Cheaper 2014 Chevrolet Impala Insurance Cost

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 18, 2022

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Want lower car insurance rates for your Chevrolet Impala? Are you overwhelmed by the crazy number of car insurance options? Many other drivers are as well. Consumers have so many options that it can turn into a lot of work to find lower rates.

It’s smart to get comparison quotes yearly since insurance rates change frequently. Despite the fact that you may have had the lowest price on Impala coverage on your last policy you may be paying too much now. Don’t believe everything you read about car insurance on the internet, so by reading this article, you’re going to learn some guaranteed methods to reduce your car insurance bill.

If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. This information will tell you the most effective way to quote insurance and some money-saving tips. But car owners need to learn the way insurance companies sell insurance online because it can help you find the best coverage.

Comparison of Insurance Coverage

There are several ways you can shop for Chevy Impala insurance coverage and some are more efficient than others. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use the web for quick rates.

Many insurance companies participate in a marketplace where prospective buyers enter their policy data once, and every company then gives them pricing based on the submitted data. This prevents consumers from doing repetitive form submissions for every insurance coverage company.

If you’re in the market for an Impala and wondering what your premiums will be, you might first want to know how much does a 2014 Chevy Impala cost. According to Kelley Blue Book, a 2014 Impala in good condition will range in price from $14,000 to $18,000. High mileage or other issues with that used car will likely result in a lower asking price.

Once you’ve found the right Impala for your needs, you can use this form to compare 2014 Chevy Impala insurance rates click here (opens in new window).

It’s up to you which method you use, but double check that you are using the exact same deductibles and coverage limits for each price quote. If your comparisons have different limits and deductibles on each one you will not be able to make an equal comparison. Slightly different insurance coverages may cause a big price difference. Keep in mind that comparing a large number of companies will enable you to find the best rates.

Pay Less by Taking Advantage of Discounts

Car insurance companies don’t always advertise every discount very clearly, so the following is a list of both well-publicized and the more hidden savings tricks you should be using.

  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Impala coverage with a few insurance coverage companies.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • No Claims – Claim-free drivers can earn big discounts compared to drivers who are more careless.
  • Multi-policy Discount – If you have multiple policies with one company you may earn approximately 10% to 15%.
  • Passive Restraints – Factory air bags or automatic seat belts can get savings of more than 20%.
  • Drivers Education – Require your teen driver to complete a driver education course in school.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

A partial list of companies that may have these benefits are:

  • Esurance
  • The Hartford
  • AAA
  • GEICO
  • State Farm

Check with every prospective company what discounts are available to you. Some discounts might not apply everywhere.

Your Coverage Should be Tailored to You

When buying coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions might point out whether your personal situation might need an agent’s assistance.

  • Is my cargo covered for damage or theft?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I afford to buy a different vehicle if my 2014 Chevy Impala is totaled?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Why Your Chevy Impala Might be Costing You More

Smart consumers have a good feel for the different types of things that come into play when calculating car insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in better car insurance rates.

The list below includes a partial list of the pieces used by your company to calculate premiums.

  • Clean credit earns discounts – Credit score is a important factor in calculating your car insurance rates. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit ratings. If your credit rating is low, you could potentially save money when insuring your 2014 Chevrolet Impala by repairing your credit.
  • Lower rates come with age – More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers. Teen drivers are known to get distracted easily when driving and because of this, their car insurance rates are much higher.
  • Bundling policies can get discounts – The majority of insurance companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by splitting coverages up.
  • Having a spouse can save you money – Having a wife or husband helps lower the price on your policy. Having a spouse translates into being more mature and it’s proven that married couples file fewer claims.

Can you really save $477 a year?

Insurance providers like 21st Century, Allstate and State Farm continually stream television and radio advertisements. They all have a common claim of big savings after switching your policy. How can each company say the same thing? It’s all in the numbers.

Different companies have a preferred profile for the driver that is profitable for them. For instance, a desirable insured might be a mature driver, has no tickets, and drives less than 7,500 miles a year. Any driver who matches those parameters will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who are not a match for the requirements must pay higher rates and ends up with business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That’s the way companies can make the claims of big savings. This illustrates why it is so important to get quotes from several different companies. It’s just too difficult to predict which insurance company will provide you with the cheapest Chevy Impala insurance rates.

Coverages Available on Your Policy

Your 2014 Chevy Impala and the cost to insure it will be a large factor in determining which policy and coverage you’ll want to purchase. Understanding the coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability car insurance – Liability insurance provides protection from damage that occurs to other people or property. It protects YOU against other people’s claims, and does not provide coverage for 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 might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like bail bonds, pain and suffering, loss of income, structural damage and medical expenses. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, theft, damage from a tornado or hurricane and falling objects. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Impala.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverages – This will pay to fix damage to your Impala resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, prosthetic devices, X-ray expenses and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Shop Smart and Save

Cheaper 2014 Chevy Impala insurance is definitely available from both online companies as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance providers don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

You just read many ideas to shop for insurance online. The key concept to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.

While you’re price shopping online, do not reduce coverage to reduce premium. There are too many instances where an insured cut liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

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