The Chevrolet Impala is an economical choice among sedans. As the owner of an Impala, it's crucial to find the right type of car insurance coverage at a price that makes sense. An independent insurance agent can shop multiple insurance companies on your behalf, explain the differences in coverage, and help you understand how to make choices that keep your premiums low while offering the personalized coverage you need.
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What Kind of Insurance do You Need for Your Chevrolet Impala?
Bodily Injury Liability
Bodily injury liability insurance helps pay for medical bills associated with someone else's injuries in an accident that's your fault. Most states require that a driver carry a minimum amount of bodily injury liability.
Property Damage Liability
Property damage liability, which covers damage to someone else's property in an accident you cause, may also be required in your state. Your agent can help you decide how much coverage you need. It may be smart to purchase more than the minimum amount.
Medical Payments/Personal Injury Protection
Each state has its own regulations about the type of medical payments and personal injury protection drivers must carry. If you are in a covered car accident, this type of coverage pays for costs related to recovering from injuries for you and your passengers.
Uninsured Motorist Coverage
Uninsured and underinsured motorist coverage protects you financially if you are in an accident with another driver who doesn't have the right types or amounts of auto insurance. In most places, it's illegal to drive without insurance, but if the at-fault driver can't pay for damage, you may be left with the bill.
Collision insurance coverage will replace or repair your Impala if you are in a covered accident. Whether this coverage is right for you and your car depends on the age and market value of your vehicle. If you financed or leased your Impala, you may have to keep collision coverage on the vehicle until it's paid off.
Comprehensive insurance covers repairs to your Impala for everything that isn't covered under your collision policy. This includes getting into an accident with an animal in the road, damage done to your car by falling objects, and vandalism. The insurance company pays to replace or repair your Impala, up to the car's value, minus your deductible.
Fixing a broken Chevrolet Impala windshield could cost hundreds of dollars. Unfortunately, most deductibles are more than the cost of a windshield, making it pointless to file an insurance claim. If you choose to add zero-deductible glass coverage to your auto insurance policy, it could cost just a few dollars extra each month.
If you purchase a brand-new Chevy Impala, you may have the option to add gap insurance at the dealership. Even if you turned down this optional coverage, you can still add it to your auto insurance with help from your agent.
If you owe more on your car than it's worth and you are in an accident that results in a total loss, the insurance settlement goes to your bank or lease company. If you still owe money after that, you'll have to pay out of pocket. Gap insurance pays the "gap" between the amount of money your car is worth and the amount of money you owe.
What Affects the Cost of Insurance for Your Chevrolet Impala?
- Annual mileage: If you plan to drive your car more than 10,000 to 15,000 miles per year, you may pay somewhat higher insurance rates.
- Your driving record: Impala drivers who have a moving violation or at-fault accident on their record typically spend more money on auto insurance than drivers with a spotless record.
- The value of your vehicle: Because it costs more to replace or repair a newer vehicle, you'll pay higher auto insurance premiums for a newer Impala.
Average Chevrolet Impala Insurance Costs
On average, a 40-year-old Chevrolet Impala driver pays $1,342 annually for full coverage auto insurance. For liability-only insurance, the average rate drops to $372 per year. An average 16-year-old driver pays $5,010 for full coverage insurance on a Chevrolet Impala. These are averages, so your rates could vary depending on where you live, your age, the value of your car, and your driving record.
The Safety of your Chevrolet Impala
The NHTSA gave the 2020 Chevrolet Impala an overall five-star safety rating. The 2020 Impala has optional safety features, including front collision alert, rear cross-traffic alert, lane departure warning, and side blind zone alert. These features could help you get a lower insurance rate by increasing the car's overall safety.
How Location Affects Your Chevrolet Impala Insurance
Your location plays in a big part in your auto insurance rates. Your agent can help you get personalized quotes and they can explain the parts of a car insurance premium.
The average Chevrolet Impala driver with a good driving record pays varying annual auto insurance rates depending on where they live:
Additional Factors That Affect Your Chevrolet Impala Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a Chevrolet Impala
|Average annual cost to insure a Chevrolet Impala with full coverage:||$1,342|
|Top 3 most expensive states for Chevrolet Impala insurance:|
|Michigan, New York, Florida||$1,810|
|Top 3 most affordable states for Chevrolet Impala insurance:|
|Vermont, Wisconsin, and North Carolina||$880|
Top Independent Insurance Carriers That Insure the Chevrolet Impala
According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers:
- Auto-Owners Insurance
Get a Chevrolet Impala Quote
When you work with an independent insurance agent, you can get quotes from multiple insurance companies while enjoying a single point of contact. The Trusted Choice find-an-agent tool helps you locate an agent in your area that can help you get the auto insurance you need for your Chevrolet Impala. Visit TrustedChoice.com today and use this online tool to quickly connect with an agent in your area.
TrustedChoice.com Article | Reviewed by Greg Safford
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