2016 Chevrolet Impala Limited Car Insurance Cost in 2024 – 5 Tips for Cheaper Prices

I can’t think of a single person who rejoices having to buy insurance, especially knowing they could find better prices if they shop around. Companies like Allstate and Progressive continually hit you with TV and radio ads and it is difficult to see through the deception and effectively compare rates to find the best deal.

If you have a policy now or need new coverage, you can use these tips to find the best rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Drivers just need to understand how to get comparison quotes online.

Low cost car insurance prices

Getting a cheaper price on 2016 Chevy Impala Limited insurance is not rocket science. You just have to spend a few minutes on the computer comparing free insurance quotes online from several insurance companies. Rate comparisons can be done using one of these methods.

1. The easiest and least time consuming way to compare a lot of rates at once is to use a rate comparison form. This method prevents you from having to do separate quote forms for every company. Filling out one form gets coverage cost estimates direct from many companies.
2. Another way to find better pricing consists of going to each company’s website to complete a price quote. For sake of this example, we’ll assume you want to compare rates from Allstate, Progressive and Travelers. To do that, you would have to go to each individual site to input your insurance information, which can get rather old.
3. The least efficient and most time consuming method to get rate quotes is calling or driving to and from local insurance agencies. Comparing online rate quotes reduces the need to sit down with an agent unless you prefer the guidance that can only be provided by a licensed insurance agent. Some companies do allow you to find lower rates online but have a local agent actually write the policy.

Take whichever approach you prefer, but do your best to use equivalent deductibles and coverage limits for every company. If each company quotes differing limits you will not be able to find the best deal for your Chevy Impala Limited.

Use discounts to get cheaper insurance coverage rates

Some providers don’t always list all available discounts very well, so the next list breaks down a few of the more common and the harder-to-find discounts that may be available.

• Renewal Discounts – A few larger companies allow discounts for switching policies before your current expiration date. It could save around 10% when you buy insurance online.
• Payment Method – By paying your entire bill at once rather than paying in monthly installments you can avoid monthly service charges.
• Senior Citizen Rates – If you qualify as a senior citizen, you are able to get lower premium rates for Impala Limited coverage.
• Multi-Vehicle Discounts – Buying a policy with multiple cars or trucks on one policy could earn a price break for each car.
• Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Impala Limited coverage with select insurance companies.

Just know that many deductions do not apply to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The best insurance coverage companies and a selection of discounts are included below.

• GEICO discounts include membership and employees, federal employee, seat belt use, military active duty, anti-theft, and anti-lock brakes.
• MetLife may offer discounts for good student, good driver, accident-free, multi-policy, defensive driver, and claim-free.
• Progressive offers discounts for homeowner, good student, multi-policy, multi-vehicle, and online quote discount.
• Travelers offers discounts including home ownership, multi-car, continuous insurance, IntelliDrive, and hybrid/electric vehicle.
• SAFECO has savings for bundle discounts, accident prevention training, safe driver, anti-lock brakes, and drive less.
• AAA has discounts for good driver, pay-in-full, multi-policy, education and occupation, AAA membership discount, and multi-car.

When getting a coverage quote, ask each company or agent which credits you are entitled to. Some discounts might not be offered in your area. If you would like to choose from a list of companies who offer online insurance coverage quotes, enter your zip code here.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help highlight if your situation might need professional guidance.

• Am I covered when pulling a rental trailer?
• Is my nanny covered when driving my vehicle?
• Am I covered if I wreck a rental car?
• Do I need added coverage for expensive stereo equipment?
• Am I covered if my car is in a flood?
• If my pet gets injured in an accident are they covered?
• Can my teen drive my company car?
• Can I rent a car in Mexico?
• What is an SR-22 filing?
• Am I better off with higher deductibles on my 2016 Chevy Impala Limited?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Learning about specific coverages of insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Liability coverage

Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as medical services, repair bills for other people’s vehicles, structural damage and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Impala Limited.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, vandalism, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, colliding with a tree, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses for dental work, hospital visits, doctor visits, funeral costs and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Smart consumers save more

Cheap 2016 Chevy Impala Limited insurance can be bought both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide price quotes online and these small, regional companies only sell coverage through independent insurance agents.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. In many cases, an insured cut collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.