Compare 2016 Chevrolet Impala Insurance Rates

Want cheaper auto insurance rates for your Chevrolet Impala? No car owner likes paying for auto insurance, especially when they know they could find better prices if they shop around. You have so many auto insurance companies to insure vehicles with, and although it’s nice to have a choice, too many choices makes it more difficult to find the lowest cost provider.

It’s a good habit to get comparison quotes every six months since prices go up and down regularly. Just because you found the lowest price for Impala insurance a few years ago you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance out there, but by reading this article, you’re going to learn some excellent ideas to save money.

The fastest way that we advise to compare insurance rates in your area is to take advantage of the fact car insurance companies pay for the opportunity to give rate comparisons. To begin a comparison, all you need to do is give them rating details like daily mileage, an estimate of your credit level, types of safety features, and how old drivers are. That rating data is then submitted to many highly-rated insurers and you receive quotes within a short period of time.

To compare multiple company rates now, click here and see if a lower rate is available.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you may require specific advice.

• Which is better, split liability limits or combined limits?
• Will I be non-renewed for getting a DUI or other conviction?
• Is my custom paint covered by insurance?
• Does insurance cover damages from a DUI accident?
• Do I really need UM/UIM coverage?
• I have a DUI can I still get coverage?
• Does coverage extend to Mexico or Canada?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage considerations

Understanding the coverages of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2016 Chevy Impala.

Because many people 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. Frequently these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills like funeral costs, rehabilitation expenses, chiropractic care and doctor visits. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, a broken windshield, hitting a deer and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance covers damage to your Impala resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability

This coverage protects you from injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles, loss of income and court costs. How much coverage you buy is your choice, but buy higher limits if possible.