Best Chevy Impala Insurance in Irvine

We don’t have to tell you that insurance companies don’t want you to look at other companies. Consumers who get price quotes annually will, in all likelihood, buy a different policy because there is a good probability of finding a more affordable policy. A recent insurance study revealed that people who compared price quotes annually saved as much as $70 a month compared to people who don’t regularly compare prices.

If finding the lowest price for Chevy Impala insurance is your ultimate target, understanding how to get rate quotes and compare auto insurance can help you succeed in saving money.

It takes a little time, but the best way to find low-cost car insurance rates is to do a yearly price comparison from insurance carriers who sell auto insurance in Irvine. This can be done by following these steps.

First, take a few minutes and learn about car insurance and the changes you can make to drop your rates. Many rating criteria that drive up the price such as high-risk driving behaviors and a poor credit rating can be rectified by making small lifestyle or driving habit changes.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while independent agents can give you price quotes from multiple companies. View rates

Third, compare the new quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.

One key aspect of rate comparisons is that you’ll want to compare the same coverage limits and deductibles on each quote and and to get prices from as many different insurance providers as possible. This guarantees a fair price comparison and many rates to choose from.

If you’re already insured, you will most likely be able to save money using this information. This article’s intent is to instruct you on how car insurance quotes work and some money-saving tips. But California drivers do need to understand how the larger insurance companies market on the web because it can help you find the best coverage.

Decisions You Make Can Impact Your Insurance Costs

Multiple criteria are part of the equation when you get a price on insurance. Most are fairly basic like an MVR report, but other factors are more transparent like your vehicle usage or how safe your car is. When buying car insurance it’s important to understand some of the factors that come into play when calculating car insurance rates. If you know what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower premium levels.

Listed below are some of the items used by companies to determine prices.

• Where you live – Choosing to live in small towns and rural areas is a good thing when shopping for auto insurance. People who live in big cities have to deal with more auto accidents and more severe claims. Fewer drivers and short commutes translates into fewer accidents as well as less vandalism and auto theft.

• Men drivers tend to cost more – Statistics demonstrate that females take fewer risks when driving. This data doesn’t prove that men are WORSE drivers than women. Females and males have at-fault accidents in similar percentages, but men get into accidents with more damage. Men also statistically receive more costly citations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.

  The chart below illustrates the difference between Chevy Impala insurance costs for male and female drivers. The price estimates are based on no violations or claims, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

• Pleasure use saves money – The higher the miles on your Chevy in a year the higher your rate. Most companies calculate rates based on their usage. Cars and trucks that are left in the garage cost less to insure than those that get driven frequently. It’s a smart idea to ensure your car insurance declarations sheet properly reflects the correct driver usage. Improper usage on your Impala may be wasting your money.

• Prices are impacted by vehicle performance – The performance of the vehicle you own makes a significant difference in your premium level. Low performance passenger models generally receive the lowest base rates, but many other things help determine your insurance rates.

  The chart below uses these assumptions: single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The data compares Chevrolet Impala car insurance rates compared to other models that have a range of performance rating factors.

• With age comes responsibility – Inexperience drivers are statistically shown to be less responsible when driving with friends so they pay higher car insurance rates. Parents adding a young driver to your car insurance policy can be quite pricey. Older people are viewed as being more responsible, file fewer claims, and get fewer tickets.

  The data below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

• Loss probability for a Chevy Impala – Insurance companies factor in insurance loss information when they file their rates in each state. Models that tend to have higher losses will have higher rates for specific coverages. The table below demonstrates the compiled insurance loss statistics for Chevy Impala vehicles.

  For each coverage type, the loss probability for all vehicles averaged together equals 100. Values below 100 indicate a favorable loss history, while values that are above 100 indicate frequent claims or statistically larger claims.

  
  

  Chevrolet Impala Insurance Loss 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 from IIHS.org for 2013-2015 Model Years

Auto insurance statistics and figures

The price information below covers estimates of coverage prices for Chevy Impala models. Understanding how car insurance prices are determined can be valuable when making decisions on the best policy to buy.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in specific location information which can influence premium rates substantially.

