How Much Does 2016 Chevrolet Impala Insurance Cost?

Looking for cheaper car insurance rates for your Chevrolet Impala? No car owner looks forward to paying premiums for car insurance, in particular when the prices are way too high. Insurance companies such as Geico, Progressive and Allstate increase brand awareness with advertising and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

Consumers should take time to quote other rates occasionally since insurance prices change frequently. Just because you had the best quotes on Impala insurance a couple years back a different company probably has better rates today. Forget all the misinformation about car insurance because you’re going to get a crash course in the fastest and easiest way to remove unneeded coverages and save money.

Take policy discounts and save

Insuring your fleet can be pricey, but there’s a good chance there are discounts to cut the cost considerably. Certain reductions will be credited when you get a quote, but less common discounts must be asked for before you get the savings. If you’re not getting every credit you qualify for, you could be getting lower rates.

  • Multiple Policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company you could earn a discount of up to 20% and get you cheap auto insurance.
  • Sign Early and Save – A few car insurance companies give discounts for buying a new policy prior to your current policy expiration. You could save around 10% when you buy auto insurance online.
  • Distant College Student Discount – living away from home attending college and do not have access to a covered vehicle could qualify for this discount.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Responsible Drivers – Insureds without accidents can pay as much as 50% less on Impala insurance than less cautious drivers.
  • Paper-free Discount – Some of the larger companies give back up to $50 just for signing your application over the internet.
  • Good Student – Being a good student can get you a discount of up to 25%. The discount lasts up to age 25.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way.

If you would like to view insurance companies with discount car insurance rates, click here to view.

How to lower your insurance cost

There are a lot of ways to compare insurance prices and some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could use the web to get rate comparisons in just a few minutes.

Most major companies belong to a marketplace that allows shoppers to submit their information once, and at least one company returns a competitive quote based on that data. This prevents consumers from doing quote requests to each individual insurance company.

To find out how much you can save on insurance click to open in new window.

One minor caviat to using this type of form is that you can’t choose which companies you will receive quotes from. So if you want to select specific insurance companies for rate comparison, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, compare nearly identical coverages and limits with each company. If you compare different liability limits it will be nearly impossible to make a fair comparison for your Chevy Impala.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

  • Who is covered by my policy?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?
  • Can I make deliveries for my home business?
  • Does liability extend to a camper or trailer?
  • If my pet gets injured in an accident are they covered?
  • Can my teen driver be rated on a liability-only vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my insurance cover a custom paint job?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Car insurance coverages and their meanings

Learning about specific coverages of a car insurance policy aids in choosing the best coverages for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants 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 should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses for prosthetic devices, surgery and nursing services. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, theft and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

This coverage will pay to fix damage to your Impala resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, hitting a parking meter, crashing into a building, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like bail bonds, structural damage and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

More quotes. Lower rates.

You just read a lot of information how to get a better price on 2016 Chevy Impala insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest priced auto insurance comes from an unexpected company. These smaller insurers may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive and Geico.

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There are too many instances where an insured dropped liability limits or collision coverage only to regret that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at the best possible price and still be able to protect your assets.

The cheapest 2016 Chevy Impala insurance is possible from both online companies and from local agencies, and you should compare rates from both to get a complete price analysis. Some auto insurance companies do not provide online rate quotes and most of the time these smaller companies sell through independent agencies.

More detailed auto insurance information can be found at these sites: