Find Affordable Chevy Impala Insurance in Raleigh

Insurance for Chevy ImpalaSearching 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.Cheaper auto insurance with discounts

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.

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.

Chevrolet Impala Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $136 $262 $250 $14 $74 $736 $61
Impala LS $136 $262 $250 $14 $74 $736 $61
Impala LT $156 $262 $250 $14 $74 $756 $63
Impala LT $156 $262 $250 $14 $74 $756 $63
Impala LTZ $156 $308 $250 $14 $74 $802 $67
Impala LTZ $156 $308 $250 $14 $74 $802 $67
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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.

Chevrolet Impala insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $186 $386 $250 $14 $74 $935 $78
Impala LS $186 $386 $250 $14 $74 $935 $78
Impala LT $214 $386 $250 $14 $74 $963 $80
Impala LT $214 $386 $250 $14 $74 $963 $80
Impala LTZ $214 $456 $250 $14 $74 $1,033 $86
Impala LTZ $214 $456 $250 $14 $74 $1,033 $86
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Chevrolet Impala insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $104 $204 $250 $14 $74 $646 $54
Impala LS $104 $204 $250 $14 $74 $646 $54
Impala LT $118 $204 $250 $14 $74 $660 $55
Impala LT $118 $204 $250 $14 $74 $660 $55
Impala LTZ $118 $240 $250 $14 $74 $696 $58
Impala LTZ $118 $240 $250 $14 $74 $696 $58
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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.

Average monthly premium for $100 deductibles: $81
Average monthly premium for $1,000 deductibles (subtract): – $56
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

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.

Insurance agency in RaleighTo 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:

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.

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.

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.

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.

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: