Find Affordable Chevy Impala Insurance in Raleigh

Searching for low-cost auto insurance rates in Raleigh, NC? Raleigh shoppers have many options when shopping for low-cost Chevy Impala insurance. You can either spend your time struggling with agents getting price quotes or utilize the internet to compare rates. There are both good and bad ways to find auto insurance online and we’ll show you the best way to compare rates on a Chevy and obtain the lowest possible price either online or from Raleigh insurance agents.

The most recommended method to compare insurance rates from multiple companies utilizes the fact most of the larger companies allow for online access to quote your coverage. All consumers are required to do is spend a couple of minutes providing details such as the make and model of your vehicles, your general credit rating, what you do for a living, and if you have an active license. Those rating factors is automatically sent to all major companies and they respond with quotes instantly to find the best rate.

To compare cheap Chevy Impala insurance rates now, click here and find out if lower rates are available in Raleigh.

The companies shown below have been selected to offer quotes in Raleigh, NC. To buy cheaper auto insurance in Raleigh, NC, we suggest you visit several of them to get the lowest price.

Discount Raleigh auto insurance quotes

Auto insurance companies don’t always publicize every possible discount in an easy-to-find place, so the list below contains some of the best known in addition to some of the lesser obvious credits available to you. If they aren’t giving you every credit you qualify for, it’s possible you qualify for a lower rate.

• Home Ownership Discount – Owning a home in Raleigh can help you save on auto insurance because it is proof that your finances are in order.
• Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
• Early Signing – Select larger companies give a discount for switching to them prior to the expiration date on your current Impala insurance policy. It’s a savings of about 10%.
• Active Military Service – Being on active deployment in the military could trigger a small discount.
• Anti-theft Discount – Cars with anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Defensive Driving Course – Taking a defensive driving course could save 5% or more if you qualify.
• Multiple Vehicles – Buying insurance for multiple vehicles with the same auto insurance company qualifies for this discount.
• Air Bag Discount – Factory options such as air bags or motorized seat belts may earn rate discounts of 20% or more.

One thing to note about discounts is that some credits don’t apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will help reduce the premium cost.

The information below shows the comparison of Chevy Impala insurance costs with and without discounts. The costs are based on a male driver, no claims, a clean driving record, North Carolina state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-car, homeowner, and multi-policy discounts applied.

Companies and a summarized list of policyholder discounts can be read below.

• American Family offers discounts including mySafetyValet, bundled insurance, TimeAway discount, early bird, good student, accident-free, and good driver.
• State Farm may offer discounts for Drive Safe & Save, multiple policy, defensive driving training, student away at school, Steer Clear safe driver discount, anti-theft, and driver’s education.
• 21st Century policyholders can earn discounts including automatic seat belts, anti-lock brakes, driver training, early bird, and 55 and older.
• Travelers may include discounts for IntelliDrive, driver training, continuous insurance, student away at school, and good student.
• GEICO offers premium reductions for military active duty, seat belt use, daytime running lights, five-year accident-free, and good student.

If you want the cheapest Chevrolet Impala rate quotes, ask each insurance company to apply every possible discount. Some of the discounts discussed earlier may not apply to policyholders in Raleigh. If you would like to see a list of insurance companies that can offer you the previously mentioned discounts in North Carolina, click here to view.

Chevy Impala coverage analysis

The table displayed below covers a range of insurance coverage prices for Chevy Impala models. Having a good grasp of how premiums are figured can assist in making informed decisions when comparing rates.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can influence insurance rates considerably.

Car insurance deductibles

When shopping for car insurance, a common question is at what level do you set your deductibles. The data tables below lay out the price difference when you select higher and lower deductibles. The first set of rates uses a $100 deductible and the second rate table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Table data does not factor in zip code location which can decrease or increase price quotes substantially.

Based on this data, using a $100 deductible will cost you approximately $25 more each month or $300 each year across all Chevrolet Impala models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 36 months between claim filings, you would probably come out ahead by going with a higher deductible. Here is a better example of how this calculation is made.

One thing to be aware of is that higher deductibles results in having to pay to pay more out-of-pocket when you do file a claim. You will want to have enough money stashed away in order to pay the higher deductible in order to repair your vehicle.

How accidents and violations affect rates

The illustration below shows how speeding tickets and at-fault accidents can affect Chevy Impala car insurance costs for different ages of insureds. The premiums assume a married male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

How much more does full coverage cost?

The example below illustrates the difference between Chevy Impala insurance costs with and without full coverage. Data assumes a clean driving record, no claims, $250 deductibles, single status, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no set guideline of when to eliminate physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Chevy Impala replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after you pay the deductible. If you are paying in excess of $800 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some cases where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Local agents and car insurance

Some consumers still prefer to go talk to an agent and that is recommended in a lot of cases Professional insurance agents can help you build your policy and help in the event of a claim. One of the great benefits of comparing car insurance online is that drivers can save money and get cheaper rates but also keep your business local.

To help locate an agent, after submitting this form (opens in new window), the quote information is transmitted to companies in Raleigh who will give you quotes for your car insurance coverage. There is no reason to leave your computer as quotes are delivered directly to your email. If for some reason you want to get a comparison quote from one company in particular, don’t hesitate to find their quoting web page and submit a quote form there.

Picking an company should depend on more than just the bottom line cost. Any agent in Raleigh should be forthright in answering these questions:

• Does the agent recommend any additional coverage?
• Do they offer rental car reimbursement?
• How often do they review coverages?
• Are they paid to recommend certain coverages?
• Is there a 24/7 contact number?
• How would your car be valued if totaled?
• Is the quote a firm price?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

If you want to use a reliable insurance agency, there are a couple of different agency structures and how they function. Car insurance agents may be either exclusive agents or independent agents. Either can do a good job, but it’s important to point out the difference in how they write coverage because it can factor into buying decisions.

Exclusive Agencies

These type of agents work for only one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot shop your coverage around so they have to upsell other benefits. Exclusive agents are highly trained on their company’s products which can be an advantage. A lot of people buy from the same agent for years partially due to loyalty to the company and strong financial ratings.

Shown below is a list of exclusive agencies in Raleigh willing to provide price quote information.

• Cecil Burt – State Farm Insurance Agent
  6837 Falls of Neuse Rd #104 – Raleigh, NC 27615 – (919) 846-8006 – View Map
• Allstate Insurance: Jay Adkins
  1033 Oberlin Rd Ste 200 – Raleigh, NC 27605 – (919) 755-1133 – View Map
• Carmen Ritz – State Farm Insurance Agent
  1814 Oberlin Rd #101 – Raleigh, NC 27608 – (919) 783-8722 – View Map

More Raleigh agents

Independent Car Insurance Agencies

Independent insurance agents are not required to write business for one company and that allows them to write policies with a variety of different insurance companies depending on which coverage is best. If prices rise, they simply move your policy to a different company and that require little work on your part. When shopping rates, you need to get rate quotes from several independent insurance agents for the best price selection. Most also have access to companies that do not advertise much that may have much lower rates than larger companies.

Listed below is a list of independent insurance agencies in Raleigh that can give you rate quotes.

• Durfey-Hoover-Bowden Insurance Agency
  3741 Benson Dr – Raleigh, NC 27609 – (919) 790-6415 – View Map
• Nationwide Insurance: Christopher D Edwards Agency
  3901 Capital Blvd Ste 121 – Raleigh, NC 27604 – (919) 872-0130 – View Map
• Nationwide Insurance: Carter Glass Insurance Agency
  5901 Falls of Neuse Rd – Raleigh, NC 27609 – (919) 872-1778 – View Map

More Raleigh agents

Choices You Make Can Impact Your Insurance Rates

An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating the rates you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find cheaper rates. Many factors are part of the equation when quoting car insurance. Most are fairly basic such as traffic violations, but some are less obvious like your continuous coverage or your commute time.

• Men drivers tend to cost more – Statistics have proven that women are safer drivers than men. The data does not necessarily mean that men are WORSE drivers than women. Both genders have auto accidents in similar percentages, but males tend to have higher claims. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents so they pay the highest premiums.

