Affordable Insurance for a Chevy Impala in Sacramento

Want the cheapest Chevy Impala insurance in Sacramento? No one likes paying for car insurance, particularly when they could find lower prices if they just compared rates.

A recent study showed that 70% of consumers have stayed with the same insurance company for more than four years, and almost 40% of drivers have never compared rates to find cheap insurance. With the average premium in the United States being $1,847, drivers could save about $860 a year just by shopping around, but most tend to underestimate the large savings they would see if they switched to a cheaper policy.

Steps to saving money on Chevy Impala insurance in Sacramento

It takes a few minutes, but the best way to find cheaper quotes for Chevy Impala insurance is to make a habit of comparing prices annually from companies in Sacramento.

• First, spend a few minutes and learn about how insurance companies determine prices and the factors you can control to prevent high rates. Many policy risk factors that result in higher rates like speeding tickets, accidents and an imperfect credit score can be rectified by making small lifestyle or driving habit changes.
• Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple companies. Begin your rate comparison
• Third, compare the new quotes to your existing policy to see if a cheaper price is available in Sacramento. If you find a lower rate quote, make sure there is no coverage gap between policies.
• Fourth, give notification to your agent or company to cancel your current auto insurance policy. Submit a signed application and payment for the new coverage. Immediately upon receiving it, place your new proof of insurance certificate with the vehicle registration.

The most important part of this process is that you use the same deductibles and limits on each quote request and and to get prices from as many companies as possible. Doing this helps ensure a level playing field and the best rate selection.

Because you have many car insurance companies to choose from, it’s difficult to locate the lowest cost car insurance company.

It’s a good idea to shop coverage around every six months because insurance prices are variable and change quite frequently. Even if you got the best price on Chevy Impala insurance in Sacramento a couple years back a different company probably has better rates today. Ignore everything you know about car insurance because you’re about to learn the fastest way to lower your rates without sacrificing coverage.

These tips will introduce you to how car insurance works and also pocket some savings If you have a policy now, you will be able to lower your rates using these methods. Drivers just need to know the best way to compare prices from many different companies online.

The companies shown below have been selected to offer comparison quotes in California. In order to find cheaper auto insurance in Sacramento, CA, we recommend you compare several of them in order to find the most affordable rates.

These discounts can lower your insurance quotes

Some insurers don’t always publicize the entire discount list in an easy-to-find place, so we took the time to find a few of the more well known in addition to some of the lesser obvious insurance savings.

• Telematics Data Discounts – Insureds that choose to allow their company to study when and where they use their vehicle by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as they are good drivers.
• One Accident Forgiven – This isn’t a discount exactly, but some companies like State Farm and GEICO may permit one accident without raising rates if you are claim-free for a set time period.
• Responsible Drivers – Drivers who don’t get into accidents may receive a discount up to 45% than less cautious drivers.
• More Vehicles More Savings – Insuring several vehicles on a single policy qualifies for this discount.
• Employee of Federal Government – Active or former government employment may reduce rates when you quote Sacramento auto insurance depending on your company.
• Paperwork-free – A few larger online companies may give you up to $50 just for signing your application on their website.

Keep in mind that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, you won’t be that lucky.

The diagram below compares Chevy Impala insurance prices with and without discounts being applied to the rates. The rates are based on a male driver, no claims or driving citations, California 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 homeowner, safe-driver, marriage, claim-free, multi-car, and multi-policy discounts applied.

Companies and a partial list of their discounts are included below.

• GEICO may have discounts that include daytime running lights, five-year accident-free, multi-policy, anti-lock brakes, air bags, and military active duty.
• Travelers policyholders can earn discounts including continuous insurance, multi-policy, hybrid/electric vehicle, good student, and driver training.
• Nationwide has discounts for easy pay, anti-theft, Farm Bureau membership, business or organization, family plan, accident-free, and defensive driving.
• Farmers Insurance may offer discounts for youthful driver, electronic funds transfer, mature driver, switch companies, and multi-car.
• Esurance may include discounts for claim free, good driver, anti-lock brakes, Pac-12 alumni, emergency road assistance, and good student.
• State Farm includes discounts for passive restraint, safe vehicle, multiple autos, student away at school, good driver, Drive Safe & Save, and anti-theft.
• Progressive offers discounts for online quote discount, good student, continuous coverage, online signing, and multi-policy.
• Mercury Insurance offers discounts including accident-free, multi-policy, ease of repair, good student, location of vehicle, age of vehicle, and good driver.

If you are trying to find the cheapest Chevrolet Impala rate quotes, ask each insurance company which discounts you qualify for. Depending on the company, some discounts might not be offered in Sacramento. If you would like to view companies with significant discounts in Sacramento, click here.

Chevy Impala detailed coverage information

The data table shown next outlines detailed analysis of coverage prices for Chevy Impala models. Having a good grasp of how auto insurance prices are formulated is important for making decisions on the best policy coverages.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in vehicle garaging location which can raise or lower price quotes considerably.

Rate comparison for different deductibles

One of the most common car insurance questions is how high should the deductibles for physical damage be. The premium rates below may help to illustrate how much more rates are when you buy lower versus higher deductibles. The first rate comparisons uses a $250 deductible and the second price table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in specific location information which can change price quotes considerably.

Based on the figures above, using a $250 deductible costs roughly $31 more each month or $372 a year than opting for the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 24 months between claim filings, you would come out ahead if you decide on a higher deductible.

An important thing to remember is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket when you have to file a claim. You need to have some savings in order to pay more for the deductible.

The chart below illustrates how choosing a deductible and can impact Chevy Impala insurance costs for different age categories. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Car insurance premiums based on gender

The diagram below shows the comparison of Chevy Impala insurance premiums for male and female drivers. The price estimates are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied.

Full coverage or liability only

The example below illustrates the comparison of Chevy Impala auto insurance costs with liability coverage only compared to full coverage. The costs are based on no accidents or driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.

Should you pay for full coverage?

There is no set rule for eliminating full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s say your Chevy Impala settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $7,000 after paying your deductible. If it’s costing you more than $700 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some situations where only buying liability is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Learn How to Lower Your Insurance Premiums

When buying auto insurance it’s important to understand the different types of things that go into determining auto insurance rates. When you know what positively or negatively determines premiums, this enables you to make decisions that may reward you with lower rates.

• Better drivers pay less – Just one driving citation may increase your cost twenty percent or more. Good drivers pay less for auto insurance than people who have multiple driving citations. Drivers who have severe tickets such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.

  The example below highlights how speeding tickets and at-fault fender-benders can increase Chevy Impala car insurance rates for each age group. The rate quotes are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

• Buy as much liability insurance as you can afford – Liability insurance will provide protection when you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides for a legal defense to defend your case. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Pay more if you have a long commute – Living in a rural area has definite advantages when shopping for auto insurance. Drivers who live in large cities tend to have much more traffic and much longer commute distances. Fewer drivers and short commutes means less chance of accidents as well as less vandalism and auto theft.
• Do safer cars cost less to insure? – Cars with five star safety ratings can get you lower premiums. These vehicles reduce the chance of injuries and fewer serious injuries means less money paid by your insurance company and thus lower rates. If your Chevy is rated at a minimum four stars on Safercar.gov it is probably cheaper to insure.
• Rates can drop if you have more than one policy – The majority of companies will give lower prices to customers that buy multiple policies, otherwise known as a multi-policy discount. Even if you’re getting this discount consumers should still compare other Sacramento Impala insurance rates to guarantee you are still saving the most.There is a chance you can find better rates by buying from different companies
• Certain jobs pay higher premiums – Careers like real estate brokers, police officers, and accountants generally have higher average rates due to intense work requirements and long work hours. On the other hand, jobs like professors, students and the unemployed have the lowest average rates.

• Chevy Impala insurance claim data – Car insurance companies analyze past claim statistics as a way to help calculate a profitable premium price. Vehicles that historically have higher claim amounts or frequency will have a higher premium rate. The table shown below demonstrates the historical loss data for Chevy Impala vehicles.

  For each coverage type, the loss probability for all vehicles, as a total average, is represented as 100. Percentages below 100 suggest a positive loss record, while values over 100 indicate more frequent claims or tendency to have higher losses.

  
  

  Insurance Loss Ratings for Chevrolet Impala Vehicles

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Chevrolet Impala	104	89	135	122	122	104
  Chevrolet Impala Limited	100	115	79	142	148	153

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years