Affordable Insurance for a Chevy Impala in Chandler

Truthfully, the best way to get discount Chevy Impala insurance in Chandler is to regularly compare prices from providers in Arizona. You can compare prices by following these steps.

• First, learn about what coverages are included in your policy and the changes you can make to keep rates low. Many risk factors that increase rates such as traffic violations and poor credit rating can be amended by making small lifestyle or driving habit changes. Later in this article we will cover information to lower rates and get discounts that may be available to you.
• Second, compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO and Allstate, while independent agencies can give you price quotes for many different companies. View companies
• Third, compare the new rates to your existing policy to see if switching to a new carrier will save money. If you can save money, make sure there is no coverage gap between policies.
• Fourth, give proper notification to your current agent or company of your decision to cancel the current policy and submit payment and a signed application for your new coverage. As soon as you receive it, place your new proof of insurance paperwork in your glove compartment.

A good tip to remember is that you’ll want to compare identical coverages on every price quote and and to get quotes from all possible companies. Doing this guarantees an apples-to-apples comparison and a complete price analysis.

Statistics show that nearly 70% of consumers have bought car insurance from the same company for more than four years, and 38% of customers have never taken the time to shop around. Consumers in Arizona could cut their rates by up to $700 a year, but they just don’t understand how much money they would save if they switched to a cheaper policy.

Locating the best rates in Chandler is quite easy if you know the best way to do it. If you are insured now or are looking for a new policy, use these money-saving tips to reduce premiums while maintaining coverages. Smart shoppers just have to understand the proper methods to compare rate quotes instantly.

Most larger insurance companies allow you to get pricing direct online. Getting quotes for Chevy Impala insurance in Chandler is possible for anyone because you just enter the coverages you want on the page. After you submit the form their rating system obtains credit information and your driving record and returns pricing information. The ability to get online price quotes for Chevy Impala insurance in Chandler makes it easy to compare insurance prices and it is important to compare as many rates as possible in order to find the lowest payment possible.

To save time and compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you enter deductibles and limits exactly as they are listed on your policy. Doing this assures you will have rate comparison quotes for exact coverage.

The companies shown below offer quotes in Arizona. If you want cheap car insurance in Chandler, AZ, we suggest you compare several of them to get the best price comparison.

Protect more than your Impala

Even though it’s not necessarily cheap to insure a Chevy in Chandler, paying for car insurance is required by state law in Arizona and it also provides benefits you may not be aware of.

First, just about all states have mandatory insurance requirements which means you are required to carry specific limits of liability protection in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Impala has a loan, more than likely the lender will make it mandatory that you have insurance to protect their interest in the vehicle. If the policy lapses, the lender may insure your Chevy for a lot more money and make you pay much more than you were paying before.

Third, car insurance preserves your Chevy Impala and your assets. It will also reimburse you for medical transport and hospital expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If you have damage to your Chevy as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance more than cancel out the cost, particularly if you ever have a claim. As of last year, the average driver in Arizona overpays as much as $865 each year so shop around every year to ensure rates are inline.

Chevy Impala insurance rates and statistics

The rate information shown below outlines detailed analysis of prices for Chevy Impala models. Knowing how car insurance premiums are formulated can help drivers make smart choices when comparing insurance quotes.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can modify price quotes substantially.

Auto insurance deductibles

When comparing auto insurance rates, the most common question is how high or low should comp and collision deductibles be. The data tables below help summarize the differences in price between low and high insurance deductibles. The first set of prices uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific zip code location which can lower or raise premiums greatly.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $22 more each month or $264 each year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 34 months between claim filings, you would more than likely save some money if you choose a higher deductible.

Male drivers versus female drivers

The illustration below compares Chevy Impala car insurance costs for male and female drivers. The premiums are based on no claims, a clean driving record, full physical damage coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

Rate difference between full and liability-only coverage

The example below illustrates the comparison of Chevy Impala insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rate quotes are based on a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

When to drop comprehensive and collision coverage

There is no exact formula for phasing out comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Chevy Impala settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after the deductible is paid. If you are currently paying more than $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some conditions where eliminating full coverage is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Get affordable Chevy Impala insurance in Chandler with discounts

Some providers do not list every policy discount very clearly, so the next list breaks down some of the more common as well as the least known discounts that may be available.

• Save over 55 – Seniors may qualify for better insurance rates.
• Pay Upfront and Save – If paying your policy premium upfront rather than spreading payments over time you may reduce your total bill.
• Paperwork-free – Some of the larger companies give back up to $50 just for signing your application on the internet.
• Defensive Driving Course – Taking part in a class that teaches safe driver techniques may get you a small discount if your company offers it.
• Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could qualify for slightly better rates than normal.
• Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
• Club Memberships – Belonging to qualifying clubs or civic groups could qualify you for a break on your next insurance statement.
• Bundled Policy Discount – If you can bundle your home and auto insurance with one insurance company you may save approximately 10% to 15%.

We need to note that some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, it’s just not the way it works. But all discounts will bring down your overall premium however.

The information below shows the comparison of Chevy Impala annual premium costs with and without policy discounts. The premiums are based on a male driver, no violations or claims, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, homeowner, claim-free, and multi-policy discounts applied.

Popular insurance companies and a partial list of their discounts are outlined below.

• Farmers Insurance policyholders can earn discounts including distant student, teen driver, multi-car, early shopping, and electronic funds transfer.
• Esurance has discounts for homeowner, anti-theft, claim free, renters, paid-in-full, and defensive driver.
• State Farm may have discounts that include good student, Steer Clear safe driver discount, defensive driving training, driver’s education, student away at school, anti-theft, and safe vehicle.
• GEICO may include discounts for daytime running lights, membership and employees, air bags, anti-lock brakes, and anti-theft.
• Allstate discounts include 55 and retired, early signing, multi-policy, premier plus, and new car.

If you need lower rates, check with every insurance company how you can save money. Discounts might not be offered in your state. If you would like to choose from a list of companies that provide some of the discounts listed above in Arizona, click here.

Do I need special coverages?

Keep in mind that when it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply.
These are some specific questions can help discover whether you would benefit from professional advice.

• Are all vehicle passengers covered by medical payments coverage?
• Does coverage extend to a rental car in a foreign country?
• How much will a speeding ticket raise my rates?
• Am I covered when driving on a suspended license?
• Does my Chevy Impala need full coverage?
• Does my insurance cover a custom paint job?
• Is business property covered if stolen from my car?

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, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.