Analysis of deductible levels

One frequently asked question is which deductible level should you buy. The following tables illustrate the cost difference between low and high policy deductibles. The first set of prices uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Table data does not factor in vehicle location which can raise or lower coverage prices greatly.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $31 more each month or $372 annually than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 24 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

Violations and accidents raise rates

The illustration below highlights how speeding tickets and at-fault collisions raise Chevy Impala insurance costs for different age groups of insureds. The data is based on a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Comparison of full coverage and liability-only policies

The information below shows the comparison of Chevy Impala yearly insurance costs with full coverage compared to only the California minimum liability coverage. The rates are based on no violations or accidents, $1,000 deductibles, drivers are single, and no discounts are applied.

When to drop comp and collision

There is no clear-cut rule that works best for making the decision to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Chevy Impala replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after you pay the deductible. If it’s costing you more than $500 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some situations where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Do you qualify for discounts?

Companies offering auto insurance don’t always advertise all their discounts in an easy-to-find place, so the list below contains some of the more common and the harder-to-find discounts that you can inquire about if you buy Irvine auto insurance online. If you do not double check each discount available, you are paying more than you should be.

• Payment Method – By making one initial payment rather than spreading payments over time you can actually save on your bill.
• Discount for Swiching Early – Some car insurance companies provide a discount for renewing your policy prior to your current Impala insurance policy expiring. You can save around 10% with this discount.
• Military Rewards – Being deployed in the military could mean lower premium rates.
• Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accident claims.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
• Discount for Home Ownership – Owning your own home or condo can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.
• Employee of Federal Government – Simply working for the federal government may reduce rates when you quote Irvine auto insurance depending on your company.
• Defensive Driver Discount – Participating in a defensive driving course can save you 5% or more and also improve your driving technique.
• Accident Free – Irvine drivers who stay claim-free have much lower rates as opposed to policyholders that have many claims.
• Distant Student Discount – Kids who are enrolled in higher education away from home and do not have access to a covered vehicle may be insured at a cheaper rate.

Drivers should understand that some of the credits will not apply to the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.

The illustration below illustrates the difference between Chevy Impala insurance costs with and without discounts applied to the premium. The premiums are based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, safe-driver, marriage, and claim-free discounts applied.

Larger car insurance companies and some of their more popular discounts are detailed below.

• Progressive policyholders can earn discounts including online signing, multi-vehicle, online quote discount, good student, multi-policy, and homeowner.
• AAA may include discounts for multi-policy, multi-car, pay-in-full, good student, and good driver.
• Farmers Insurance may have discounts that include distant student, alternative fuel, switch companies, teen driver, homeowner, and electronic funds transfer.
• GEICO has discounts for good student, driver training, defensive driver, five-year accident-free, daytime running lights, air bags, and federal employee.
• Esurance discounts include DriveSense, Switch & Save, homeowner, anti-theft, multi-car, and paid-in-full.
• SAFECO offers discounts for accident prevention training, drive less, homeowner, multi-car, safe driver, teen safe driver, and bundle discounts.
• State Farm has savings for Steer Clear safe driver discount, passive restraint, defensive driving training, anti-theft, and multiple autos.

Check with all companies you are considering which discounts you may be entitled to. A few discounts may not apply to policies in Irvine. If you would like to view insurance companies offering car insurance discounts in Irvine, click here to view.

Ratings for Irvine auto insurance companies

Choosing a good quality company can be difficult considering how many choices you have in California. The rank data shown below may help you pick which insurers you want to consider comparing rates with.

Top 10 Irvine Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

Top 10 Irvine Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Shop around and save

Consumers switch companies for a number of reasons such as policy cancellation, being labeled a high risk driver, an unsatisfactory settlement offer and even policy non-renewal. No matter why you want to switch, choosing a new company can be less work than you think.

While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where drivers have reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. Your goal should be to get the best coverage possible at the best possible price.

Cheap Chevy Impala insurance in Irvine can be found online as well as from independent agents in Irvine, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide internet price quotes and most of the time these regional carriers work with independent agents.

To learn more, take a look at the following helpful articles:

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• What is the Best Cheap Car Insurance in Irvine, CA? (FAQ)
• How Much are Auto Insurance Quotes for Drivers Requiring a SR22 in Irvine? (FAQ)
• Choosing a Car for Your Teen (State Farm)
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