Cheaper 2013 Chevrolet Impala Insurance Cost
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UPDATED: Aug 23, 2022
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Looking for the cheapest insurance rates for your Chevrolet Impala? Are you tired of being strong-armed each month for car insurance? You are no different than the majority of other car owners.
Consumers have many insurance companies to purchase coverage from, and although it’s nice to have a choice, it can be more challenging to find the lowest cost provider.
It’s smart to get comparison quotes before your policy renews because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Impala coverage a few years ago there may be better deals available now. Starting right now, forget anything you know (or think you know) about insurance because it’s time to teach you one of the quickest ways to lower your annual insurance bill.
Do you qualify for discounts?
Companies offering auto insurance don’t always advertise all available discounts in an easy-to-find place, so we took the time to find both well-publicized and the more hidden discounts you could be receiving.
- Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
- Early Signing – A few companies offer discounts for switching policies prior to your current policy expiration. This can save 10% or more.
- No Accidents – Claim-free drivers can earn big discounts when compared with frequent claim filers.
- Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
- Good Student Discount – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
- Accident Waiver – A few companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
- Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
It’s important to understand that some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.
Why your Chevy Impala insurance rates may be high
An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in big savings.
The list below includes a partial list of the pieces used by your company to calculate premiums.
- High numbers of claims are not good – If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance companies generally give better rates to drivers who do not rely on their insurance for small claims. Car insurance is intended for larger claims.
- Drive less and save money – The more miles you rack up on your Chevy in a year’s time the higher your rate. The majority of insurers apply a rate based on their usage. Vehicles left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your insurance policy is showing how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Impala can result in significantly higher rates.
- High deductibles save money – Physical damage deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims would be running into the backend of another car, vandalism, or theft. The more expense you have to pay, the less your company will charge you for insurance on Impala coverage.
- Teen drivers pay high rates – Youthful drivers are statistically proven to be more careless when driving so they pay higher insurance rates. Parents adding a youthful driver onto a policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
Don’t assume everyone needs the same coverage
When it comes to buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.
- Does my policy cover my teen driver if they drive my company car?
- Do I need roadside assistance coverage?
- Does liability extend to a camper or trailer?
- Do I need to file an SR-22 for a DUI in my state?
- Do I pay less if my vehicle is kept in my garage?
- Is my teenager covered with friends in the car?
- How can I find cheaper teen driver insurance?
Car insurance 101
Learning about specific coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages offered by car insurance companies.
Uninsured or underinsured coverage
This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2013 Chevy Impala.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Auto liability insurance
Liability coverage will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against things like court costs, loss of income, funeral expenses and legal defense fees. How much coverage you buy is up to you, but you should buy higher limits if possible.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as dental work, funeral costs, nursing services, X-ray expenses and doctor visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like crashing into a building, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.
Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims such as hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Better coverage you can count on
Cheaper 2013 Chevy Impala insurance is available from both online companies in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.
As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed full coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage for the lowest price.
Additional detailed information is available in the articles below:
- Speed and Speed Limit FAQ (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)
- Young Drivers: The High Risk Years Video (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- Collision Insurance Coverage (Nationwide)
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