the hidden savings tricks you should be using when you buy insurance online. If you do not double check each discount you qualify for, you could be saving more on your insurance.

• Accident Free – Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
• Early Signing – Some insurance companies provide a discount for buying a new policy before your current policy expires. The savings is around 10%.
• Sign Online – Some companies provide a small discount for buying your policy over the internet.
• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
• Air Bag Discount – Factory options such as air bags or automatic seat belts can receive discounts up to 30%.
• Professional Organizations – Affiliation with qualifying clubs or civic groups can get you a small discount on your bill.

A quick disclaimer, most credits do not apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, you aren’t that lucky.

A few popular companies and the discounts they provide are included below.

• AAA may include discounts for pay-in-full, education and occupation, multi-policy, multi-car, good student, anti-theft, and good driver.
• Progressive offers discounts including good student, multi-policy, online signing, multi-vehicle, continuous coverage, and homeowner.
• State Farm has discounts for passive restraint, good driver, good student, driver’s education, student away at school, and anti-theft.
• Esurance includes discounts for defensive driver, claim free, safety device, anti-theft, paid-in-full, emergency road assistance, and multi-policy.
• Nationwide may offer discounts for defensive driving, family plan, Farm Bureau membership, easy pay, accident-free, and good student.

When getting a coverage quote, ask all companies you are considering which discounts you qualify for. Some discounts might not be available to policyholders in your state.

Car insurance can be complex

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

• What is covered by UM/UIM coverage?
• Does my liability insurance cover pulling a trailer or camper?
• Which is better, split liability limits or combined limits?
• How much can I save by bundling my policies?
• What if I don’t agree with a claim settlement offer?
• Does my car insurance cover rental cars?
• What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance

This coverage can cover damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like medical services, emergency aid and bail bonds. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2018 Chevy Impala.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, damage from getting keyed and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for rehabilitation expenses, doctor visits, chiropractic care and hospital visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision protection

Collision coverage pays for damage to your Impala resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, crashing into a building, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.