Affordable Chevy Impala Insurance in Mesa

Insurance for Chevy ImpalaThe easiest way to find better pricing on Chevy Impala insurance in Mesa is to make a habit of comparing prices annually from different companies that insure vehicles in Arizona. You can compare rates by following these steps.

  1. Try to learn about coverages and the things you can control to prevent expensive coverage. Many rating criteria that result in higher rates such as traffic citations, accidents, and a low credit rating can be controlled by being financially responsible and driving safely.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes for a wide range of companies.
  3. Compare the new quotes to the premium of your current policy and see if you can save money. If you find a lower rate and decide to switch, make sure there is no coverage gap between policies.
  4. Provide notification to your current company to cancel your existing policy and submit the signed application along with the required initial payment to the new insurer. As soon as you can, place the new proof of insurance paperwork with your registration paperwork.

The most important part of this process is to use identical deductibles and limits on each quote and and to get price estimates from as many companies as possible. This provides an apples-to-apples comparison and maximum price selection.

It’s hard to believe, but the vast majority of auto insurance customers in Arizona kept their coverage with the same auto insurance company for over three years, and 38% of drivers have never even compared rates from other companies. Many consumers in the United States can cut their rates by $850 a year, but they won’t spend time to find lower-cost rates by getting comparison quotes.

If you have insurance now, you stand a good chance to be able to find better prices using these tips. Quoting and comparing the most affordable car insurance coverage in Mesa is not as time-consuming as you think. But Arizona car owners must understand the way insurance companies price insurance differently because it varies considerably.

Affordable companies for Chevy Impala insurance in Arizona

The companies shown below can provide free quotes in Mesa, AZ. If you want to find the best cheap car insurance in Mesa, we recommend you visit two to three different companies to get a more complete price comparison.

Chevy Impala coverage analysis

The rate table displayed next outlines estimates of coverage costs for Chevy Impala models. Being able to understand how policy premiums are formulated is important for drivers to make informed decisions when comparing rate quotes.

Chevrolet Impala Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $218 $456 $306 $18 $92 $1,090 $91
Impala LS $218 $456 $306 $18 $92 $1,090 $91
Impala LT $250 $456 $306 $18 $92 $1,122 $94
Impala LT $250 $456 $306 $18 $92 $1,122 $94
Impala LTZ $250 $538 $306 $18 $92 $1,204 $100
Impala LTZ $250 $538 $306 $18 $92 $1,204 $100
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Estimates do not factor in garaging location in Mesa which can increase or decrease coverage rates noticeably.

Policy deductibles

One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The rates shown below can help you visualize the rate fluctuation of buying low and high insurance deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Chevrolet Impala insurance premium estimates 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 premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $164 $314 $300 $18 $90 $886 $74
Impala LS $164 $314 $300 $18 $90 $886 $74
Impala LT $188 $314 $300 $18 $90 $910 $76
Impala LT $188 $314 $300 $18 $90 $910 $76
Impala LTZ $188 $370 $300 $18 $90 $966 $81
Impala LTZ $188 $370 $300 $18 $90 $966 $81
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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 claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can lower or raise premiums significantly.

Based on the above data, using a $250 deductible costs about $12 more each month or $144 each year averaged for all Impala models than choosing the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 21 months between claims, you would probably save some money going with the higher deductible.

The example below illustrates how your deductible choice and can affect Chevy Impala insurance costs for different ages of insureds. The rates are based on a single male driver, comp and collision included, and no other discounts are factored in.

Does it make sense to buy full coverage?

The illustration below illustrates the difference between Chevy Impala car insurance rates with full physical damage coverage and with liability coverage only. The data assumes no accidents or driving violations, $500 deductibles, single marital status, and no other discounts are factored in.

Are you wasting money on full coverage?

There is no clear-cut formula for dropping physical damage insurance, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Chevy Impala replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after you pay the deductible. If you are paying more than $500 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not financially feasible. If you haven’t satisfied your loan, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Lower Your Mesa Insurance Rates

Lots of factors are part of the calculation when you quote your car insurance policy. Some factors are common sense such as your driving history, but some are less obvious such as whether you are married or your financial responsibility. Smart consumers have a good feel for the different types of things that aid in calculating the level of your policy premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that could help you find big savings.

Physical damage deductibles are a factor – Deductibles for physical damage represent how much money you are required to spend out-of-pocket before your car insurance pays a claim. Insurance for physical damage to your car, also called ‘full coverage’, covers damage that occurs to your car. Examples of covered claims are a windshield broken by a bird, fire damage, and having a roll-over accident. The more damage repair cost you are required to pay out-of-pocket, the less money you will pay for car insurance.

