Auto Insurance Quotes for a Chevy Impala in Long Beach

Want to know how to find more competitive car insurance rates in Long Beach, CA? Long Beach drivers have many options when trying to find affordable Chevy Impala insurance. You can either spend your time contacting agents to get rate comparisons or utilize the internet to get rate quotes. There is a right way and a wrong way to find car insurance online and you need to know the quickest way to compare rates for a Chevy and obtain the lowest possible price.

Learn How to Buy Car Insurance for Less

It’s important that you understand the factors that help calculate the level of your policy premiums. When you understand what impacts premium levels, this helps enable you to make changes that may result in lower rates. Lots of factors are used when pricing auto insurance. Some of the criteria are obvious such as your driving record, but others are not quite as obvious like where you live or your vehicle rating.

Listed below are a few of the “ingredients” used by companies to determine your prices.

• Insurance rates are higher for high performance vehicles – The make and model of the car you are buying insurance for makes a significant difference in the rate you pay. The lowest rates are usually for lower cost passenger cars, but many other things help determine your insurance rates.

  The following data assumes a single male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Chevrolet Impala car insurance rates compared to other models of vehicles that have different performances.

• Save money by having multiple policies – Most insurance companies give discounts to clients who buy several policies from them. It’s known as a multi-policy discount. If you currently are using one company, you may still want to get quotes from other companies to help guarantee you have the best rates.
• Extra policy coverages push up prices – There are many add-on coverages you can purchase when buying car insurance. Coverages for roadside assistance, death and dismemberment, and term life insurance may not be needed and are just wasting money. These coverages may sound good when buying your policy, but if you’ve never needed them in the past consider taking them off your policy.
• Pay more out-of-pocket – Comp and collision deductibles are how much you are required to spend before your car insurance pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be colliding with a stationary object, fire damage, and damage from wind. The more damage repair cost you have to pay, the bigger discount you will receive.

• Rates increase with driving citations – Your driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets get better rates compared to drivers with tickets. Having just one ticket can increase the cost of insurance to the point where it’s not affordable. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to prove financial responsibility with their state motor vehicle department in order to legally drive a vehicle.

  The chart below illustrates how speeding tickets and at-fault claims can affect Chevy Impala insurance costs for different age groups of insureds. The premiums assume a single male driver, full coverage, $100 deductibles, and no discounts are applied.

• Stay claim-free and lower prices – Insurance companies in California give most affordable rates to policyholders that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can look forward to higher rates. Your car insurance is intended for the large, substantial claims.

• Insurance loss data for a Chevy Impala – Insurance companies include the past claim history for a vehicle when they set coverage costs for each model. Vehicles that tend to have a trend towards higher claim severity or frequency will be charged more to insure.

  The information below illustrates the collected loss data for Chevy Impala vehicles. For each policy coverage, the statistical loss for all vehicles combined as an average is equal to 100. Percentages below 100 suggest a better than average loss history, while percentage values above 100 point to more frequent losses or tendency to have larger claims.

  
  

  Chevrolet Impala Insurance Loss Statistics

  Specific Chevrolet 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

The method we recommend to compare insurance rates in your area utilizes the fact most of the larger companies allow for online access to give you rate quotes. The only thing you need to do is give them some information such as how much school you completed, if it has an alarm system, your occupation, and which vehicles you own. Your rating data is instantly submitted to many different companies and they return quotes almost instantly.

If you would like to compare rates now, click here and enter the information requested.

The providers in the list below have been selected to offer comparison quotes in Long Beach, CA. If you want to find the best cheap car insurance in Long Beach, we suggest you visit two to three different companies to find the lowest auto insurance rates.

Rates and statistics

The price information below showcases detailed analysis of insurance policy prices for Chevy Impala models. Having a good understanding how insurance prices are formulated can be useful when making smart choices when comparing insurance quotes.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in zip code location which can revise coverage prices significantly.

Comparison of policy deductibles

A question often asked by Long Beach drivers is how high or low should comp and collision deductibles be. The premium rates below approximate how much more you’ll pay when you choose different coverage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in specific garaging location which can decrease or increase insurance rates significantly.

Based on this data, using a $100 deductible will cost you approximately $44 more each month or $528 every year averaged for all Impala models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 20 months between claims, you would probably be better off if you choose the higher deductible.

Do you need full coverage?

The example below visualizes the comparison of Chevy Impala annual premium costs with full coverage and liability only. The premiums are based on no accidents or driving violations, $1,000 deductibles, single status, and no discounts are taken into consideration.

When to buy liability coverage only

There isn’t a steadfast formula for dropping comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more 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 settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after the policy deductible has been paid. If premium cost is more than $500 annually for full coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Insurance does more than just repair your car

Despite the high insurance cost for a Chevy Impala in Long Beach, insuring your vehicle is most likely required but also gives you several important benefits.

First, almost all states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability insurance if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your vehicle, almost every bank will force you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may buy a policy for your Chevy at a much higher rate and force you to reimburse them much more than you were paying before.

Third, insurance protects not only your car but also your financial assets. Insurance will pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay to defend you if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your insurance policy will pay to have it repaired.

The benefits of having insurance more than cancel out the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver overpays as much as $865 each year so you should quote rates once a year at a minimum to ensure rates are competitive.

Do you qualify for discounts on Chevy Impala insurance in Long Beach?

Companies that sell car insurance don’t always publicize all possible discounts very clearly, so we break down some of the best known and the more hidden credits that you can use to lower your rates.

• Telematics Discount – Policyholders that allow driving data collection to scrutinize driving manner by using a telematic data system like Allstate’s Drivewise might get better premium rates if they show good driving skills.
• Multi-line Discount – Some companies give a small discount if you purchase life insurance.
• Military Discounts – Being on active deployment in the military could be rewarded with lower premium rates.
• New Car Discount – Buying a new car instead of a used Impala can get you a discount because newer vehicles have to meet stringent safety requirements.
• Defensive Driver – Taking part in a course that instructs on driving safety could save 5% or more if you qualify.
• Multiple Vehicles – Drivers who insure all your vehicles with the same company can reduce rates for all insured vehicles.
• Online Discount – A handful of auto insurance companies may give you up to $50 for signing up over the internet.
• Seat Belt Discounts – Drivers who require all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and the ABS can save up to 10%.
• Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their Long Beach auto insurance quote compared to rates paid by drivers with frequent claims.

As is typical with insurance, many deductions do not apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

The information below illustrates the difference between Chevy Impala yearly insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, marriage, multi-policy, and multi-car discounts applied.

Larger auto insurance companies and a selection of discounts are detailed below.

• State Farm offers discounts for safe vehicle, passive restraint, good driver, driver’s education, multiple policy, Drive Safe & Save, and anti-theft.
• American Family discounts include TimeAway discount, good driver, good student, early bird, multi-vehicle, air bags, and mySafetyValet.
• AAA has savings for AAA membership discount, anti-theft, education and occupation, pay-in-full, multi-policy, good student, and good driver.
• GEICO may have discounts that include driver training, defensive driver, multi-policy, five-year accident-free, military active duty, air bags, and multi-vehicle.
• Mercury Insurance includes discounts for good student, professional/association, location of vehicle, type of vehicle, age of vehicle, low natural disaster claims, and ease of repair.
• Farmers Insurance offers discounts including good student, homeowner, alternative fuel, bundle discounts, electronic funds transfer, and teen driver.
• Progressive policyholders can earn discounts including online signing, multi-policy, multi-vehicle, good student, continuous coverage, and online quote discount.

When quoting, ask all companies you are considering which credits you are entitled to. Savings might not be available to policyholders in Long Beach. To view providers who offer free Chevy Impala insurance quotes in Long Beach, click here.

Insurance agents can help

A lot of people would prefer to buy from a local agent and that is a personal choice. Insurance agents can make sure you are properly covered and will help you if you have claims. The biggest benefit of comparing rate quotes online is you may find the lowest rates but also keep your business local.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is instantly submitted to local insurance agents in Long Beach that can provide free Long Beach auto insurance quotes for your insurance coverage. There is no reason to leave your computer because prices are sent to you directly. If for some reason you want to quote rates from a specific insurance company, just navigate to their website and submit a quote form there.

Choosing the best insurance company requires you to look at more than just a cheap price. Any good agent in Long Beach should know the answers to these questions.

• What companies can they write with?
• What are their preferred companies if they are an independent agency?
• What is the financial rating for the quoted company?
• Are they paid to recommend certain coverages?
• What is their Better Business Bureau rating?

Listed below are agents in Long Beach that may be willing to give comparison quotes for Chevy Impala insurance in Long Beach.

• Farmers Insurance: Paul Soeung
  2338 E Anaheim St #101a – Long Beach, CA 90804 – (562) 856-0328 – View Map
• Global Guard Insurance
  1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map
• Rosanne Sanchez Insurance Agency
  1165 E San Antonio Dr – Long Beach, CA 90807 – (310) 874-3933 – View Map
• Jose Olguin – State Farm Insurance Agent
  4464 California Pl – Long Beach, CA 90807 – (562) 427-2014 – View Map

More insurance agents

Once you have satisfactory answers to all your questions as well as offering an affordable quote, you have narrowed it down to an provider that meets the requirements to properly service your auto insurance policy.

Be persistent and save

Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, delays in paying claims and extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new auto insurance company is not as difficult as it may seem.

The cheapest Chevy Impala insurance in Long Beach is possible online and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get quotes online and most of the time these regional insurance providers work with local independent agencies.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. In many instances, someone dropped liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Steps to buying affordable Chevy Impala insurance in Long Beach

Really, the only way to find cheaper prices for Chevy Impala insurance in Long Beach is to make a habit of comparing prices annually from companies that insure vehicles in California. Prices can be compared by completing these steps.

First, try to comprehend the different coverages in a policy and the modifications you can make to prevent high rates. Many policy risk factors that cause rate increases such as accidents, traffic violations, and an imperfect credit rating can be amended by paying attention to minor details.

Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and Allstate, while independent agencies can give you price quotes from multiple insurance companies.

Third, compare the new quotes to your existing policy and see if there is a cheaper rate. If you can save money and buy the policy, make sure there is no coverage gap between policies.

Fourth, notify your current company to cancel your current coverage. Submit any necessary down payment along with the completed application to your new carrier. As soon as you receive it, put the new proof of insurance paperwork in an easily accessible location.

A good tip to remember is to compare the same level of coverage on every price quote and and to compare all possible companies. Doing this guarantees a fair price comparison and a complete price analysis.

For more information, link through to the articles below:

• Top Signs Your Brakes are Giving Out (State Farm)
• What Car Insurance is Cheapest for a GMC Sierra in Long Beach? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Toyota 4Runner in Long Beach? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Lyft Drivers in Long Beach? (FAQ)
• Who Has the Cheapest Auto Insurance for First-time Drivers in Long Beach? (FAQ)
• What Auto Insurance is Cheapest for a Toyota Tacoma in Long Beach? (FAQ)
• Who Has Cheap Long Beach Car Insurance for Handicapped Drivers? (FAQ)
• Crash Avoidance Technologies FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Information for Teen Drivers (GEICO)
• Distracted Driving Statistics (Insurance Information Institute)