Affordable Chevy Impala Insurance in Phoenix

Insurance for Chevy ImpalaHow long has it been since you sat down and looked for lower-priced Chevy Impala insurance in Phoenix? No sane person likes buying insurance, especially knowing the cost is too high.

Shockingly, the vast majority of insurance customers kept buying from the same company for more than four years, and nearly 40% of drivers have never taken the time to shop around. Phoenix drivers could save 50% each year just by shopping around, but they just don’t understand the big savings they would realize if they bought a different policy. With drivers having so many insurance providers from which to choose, it is very difficult to find the right insurance provider.

The intent of this article is to teach you the best way to quote coverages and how to save the most money. If you currently have a car insurance policy, you will surely be able to find better prices using the concepts you’re about to learn. Vehicle owners just need to understand the most efficient way to shop their coverage around using one simple form.

The following companies provide comparison quotes in Phoenix, AZ. If multiple providers are shown, we recommend you visit as many as you can in order to get a fair rate comparison.

Chevrolet Impala Insurance Costs in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $224 $480 $404 $24 $122 $1,254 $105
Impala LS $194 $456 $314 $18 $94 $1,076 $90
Impala LT $130 $226 $308 $18 $92 $774 $65
Impala LT $222 $442 $390 $24 $116 $1,194 $100
Impala LTZ $178 $382 $282 $16 $84 $942 $79
Impala LTZ $248 $620 $390 $24 $116 $1,398 $117
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in specific garaging location which can decrease or increase premiums noticeably.

How violations and accidents impact rates

The diagram below shows how violations and at-fault accidents impact Chevrolet Impala premium costs for different age groups. The premiums assume a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Chevrolet Impala liability-only versus full coverage

The example below visualizes the comparison of Chevrolet Impala car insurance rates with and without physical damage coverage. The rates are based on a clean driving record, no at-fault accidents, $250 deductibles, married male driver, and no discounts are applied to the premium.

When to drop comp and collision

There is no specific rule to exclude comp and collision coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your Chevrolet Impala claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after the deductible is paid. If you are currently paying more than $700 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should maintain full coverage.

Deductible analysis

When shopping for auto insurance, a common question is what deductibles to buy. The comparisons below outline the differences in premium rates when you select higher and lower physical damage deductibles. The first set of prices uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Chevrolet Impala insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $202 $390 $300 $18 $90 $1,025 $85
Impala LS $202 $390 $300 $18 $90 $1,025 $85
Impala LT $232 $390 $300 $18 $90 $1,055 $88
Impala LT $232 $390 $300 $18 $90 $1,055 $88
Impala LTZ $232 $460 $300 $18 $90 $1,125 $94
Impala LTZ $232 $460 $300 $18 $90 $1,125 $94
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Chevrolet Impala insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $124 $246 $300 $18 $90 $778 $65
Impala LS $124 $246 $300 $18 $90 $778 $65
Impala LT $144 $246 $300 $18 $90 $798 $67
Impala LT $144 $246 $300 $18 $90 $798 $67
Impala LTZ $144 $290 $300 $18 $90 $842 $70
Impala LTZ $144 $290 $300 $18 $90 $842 $70
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Table data does not factor in specific garaging location which can increase or decrease auto insurance rates noticeably.

Based on these figures, using a $250 deductible costs approximately $22 more each month or $264 for a full year than selecting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 34 months between claims, you would come out ahead by selecting a higher deductible.

Lower rates by qualifying for discounts

Some providers don’t always list all possible discounts in a way that’s easy to find, so the list below contains a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.Discount car insurance

Consumers should know that most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it’s just not the way it works.

Some of the larger companies who may offer some of the above discounts may include but are not limited to:

If you want low cost Phoenix car insurance quotes, ask every prospective company to give you their best rates. Some discounts listed above might not be offered everywhere. To see companies that provide some of the discounts listed above in Arizona, follow this link.

Independent versus exclusive insurance agents

Some consumers would prefer to buy from a local agent and that is not a bad decision Agents will help you protect your assets and help file insurance claims. One of the great benefits of comparing insurance prices online is you can get better rates and also buy local. And buying from local agencies is important especially in Phoenix.

Upon completion of this quick form, your coverage information is immediately sent to companies in Phoenix who will give you quotes to get your business. You won’t even need to contact an agency as quotes are delivered instantly to you. If you have a need to quote rates from a particular provider, you just need to go to their quote page and fill out the quote form the provide.

The following are agents in Phoenix that can give you rate quotes for Chevy Impala insurance in Phoenix.

4731 N Central AvePhoenix, AZ 85012(602) 995-9334View Map

2880 E Northern Ave #100Phoenix, AZ 85028(602) 992-9750View Map

4030 E Bell Rd #112Phoenix, AZ 85032(602) 266-2050View Map

5628 E Thomas RdPhoenix, AZ 85018(480) 990-1900View Map

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Finding the right insurance company requires you to look at more than just a cheap price. You should also get answers to these questions.

Once you have reasonable responses to these questions and locked in a price quote, you may have just found a company that meets the criteria to properly service your insurance policy.

Why Smart Buyers Pay Less for Chevy Impala Insurance

Many factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but others are less obvious like your continuous coverage or how financially stable you are. The best way to find cheaper car insurance is to take a look at the different types of things that go into determining the level of your policy premiums. If you have a feel for what impacts premium levels, this enables informed choices that may result in much lower annual insurance costs.

Three main reasons to buy car insurance

Despite the high insurance cost for a Chevy Impala in Phoenix, insuring your vehicle is required by state law in Arizona and it also provides benefits you may not be aware of.

The benefits of buying car insurance more than cancel out the cost, especially when you need to use it. According to a recent study, the average American driver is wasting up to $800 each year so compare quotes from several companies at every policy renewal to ensure rates are inline.

A conclusion for your auto insurance search

When getting Phoenix car insurance quotes online, never reduce needed coverages to save money. Too many times, an accident victim reduced collision coverage only to find out that the savings was not a smart move. The proper strategy is to find the BEST coverage for the lowest cost while still protecting your assets.

We just covered some good ideas how you can save on Chevy Impala insurance in Phoenix. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest Chevrolet Impala rate quotes. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies often have lower car insurance rates on specific markets than their larger competitors like State Farm or Progressive.

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