How Much Does 2011 Chevrolet Impala Insurance Cost?

Have you had enough of paying out the nose to buy car insurance? You’re in the same situation as most other car owners.

Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the definite lowest rate

Auto Insurance Prices Online

Effectively comparing auto insurance prices can be exhausting if you don’t know the fastest way to get free quotes. You can spend countless hours talking about coverages with insurance agencies in your area, or you can utilize online quotes to get pricing more quickly.

Most of the best insurance companies take part in a program that allows shoppers to enter their policy data once, and each participating company returns a rated price determined by their information. This eliminates the need for quotation requests to every company.

To find out how much you’re overpaying now click to open in new window.

One minor caviat to comparing rates this way is you don’t know exactly the insurers to get quotes from. If you would rather choose specific providers to compare rates, we have a page of auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make darn sure you compare apples-to-apples deductibles and coverage limits with every price quote. If you compare mixed coverages you will not be able to determine which rate is truly the best. Slightly different coverages may result in large price differences. Just remember that comparing more company’s prices will improve the odds of getting better pricing.

Why your Chevy Impala insurance rates may be high

Smart consumers have a good feel for the factors that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in big savings.

  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. The safest vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Chevy Impala has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Add-on coverages can add up – There are quite a few extra bells and whistles that you can get tricked into buying on your car insurance policy. Coverages for personal injury protection, accidental death and additional equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
  • Your age impacts your rates – Mature drivers are more cautious drivers, tend to file fewer claims and get fewer tickets. Teen drivers are statistically proven to be more careless in a vehicle therefore car insurance rates are much higher.
  • Traffic citations inflate rates – Drivers with clean records get better rates than their less careful counterparts. Even a single ticket may increase your cost by as much as thirty percent. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.

Don’t miss these discounts

Auto insurance companies do not list all available discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known ways to save on car insurance.

  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • One Accident Forgiven – Certain companies will forgive one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Discount for New Cars – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Memberships – Participating in certain professional organizations could trigger savings when shopping for car insurance on Impala coverage.

It’s important to note that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren’t that generous.

A partial list of companies that may have these money-saving discounts are:

Before buying, ask each insurance company what discounts are available to you. Some discounts might not apply in your area.

When might I need help?

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • Can I afford low physical damage deductibles?
  • Is other people’s property covered if stolen from my vehicle?
  • How do I buy GAP insurance?
  • Are my friends covered when driving my 2011 Chevy Impala?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Specific coverages for a Chevy Impala

Having a good grasp of your insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy Impala.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as doctor visits, chiropractic care, rehabilitation expenses, X-ray expenses and funeral costs. 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. PIP is not available in all states but can be used in place of medical payments coverage

Liability car insurance

Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, repair bills for other people’s vehicles, attorney fees and bail bonds. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, a broken windshield, damage from flooding, theft and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

The bottom line

Lower-priced 2011 Chevy Impala insurance can be sourced both online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

You just learned some good ideas how to compare insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest premiums are with the least-expected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

Much more information about insurance can be read on the following sites: