2010 Chevrolet Impala Insurance Rates

Having to pay for overpriced Chevrolet Impala insurance can take a big chunk out of your savings account and put the squeeze on your family’s finances. Comparing price quotes is a great way to tighten up your finances.

You have so many auto insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, lots of choices makes it harder to find the best rates for your vehicles.

How to Get Auto Insurance Comparison Quotes

There are several ways to compare rate quotes from local auto insurance companies. The fastest way to compare 2010 Chevy Impala insurance prices is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing repetitive form entry to each individual auto insurance company. In just a few minutes this one form will get you rate comparisons from auto insurance companies with the best prices.
  2. Another way to get comparison quotes is to take the time to go to the website for each individual company and request a quote. For sake of this example, let’s assume you want rates from Auto-Owners, Liberty Mutual and Allstate. You would have to go to every website and enter your policy data, and that’s why the first method is more popular.

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

  3. The least recommended method of comparing rate quotes is to drive around to different agent offices. The ability to buy insurance online makes this process obsolete unless you require the professional guidance of a local agent. It is possible to compare the best prices online but still have the advice of a local agent and we’ll cover that in a bit.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverage information on every quote you get. If you are comparing different liability limits it’s impossible to determine the best price for your Chevy Impala. Slightly different insurance coverages can mean a large discrepancy in price. Keep in mind that more quotes will improve the odds of getting a lower rate.

Do you qualify for discounts?

Companies offering auto insurance don’t always advertise all their discounts very well, so we break down both the well known and the harder-to-find auto insurance savings.

  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Senior Citizens – Older drivers may qualify for a small decrease in premiums for Impala coverage.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Auto/Home Discount – When you have multiple policies with one company you may earn up to 20% off your total premium.

It’s important to understand that most discounts do not apply the the whole policy. Most only cut individual premiums such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

For a list of companies with discount auto insurance rates, follow this link.

Why you might be paying too much to insure your Chevy Impala

An important part of buying insurance is that you know the factors that help determine the price you pay for insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get lower insurance prices.

The following are some of the factors used by your company to calculate your rates.

  • Theft deterrents lower rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
  • Occupation reflects on rates – Occupations such as doctors, architects and stock brokers tend to pay the highest rates attributed to high stress and lengthy work days. On the other hand, occupations like actors, students and retirees have the lowest average rates for Impala coverage.
  • Small claims can cost you – If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance companies provide cheaper rates to drivers who are claim-free. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • More than one policy can earn a discount – The majority of insurers provide better rates to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, you may still want to shop around to make sure you are getting the best deal.
  • Protect yourself with liability coverage – Liability insurance is the coverage that protects you in the event that you are found to be at fault for damages from an accident. Liability provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Better credit means lower rates – A driver’s credit score is a large factor in determining your rates. So if your credit rating is lower than you’d like, you could pay less to insure your 2010 Chevrolet Impala by spending a little time repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Where do you drive? – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your insurance coverage properly reflects the proper vehicle usage. Incorrect usage on your Impala can result in significantly higher rates.
  • How’s your driving record? – Drivers with clean records have lower premiums than people who have multiple driving citations. Even a single speeding ticket may increase your cost by as much as thirty percent. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.

Don’t assume everyone needs the same coverage

When it comes to buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out if you would benefit from professional advice.

  • Do I need medical payments coverage since I have good health insurance?
  • At what point should I drop full coverage?
  • Am I better off with higher deductibles on my 2010 Chevy Impala?
  • What is PIP insurance?
  • What companies insure drivers after a DUI or DWI?
  • Should I have combined single limit or split liability limits?
  • Do I need an umbrella policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance coverages for a Chevy Impala

Having a good grasp of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types offered by auto insurance companies.

Liability auto insurance – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like medical services, emergency aid, pain and suffering and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Impala.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage – Comprehensive insurance coverage covers 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 coverage protects against claims like hail damage, rock chips in glass and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, sideswiping another vehicle, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Med pay and PIP coverage pay for expenses for chiropractic care, X-ray expenses, EMT expenses and nursing services. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Make a quick buck

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced liability coverage limits only to regret at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Lower-priced 2010 Chevy Impala insurance is possible from both online companies and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

In this article, we presented some good ideas how to compare insurance prices online. The key thing to remember is the more you quote, the better your comparison will be. You may be surprised to find that the best prices are with some of the smallest insurance companies. Regional companies often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

To read more, take a look at the resources below: