Chevy Impala Insurance Rate Quotes in Houston

Insurance quote for Chevy Impala in HoustonWant to learn how to find the cheapest auto insurance rates in Houston, TX? Houston consumers have a choice when looking for affordable Chevy Impala insurance. You can either spend your time struggling with agents getting price quotes or use the internet to get rate quotes.

There is a right way and a wrong way to shop for auto insurance so you’re going to learn the best way to price shop coverage for a Chevy and find the lowest possible price.

A recent survey discovered that nearly 70% of consumers have bought auto insurance from the same company for more than four years, and approximately 38% of consumers have never taken the time to shop around. Many consumers in Texas could save themselves almost $1,800 a year by just comparing rate quotes, but most tend to underestimate the actual amount they would save if they moved their coverage to a different company.

Getting a cheaper price on Chevy Impala insurance can be surprisingly simple. The only requirement is to spend a few minutes comparing price quotes online with multiple companies.

The companies shown below are ready to provide free quotes in Texas. If more than one company is shown, we recommend you get rate quotes from several of them in order to find the most affordable rates.

Chevrolet Impala Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $180 $312 $500 $30 $150 $1,172 $98
Impala LS $246 $610 $430 $26 $128 $1,440 $120
Impala LT $268 $456 $392 $24 $118 $1,258 $105
Impala LT $234 $460 $462 $28 $138 $1,322 $110
Impala LTZ $176 $360 $388 $24 $116 $1,064 $89
Impala LTZ $272 $472 $500 $30 $150 $1,424 $119
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in specific Houston garaging location which can increase or decrease premiums noticeably.

An analysis of deductible level

The example below shows how different deductible levels and can change Chevrolet Impala yearly insurance costs for each age group. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied.

Full coverage versus liability only rates

The example below shows the difference between Chevrolet Impala insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume a clean driving record, no claims, $1,000 deductibles, single female driver, and no discounts are applied.

Should you be buying full coverage?

There is no specific rule of when to phase out full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Chevrolet Impala claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying your deductible. If you are paying in excess of $200 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Auto insurance rates are higher with tickets and accidents

The diagram below shows how speeding tickets and accident claims can increase Chevrolet Impala premium costs for different categories of driver ages. The price estimates are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

Car insurance policy discounts you can’t miss

Some insurance providers do not list all possible discounts very well, so the list below contains some of the more common and also the lesser-known discounts that you can inquire about if you buy Houston auto insurance online.Discount car insurance

Remember that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

If you would like to choose from a list of car insurance companies with discount rates in Houston, click here to view.

Car insurance is available from local insurance agents

A lot of people would rather buy from a local agent and that is just fine! Professional insurance agents can make sure you are properly covered and help you file claims. An additional benefit of comparing rates online is that drivers can save money and get lower rates but also keep your business local. Supporting neighborhood agents is still important in Houston.

Insurance agents in HoustonAfter completing this quick form, the coverage information is immediately sent to insurance agents in Houston who will give you bids for your coverage. There is no need to search for an agent since price quotes are sent to your email. In the event you want to quote rates from a specific insurance company, you would need to jump over to their website and fill out their quote form.

When looking for a reliable agent, it’s helpful to know the different types of agents that differ in how they can insure your vehicles. Insurance agencies in Houston are categorized either exclusive or independent (non-exclusive). Both write car insurance policies, but it is a good idea to know the subtle differences since it can impact your agent selection.

Independent Car Insurance Agencies or Brokers

These type of agents are normally appointed by many insurers and that gives them the ability to insure with a variety of different insurance companies and find the cheapest rate. To move your coverage to a new company, they simply switch companies in-house and that require little work on your part. If you need cheaper car insurance rates, it’s a good idea to include price quotes from multiple independent agents so that you can do a thorough price comparison. Many independent agencies also insure through companies that do not advertise much which could offer lower prices.

Featured below are Houston independent agencies that may be able to give free car insurance quotes.

More Houston agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide one company’s prices such as Farmers Insurance and State Farm. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agents receive extensive training in insurance sales which helps them sell on service rather than price. Some consumers prefer to use the same exclusive agent mostly because of the prominence of the brand and solid financial strength.

Listed below is a short list of exclusive agents in Houston that are able to give comparison quotes.

More Houston agents

Picking the best insurance agent needs to be determined by more than just the premium amount. Any agent in Houston should be forthright in answering these questions:

Upon getting positive responses for all questions you ask as well as a price you’re happy with, chances are good that you have found a car insurance agent that can service your policy.

Insurance can be complex

When it comes to buying your policy for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.Insurance savings

For instance, these questions can help discover whether or not you may require specific advice.

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Educated Choices Result in Lower Insurance Rates

When buying insurance it’s important to understand the factors that are used to determine the rates you pay for insurance. If you have some idea of what determines base rates, this enables informed choices that may result in lower premium levels. Multiple criteria are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but some are less apparent such as your marital status or your vehicle rating.

The list below includes some of the most common factors used by your company to calculate your rate level.

Why you need insurance for your Chevy Impala

Despite the fact that insurance is not cheap in Houston, maintaining insurance is not optional due to several reasons.

The benefits of having insurance definitely exceed the cost, particularly when you have a large claim. But the average American driver is overpaying more than $810 a year so shop around once a year at a minimum to help ensure money is not being wasted.

Cheap car insurance rates are available

When buying insurance coverage, never reduce needed coverages to save money. There have been many situations where an insured dropped liability coverage limits only to discover later that it was a big mistake. The ultimate goal is to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Budget-conscious Chevy Impala insurance is available on the web and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not offer the ability to get a quote online and usually these small, regional companies only sell coverage through local independent agents.

You just learned many tips how you can find lower-cost Chevy Impala insurance in Houston. It’s most important to understand that the more you quote Houston auto insurance, the more likely it is that you will get a better rate. You may even discover the most savings is with the least-expected company.

Additional car insurance information can be found on the following sites: