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2014 Chevrolet Impala Limited Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find better auto insurance rates for your Chevrolet Impala Limited? Expensive auto insurance can take a big chunk out of your bank account and force you to make sacrifices. Comparing price quotes is a smart way to help make ends meet.

Because there are so many auto insurance companies to choose from, it is very difficult to choose the lowest price insurer.

Buying affordable insurance coverage is easy if you know what you’re doing. Essentially everyone who is required by state law to have insurance coverage will be able to reduce their rates. But car owners do need to know how the larger insurance companies compete online and take advantage of how the system works.

Finding Auto Insurance Deals

Performing a rate comparison can be challenging if you don’t know the easiest way. You could waste time discussing policy coverages with insurance companies in your area, or you can utilize online quotes to accomplish the same thing much quicker.

The majority of car insurance companies belong to a marketplace that enables customers to submit one quote, and at least one company can give them a price. This eliminates the need for quotation requests to every company.

To use this form to compare 2014 Chevy Impala Limited insurance rates click here to open in new window.

The one downside to getting quotes like this is buyers cannot specifically choose the insurers to get pricing from. So if you prefer to choose from a list of companies to compare rates, we have a page of auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but compare the exact same coverage limits for every quote you compare. If you use different limits and deductibles on each one it’s impossible to decipher which rate is best. Having just a slight variation in coverage limits may result in a large different in cost. And when comparing auto insurance rates, know that having more price comparisons will improve the odds of getting a lower rate.

Don’t assume everyone needs the same coverage

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Every situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • How much can I save by bundling my policies?
  • When should I drop full coverage on my 2014 Chevy Impala Limited?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How much underlying liability do I need for an umbrella policy?
  • Will filing a claim cost me more?

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 insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Specific coverage details

Understanding the coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Collision insurance

This pays to fix your vehicle from damage resulting from a 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 can pay for claims such as driving through your garage door, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses such as funeral costs, hospital visits and pain medications. They can be used to fill the gap from your health insurance policy 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. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, damage from a tornado or hurricane and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

Liability coverage will cover damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, pain and suffering, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Impala Limited.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

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