Compare 2013 Chevrolet Impala Insurance Rates

Searching for lower insurance rates for your Chevrolet Impala? Are you a victim of overpriced insurance? Trust us, many consumers feel financially strained by their insurance policy.

Drivers have multiple insurers to pick from, and even though it’s nice to be able to choose, so many choices can make it hard to compare rates and find the lowest cost insurance.

The best way we recommend to compare insurance rates from multiple companies is to know the fact most insurance companies actually pay money for the chance to quote your coverage. The one thing you need to do is provide the companies a bit of rating information like daily mileage, if you’re married, whether or not you need a SR-22, and how much education you have. Your information is automatically sent to many highly-rated insurers and they return rate quotes instantly.

To find lower rates now, click here and enter your zip code.

Take discounts and save

Auto insurance companies do not advertise every available discount very well, so the following is a list of some of the best known as well as the least known ways to save on auto insurance.

Accident Free – Claim-free drivers can earn big discounts compared to accident-prone drivers.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Impala insurance than less cautious drivers.
Discount for Life Insurance – Larger companies have a break if you buy auto and life insurance together.
Memberships – Affiliation with a qualifying organization may earn a discount on your policy for Impala insurance.
Military Rewards – Having a deployed family member can result in better rates.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren’t that generous.

To see a list of companies who offer auto insurance discounts, click this link.

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions might help in determining if your situation could use an agent’s help.

Is business property covered if stolen from my car?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Which is better, split liability limits or combined limits?
Is a blown tire covered by insurance?
Does having multiple vehicles earn me a discount?
Can I afford to buy a different vehicle if my 2013 Chevy Impala is totaled?
Is my 2013 Chevy Impala covered for flood damage?
Will my rates increase for filing one claim?
Do I have newly-aquired coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Specifics of your insurance policy

Having a good grasp of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Auto collision coverage

Collision coverage covers damage to your Impala from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, rolling your car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as hospital visits, funeral costs, doctor visits, pain medications and surgery. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

Liability insurance protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things like bail bonds, medical services and emergency aid. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

This provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Impala.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.