Your occupation and car insurance rates – Did you know your occupation can influence how much you pay for car insurance? Occupations such as lawyers, business owners, and emergency personnel generally pay higher average rates because of stressful work requirements and lengthy work days. On the other hand, careers such as scientists, historians and the unemployed pay lower than average rates.

What type of car do you drive? – The performance of the car, truck or SUV you are trying to find cheaper insurance for makes a big difference in your rates. The cheapest rates are usually found on lower performance four cylinder passenger vehicles, but your final cost has many other factors.

The following data is based on a married male driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Chevrolet Impala insurance rates compared to other models that have different performance risks.

Age of drivers – Mature drivers are shown to be more cautious, tend to file fewer claims, and tend to be get fewer driving tickets. Beginning drivers are statistically shown to be inattentive when at the wheel of a vehicle so they pay higher car insurance rates.

The following chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

High policy claims frequency drives up rates – Auto insurance companies in Arizona provide cheaper rates to insureds who do not file claims often. If you’re an insured who likes to file claims you can expect increased rates or even have your policy non-renewed. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.

More miles equals more premium – The more you drive in a year the more you will pay for car insurance. Almost all companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks that are left in the garage can be on a lower rate level than cars that get driven a lot. It’s a good idea to make sure your car insurance policy is rated on the correct usage. Having an incorrect usage rating on your Impala may be costing you higher rates.

Chevy Impala insurance loss probability – Auto insurance companies analyze claim trends for every vehicle to calculate a price that will offset losses. Vehicles that statistically have a trend towards higher claim severity or frequency will have higher rates for specific coverages. The information below illustrates the historical loss data for Chevy Impala vehicles.

For each coverage category, the claim probability for all vehicles, regardless of make, model or trim level, is considered to be 100. Values under 100 indicate a favorable loss history, while values over 100 point to more frequent losses or an increased chance of a larger loss.

Chevrolet Impala Insurance Loss Statistics
Vehicle 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

Statistics from for 2013-2015 Model Years

Save a ton on Chevy Impala insurance in Mesa with these auto insurance discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that you may not know about. Most are applied at the time you complete a quote, but occasionally some discounts must be inquired about before you get the savings.Cheaper auto insurance with discounts

One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will reduce your policy cost.

The information below compares Chevy Impala insurance costs with and without some available policy discounts. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, 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 marriage, homeowner, multi-car, claim-free, multi-policy, and safe-driver discounts applied.

To locate insurance companies who offer free Chevy Impala insurance quotes in Mesa, follow this link.

Insurance is available from local insurance agents

A lot of people still like to talk to a local agent and that is recommended in a lot of cases A good thing about comparing rates online is that you can obtain cheap rate quotes but also keep your business local.

Insurance agents in MesaTo make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is submitted to participating agents in Mesa that can give you free Mesa car insurance quotes for your business. It’s much easier because you don’t need to leave your computer since rate quotes are delivered straight to your inbox. Get lower rates and a licensed agent to talk to. In the event you want to compare prices from a specific company, you can always visit that company’s website and fill out their quote form.

Finding the right insurance company requires more thought than just a cheap price. Any agent in Mesa should be forthright in answering these questions:

If you want to buy insurance from a reliable agent, there are two types of agencies that differ in how they can insure your vehicles. Agents in Mesa can be classified as either exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

Agents in the exclusive channel can only quote rates from one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to provide rate quotes from other companies so always compare other rates. They are very knowledgeable on their products and sales techniques which can be an advantage. Drivers often choose to use a exclusive agent mostly because of the brand and the convenience of having all coverages with one company.

Shown below are exclusive insurance agencies in Mesa who can help you get price quote information.

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Independent Agents (or Brokers)

Agents that choose to be independent often have many company appointments and that gives them the ability to insure with any number of different companies depending on which coverage is best. If prices rise, they simply move your policy to a different company without you having to go to a different agency. When comparing rates, you should always get several quotes from a couple of independent agencies to maximize your price options. They also have the ability to place coverage with small regional insurance companies that can offer cheaper rates than bigger companies.

Below is a short list of independent agents in Mesa that are able to give price quotes.

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You can lower your car insurance rates

Drivers change insurance companies for a variety of reasons including delays in responding to claim requests, high prices, denial of a claim and even an unsatisfactory settlement offer. It doesn’t matter what your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.

A few companies don’t offer the ability to get a quote online and usually these smaller companies only sell coverage through independent agents. Cheaper Chevy Impala insurance in Mesa can be purchased online in addition to local insurance agencies, so compare prices from both in order to have the best chance of saving money.

We just covered quite a bit of information on how to lower your Chevy Impala insurance prices in Mesa. The key concept to understand is the more providers you compare, the better chance you’ll have of finding inexpensive Mesa car insurance quotes. Consumers may even find the best price on car insurance is with some of the smallest insurance companies.

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