  The diagram below compares Chevy Impala insurance costs for male and female drivers. The rate quotes are based on no accidents, no driving violations, comp and collision included, $250 deductibles, single marital status, and no discounts are factored in.

• Teenagers are high risk – Teenage drivers in North Carolina are statistically proven to be more careless when driving therefore auto insurance rates are much higher. More mature drivers tend to be more responsible, statistically cause fewer accidents, and usually have better credit.

  The chart below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Better rates on safer vehicles – Vehicles with good safety scores tend to have lower insurance rates. Safer cars reduce injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If your Chevy Impala earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
• Deter theft and save – Buying a car with an alarm system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.
• Defend yourself with liability – A critical coverage on your policy, liability insurance will protect you if a jury decides you are liable for damages from an accident. It provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
• Insurance companies don’t like frequent insurance claims – Companies in North Carolina award the best rates to people who are claim-free. If you’re an insured who likes to file claims you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.

• Chevy Impala insurance loss data – Insurance companies use past insurance losses to calculate a rate that will offset losses. Models that are shown to have higher losses will have higher rates for specific coverages.

  The next table illustrates the historical insurance loss data for Chevy Impala vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of make or model, equals 100. Values that are 100 or less suggest losses that are better than average, while values over 100 indicate a higher chance of having a claim or statistically larger claims.

  
  

  Chevrolet Impala Insurance Claim Statistics

  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

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

Three main reasons to buy car insurance

Despite the high cost of buying insurance for a Chevy Impala in Raleigh, insuring your vehicle is a good idea for several reasons.

• Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage in order to be legal. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a loan on your Chevy Impala, more than likely the lender will force you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank will be required to insure your Chevy at a significantly higher premium and require you to reimburse them for the expensive policy.
• Insurance safeguards both your assets and your Chevy Impala. It also can pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance greatly outweigh the cost, particularly for liability claims. According to a recent study, the average American driver overpays as much as $830 a year so it’s recommended you shop around at every policy renewal to save money.

The best insurance company isn’t always the cheapest

Consumers switch companies for a variety of reasons including poor customer service, high prices, questionable increases in premium and even unfair underwriting practices. Whatever your reason, switching auto insurance companies is not as hard as you think.

When you buy Raleigh auto insurance online, never skimp on coverage in order to save money. In too many instances, an accident victim reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at the best possible price, but do not skimp to save money.

Some auto insurance companies don’t offer the ability to get quotes online and usually these smaller companies prefer to sell through independent insurance agencies. Budget-friendly auto insurance in Raleigh is possible on the web in addition to many Raleigh insurance agents, so you should compare both to have the best rate selection.

How to find affordable quotes for Chevy Impala insurance in Raleigh

The easiest way to get cheaper Chevy Impala insurance in Raleigh is to start comparing prices regularly from insurers who sell insurance in North Carolina.

First, spend a few minutes and learn about coverages and the steps you can take to drop your rates. Many things that result in higher prices such as speeding and a not-so-good credit rating can be amended by being financially responsible and driving safely.

Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like Progressive or Allstate, while independent agents can quote prices from multiple insurance companies.

Third, compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you find a better price, ensure coverage does not lapse between policies.

Fourth, give notification to your current company of your intention to cancel your existing policy. Submit a completed policy application and payment for your new policy. As soon as you have the new policy, safely store the proof of insurance paperwork along with your vehicle registration.

A tip to remember is to compare identical deductibles and limits on each price quote and and to analyze as many different insurance providers as possible. Doing this guarantees a fair rate comparison and maximum price selection.

Additional auto insurance information can be read at these links:

• Medical Payments Coverage (Liberty Mutual)
• Who Has the Cheapest Car Insurance Rates for a Learners Permit in Raleigh? (FAQ)
• What Car Insurance is Cheapest for a Toyota Tundra in Raleigh? (FAQ)
• Think You’re a Safe Driver? (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Auto Insurance Learning Center (State Farm)
• How to shop for a safer car (Insurance Institute for Highway Safety)