Chevy Impala Insurance Quotes in Pittsburgh

The best way to get cheaper Chevy Impala insurance in Pittsburgh is to start comparing prices regularly from insurance carriers who sell insurance in Pennsylvania. You can shop around by completing these steps.

• Step 1: Spend some time learning about what is in your policy and the things you can change to keep rates in check. Many rating criteria that drive up the price like your driving record and a less-than-favorable credit history can be controlled by making lifestyle changes or driving safer.
• Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while agents who are independent can quote prices from multiple sources.
• Step 3: Compare the new rate quotes to the price on your current policy to see if cheaper Impala coverage is available in Pittsburgh. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
• Step 4: Tell your current agent or company of your intention to cancel your existing policy and submit a completed application and payment to the new company. Immediately store the certificate verifying proof of insurance in an easily accessible location in your vehicle.

An important part of this process is that you’ll want to compare the same physical damage deductibles and liability limits on every quote request and and to get rates from all possible companies. Doing this enables a fair price comparison and a thorough selection of prices.

Sad but true, a large majority of drivers in Pennsylvania have bought auto insurance from the same company for four years or more, and practically 40% of auto insurance customers have never even compared quotes to find lower-cost rates. Most drivers in the United States could cut their rates by up to 47% a year by just comparing rate quotes, but most just don’t grasp the rate savings if they just switched companies.

Finding and buying the lowest-priced insurance policy in Pittsburgh is actually quite simple. If you are insured now or want to find a cheaper company, use these cost-cutting techniques to reduce premiums without reducing coverage. Smart shoppers just need to understand the most efficient way to shop for insurance from multiple carriers.

Auto insurance providers offering cheap rate quotes in Pennsylvania

The following companies can provide price quotes in Pennsylvania. If your goal is to find cheap auto insurance in PA, it’s highly recommended you visit as many as you can to get a more complete price comparison.

Chevy Impala detailed coverage information

The data table displayed next covers detailed analysis of insurance coverage prices for Chevy Impala models. Having insight into how prices are figured can help drivers make smart choices when choosing a car insurance company.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can revise coverage prices considerably.

Should you raise deductibles?

One common question asked by Pittsburgh drivers is what deductibles to buy. The figures shown below can help you understand how much more rates are when you buy lower versus higher physical damage deductibles. The first rate estimation uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in your specific Pittsburgh location which can affect premiums noticeably.

We can derive from the above data that using a $100 deductible will cost you approximately $23 more each month or $276 each year across all Chevrolet Impala models than requesting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have more than 17 months between claim filings, you would save more money if you elect the higher deductible.

Should you buy full coverage?

The chart below shows the difference between Chevy Impala auto insurance rates with liability coverage only compared to full coverage. The premiums are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are factored in.

When to buy liability coverage only

There is no definitive rule of when to stop paying for comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Chevy Impala book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying your policy deductible. If it’s costing you more than $500 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some conditions where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not opt for liability only.

What Affects Chevy Impala Insurance Costs?

Many things are part of the calculation when you get a price on insurance. Some are obvious such as your driving record, but other factors are less apparent like where you live and annual miles driven.

Poor credit can mean higher costs – A driver’s credit history can be an important factor in your rate calculation. So if your credit leaves room for improvement, you could potentially save money when insuring your Chevrolet Impala by taking the time to improve your credit score. People that have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower ratings.

Car plus home equals more savings – Lots of auto insurance companies apply better rates for people that buy multiple policies in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to guarantee you are still saving the most.

Save money with GPS tracking and theft deterrents – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.

Your address can influence price – Choosing to live in smaller towns and rural areas of the country has it’s advantages when insuring your vehicles. Less people living in that area means reduced accidents and lower theft and vandalism rates. Drivers who live in large Pennsylvania cities have to deal with more aggressive driving styles and more time behind the wheel. More time behind the wheel translates into higher accident risk.

Battle of the sexes – Statistics show that females take fewer risks when driving. It does not mean males are worse at driving than females. They both cause fender benders at a similar rate, but guys get into accidents with more damage. They also have more aggressive citations like driving under the influence (DUI). Male teenagers have the highest risk to insure so it costs more to insure them.

The chart below shows the comparison of Chevy Impala auto insurance rates for male and female drivers. The rates are based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied.

Insurance loss statistics a Chevy Impala – Insurers analyze claim trends for every vehicle when setting rates for each model. Models that the statistics show to have a trend towards higher claim severity or frequency will have a higher premium rate.

The data below shows the actual insurance loss data for Chevy Impala vehicles. For each insurance policy coverage type, the claim amount for all vehicles compiled together is set at 100. Numbers below 100 suggest a positive loss record, while percentage values above 100 indicate more frequent claims or tendency to have higher losses.

Discounts for cheap insurance quotes

Some insurance providers don’t always publicize all discounts very clearly, so the following list contains some of the best known as well as some of the hidden credits that you can use to lower your rates.

• Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Theft Deterrent – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Pittsburgh auto insurance quote.
• Professional Organizations – Affiliation with qualifying clubs or civic groups may earn a discount on your next insurance statement.
• Early Switch Discount – A few insurance companies allow discounts for signing up prior to your current Impala insurance policy expiration. It can save you around 10%.
• Life Insurance – Larger insurance companies have a lower price if you buy a life insurance policy as well.
• Student in College – Kids who live away from home to go to college and do not have access to a covered vehicle can be insured at a reduced rate.
• Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
• Claim Free – Drivers with accident-free driving histories can earn big discounts when compared to drivers with a long claim history.

Discounts lower rates, but most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.

The chart below illustrates the difference between Chevy Impala insurance costs with and without discounts applied to the policy rates. The information is based on a male driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, claim-free, multi-car, and multi-policy discounts applied.

A list of insurance companies and some of the discounts are:

• Progressive offers discounts for continuous coverage, online quote discount, homeowner, online signing, multi-policy, good student, and multi-vehicle.
• MetLife offers discounts including multi-policy, defensive driver, good driver, claim-free, and accident-free.
• Mercury Insurance may include discounts for low natural disaster claims, multi-car, accident-free, multi-policy, good student, type of vehicle, and age of vehicle.
• Nationwide may have discounts that include multi-policy, business or organization, defensive driving, anti-theft, accident-free, easy pay, and good student.
• GEICO may offer discounts for anti-lock brakes, federal employee, five-year accident-free, emergency military deployment, and defensive driver.
• AAA includes discounts for anti-theft, good driver, education and occupation, good student, pay-in-full, multi-policy, and AAA membership discount.

Before purchasing a policy, check with each company or agent which discounts can lower your rates. Some credits might not be offered on policies in Pittsburgh. If you would like to choose from a list of insurance companies that provide some of the discounts listed above in Pittsburgh, click here to view.

Insurance agents are trained to help

Certain consumers would rather sit down and talk to an agent and doing that can be a smart decision Insurance agents can help you build your policy and help in the event of a claim. The best thing about comparing insurance prices online is that drivers can save money and get lower car insurance rates and also buy local. Buying from neighborhood insurance agencies is important particularly in Pittsburgh.

Once you complete this simple form, your information gets sent to local insurance agents who will give you quotes to get your business. There is no need to contact an agency because quoted prices will be sent instantly to you. If you wish to get a comparison quote from a specific company, feel free to find their quoting web page and complete a quote there.

Different types of auto insurance agents in Pittsburgh

When looking for a good Pittsburgh insurance agent, it’s helpful to know the types of insurance agents to choose from. Insurance agencies in Pittsburgh are considered either exclusive or independent. Both types can write policy coverage, but it is important to understand the difference in the companies they write for since it may influence your agent selection.

Independent Insurance Agencies

Independent insurance agents are appointed with more than one company and that gives them the ability to insure with multiple insurance companies and find you cheaper rates. If premiums increase, the business is moved internally and you don’t have to find a new agent.

If you need lower rates, we recommend you get rate quotes from a couple of independent agencies to maximize your price options. Many write coverage with smaller companies which may provide better rates.

Featured below is a small list of independent agents in Pittsburgh that can give you free insurance quotes.

• Feeney Insurance Agency
  1350 Old Freeport Rd – Pittsburgh, PA 15238 – (412) 963-8850 – View Map
• Nationwide Insurance: Joshua Michael Dott Agency
  513 Towne Square Way – Pittsburgh, PA 15227 – (412) 927-2400 – View Map
• J.S. Smith Insurance Agency
  101 Bellevue Rd Suite 02 – Pittsburgh, PA 15229 – (412) 931-6070 – View Map

View more agents

Exclusive Agencies

Agents in the exclusive channel normally can only provide a single company’s rates such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to shop your coverage around so you might not find the best rates. Exclusive agencies receive extensive training in insurance sales and that allows them to sell at a higher price point. Consumers frequently use the same exclusive agent mostly because of high brand loyalty rather than having the cheapest rates.

The following is a list of exclusive agencies in Pittsburgh willing to provide price quotes.

• Mike Dudenas – State Farm Insurance Agent
  901 Castle Shannon Blvd – Pittsburgh, PA 15234 – (412) 561-5012 – View Map
• Steve Heller – State Farm Insurance Agent
  146 Forest Hills Rd – Pittsburgh, PA 15221 – (412) 824-4800 – View Map
• Eric Morris – State Farm Insurance Agent
  2015 Babcock Blvd – Pittsburgh, PA 15209 – (412) 821-0225 – View Map

View more agents

Finding the right auto insurance agent needs to be determined by more than just the quoted price. Get answers to these questions too.

• What will you get paid if your car is a total loss? How is that amount determined?
• Do they get paid more for recommending certain coverages?
• Is coverage determined by price?
• Do they review policy coverages at every renewal?
• Does the agent help file claims?
• Does the quote include credit and driving reports?

Car insurance company ratings

Buying coverage from a good quality insurance provider is difficult considering how many choices you have in Pittsburgh. The company rank data shown next could help you pick which car insurance providers to look at when shopping around.

Which is the best car insurance?

When quoting and comparing a policy, there really is not a “best” method to buy coverage. Your needs are unique to you.

These are some specific questions can help discover if your situation may require specific advice.

• Why do I have to buy liability insurance?
• Will filing a claim cost me more?
• Should I rate my Chevy Impala as pleasure use or commute?
• Is my babysitter covered when using my vehicle?
• What if a claim settlement is too low?
• Are my friends covered when driving my car?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Be persistent to save money

You just learned a lot of techniques to shop for Chevy Impala insurance online. The key thing to remember is the more you quote Pittsburgh auto insurance, the better likelihood of getting affordable Chevrolet Impala insurance quotes. You may even discover the lowest premium rates come from a small mutual company.

Consumers switch companies for many reasons like lack of trust in their agent, not issuing a premium refund, high prices or even being labeled a high risk driver. It doesn’t matter why you want to switch finding a great new company is actually quite simple.

Lower-priced car insurance in Pittsburgh can be found on the web in addition to many Pittsburgh insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide the ability to get quotes online and many times these regional carriers only sell coverage through independent insurance agencies.

Additional learning opportunities

• Think You’re a Safe Driver? (State Farm)
• How to shop for a safer car (Insurance Institute for Highway Safety)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Five Mistakes to Avoid (Insurance Information Institute)