Quick Guide to Buying Coverage Online for a Chevy Impala

Searching for the cheapest insurance for a new or used Chevy Impala can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to shop for car insurance so we’re going to tell you the proper way to price shop coverage for a Chevy and locate the best price possible either online or from local insurance agents.

If you are insured now or are looking for a new policy, you can follow these tips to get lower rates while maximizing coverage. Locating the best car insurance coverage is simple if you know the tricks. Drivers only need an understanding of the best way to get comparison quotes online.

How to Compare Car Insurance Rates

Most major insurance companies such as State Farm, Allstate and GEICO give prices for coverage on their websites. Getting online quotes is pretty easy as you just type in the amount of coverage you want as requested by the quote form. Once entered, the system orders your driving and credit reports and generates a price based on these and other factors.

Quoting online simplifies rate comparisons, but the time it takes to visit different websites and type in the same information gets old quite quickly. But it is imperative to get many rate quotes if you are searching for the lowest price.

The easy way to compare rates

A less time-consuming method to find cheaper rates is to use a quote form that gets price quotes from a bunch of companies at once. The form is fast, requires less work, and makes online quotes much more efficient. Immediately after you send the form, it is quoted and you are able to buy any or none of the pricing results.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. It can be completed in a matter of minutes and could lower your rates considerably.

To quickly find out if lower rates are available, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you complete the form with the insurance coverages identical to your current policy. Doing this guarantees you’re receiving a price comparison based on the exact same insurance coverage.

Can you really save that much by switching?

Drivers constantly see and hear ads for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. All the companies say the same thing that you’ll save big if you change your coverage to them.

How do they all say the same thing?

Different companies are able to cherry pick for the type of driver that earns them a profit. An example of a desirable insured might be over the age of 50, insures multiple vehicles, and has a high credit rating. A propective insured that hits that “sweet spot” will get very good rates and most likely will pay quite a bit less when switching companies.

Potential insureds who fall outside these standards will be quoted higher rates and ends up with business going elsewhere. Company advertisements say “customers that switch” not “everyone that quotes” save that much. That’s why companies can truthfully make those claims.

This emphasizes why you should compare many company’s rates. Because you never know which insurance companies will give you the biggest savings.

How much can you save with discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be asked about before they will apply. If you aren’t receiving every discount you qualify for, you are throwing money away.

• Federal Government Employee – Active or retired federal employment may qualify you for a discount on Impala insurance depending on your company.
• Drive Less and Save – Low mileage vehicles can earn a substantially lower rate.
• Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.
• Clubs and Organizations – Belonging to certain professional organizations could trigger savings on your policy on Impala insurance.
• Drive Safe and Save – Safe drivers may receive a discount up to 45% less on Impala insurance than less cautious drivers.
• Military Rewards – Being on active duty in the military can result in better rates.
• Distant Student – Any of your kids who are attending college and don’t have a car can be insured at a reduced rate.
• 55 and Retired – Mature drivers may be able to get reduced rates on Impala insurance.
• Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.

Drivers should understand that many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will bring down the amount you have to pay.

To see a list of providers with the best car insurance discounts, click this link.

Don’t I need to talk to an agent?

Some consumers prefer to buy from a local agent and there is nothing wrong with that. Agents can help determine the best coverages and help in the event of a claim. The biggest benefit of price shopping on the web is you may find the lowest rates but also keep your business local. And providing support for local insurance agencies is definitely important if you live in a smaller city or town.

After completing this simple form, your coverage information is transmitted to participating agents who will return price quotes for your insurance coverage. You never need to leave your house because quoted prices will be sent straight to your inbox. How’s that for easy!

Two types of auto insurance agents

When finding a good insurance agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies are either captive or independent. Both do a good job, but it’s worth mentioning the difference between them because it can influence the type of agent you choose

Independent Insurance Agents

Independent agents are not employed by any specific company but rather can write business with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparison shopping, we recommend you include price quotes from at a minimum one independent agency for the best price selection.Most can insure with lesser-known insurance companies which can save you money.

Agency Captives

Captive agencies are contracted to one company such as State Farm, Allstate and AAA. These agents are not able to give you multiple price quotes so always compare other rates. These agents receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums. Some people will only purchase coverage from captives mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

To view a complete directory of insurance agencies, click here.

Picking an auto insurance agent requires more thought than just the bottom line cost. These questions are important to ask:

• Can glass repairs be made at your home?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Is their price quote a firm figure or are their hidden costs?
• How long has their agency been in business?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• Which insurance companies are they affiliated with?

Once you have positive feedback for all questions you ask and an acceptable price quote, you have narrowed it down to an insurance agency that can properly service your car insurance policy.

How much car insurance do I need?

When it comes to buying the best car insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions can help discover if your insurance needs would benefit from an agent’s advice.

• Are my tools covered if they get stolen from my vehicle?
• I don’t drive much so do I pay less?
• Will my rates increase for filing one claim?
• What can I do if my company denied a claim?
• Is my babysitter covered when using my vehicle?
• Is my teen driver covered when they drive my company car?
• Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Keep this in mind

When you buy insurance online, don’t be tempted to skimp on coverage in order to save money. There have been many cases where an insured dropped physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Insureds leave their current company for many reasons like not issuing a premium refund, high prices, policy cancellation and even an unsatisfactory settlement offer. Whatever your reason, switching companies is not as hard as you think.

We’ve covered a lot of techniques to save on Chevy Impala insurance. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. You may even discover the lowest rates come from a lesser-known regional company.