Nobody I know likes paying for car insurance, especially when they know they could find better prices if they shop around.
Surprisingly, a recent survey revealed that the vast majority of consumers have stayed with the same insurance company for at least four years, and 38% of customers have never shopped around. With the average premium in California being $1,387, drivers could save $470 a year, but they don’t want to spend time to do a rate comparison. Multiple car insurance companies compete for your business, so it’s not easy to compare every company to discover the definitive best rate on Chevy Impala insurance in San Diego.
If you already have coverage or are looking for a new policy, use these money-saving tips to reduce premiums without sacrificing coverage. Locating the best rates in San Diego is really not that difficult. Shoppers just have to understand the quickest method to buy car insurance from many companies at once.
Low-cost companies for Chevy Impala insurance in California
The companies shown below are ready to provide quotes in California. If several companies are displayed, we suggest you visit two to three different companies to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in vehicle garaging location which can influence auto insurance rates substantially.
Drive safe and save
The example below illustrates how violations and fender-benders impact Chevrolet Impala premium costs for each age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
Yearly auto insurance costs for men versus women
The information below compares Chevrolet Impala insurance rates for male and female drivers. The costs are based on no claims or driving citations, comp and collision included, $100 deductibles, drivers are single, and no discounts are factored in.
Determine discounts to get cheap San Diego auto insurance quotes
Companies offering auto insurance don’t always list every available discount very clearly, so the list below contains both well-publicized and the more hidden savings tricks you should be using when you buy San Diego car insurance online. If you are not receiving all the discounts possible, you may be paying too high a price.
- Life Insurance Discount – Select insurance carriers reward you with a small discount if you purchase a life policy as well.
- Sign Online – A handful of companies provide a small discount for buying a policy and signing up online.
- Membership in Organizations – Affiliation with qualifying clubs or civic groups could earn you a nice discount on your next renewal.
- Military Deployment Discount – Having an actively deployed family member could trigger a small discount.
- Responsible Driver Discounts – Drivers who avoid accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
- Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
- Discounts for Government Workers – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
- College Student Discount – Youth drivers who live away from home at college without a vehicle on campus may be insured at a cheaper rate.
- Multi-policy Discount – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
- Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
Discounts save money, but please remember that most discounts do not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, that’s just not realistic.
To see a list of providers offering auto insurance discounts in California, click here to view.
Insurance Cost Influencing Factors
When buying insurance it’s important to understand a few of the rating criteria that aid in calculating your policy premiums. When you know what positively or negatively determines premiums, this allows you to make educated decisions that may reward you with better insurance rates. Many different elements are taken into consideration when pricing auto insurance. Some of the criteria are obvious like your driving record, although others are more obscure like your vehicle usage or your vehicle rating.
The list below includes a partial list of the pieces companies use to determine prices.
Buy a safe car and pay less – Vehicles with good safety scores tend to have better insurance rates. Highly rated vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies which can result in lower premiums. If your Chevy Impala is rated at least four stars on Safercar.gov you may qualify for a discount.
Keep the miles off and save – The more you drive every year the more you’ll pay to insure your vehicle. Many insurance companies apply a rate determined by how the vehicle is used. Cars that have low annual miles qualify for better rates than vehicles that have high annual mileage. Incorrect rating for your Impala can result in significantly higher rates. Ask your agent if your insurance coverage reflects the proper vehicle usage.
Performance impacts rates – The type of car you drive makes a significant difference in your premium level. The lowest premiums will generally be found on small economy passenger models, but there are many factors that impact the final cost. Since the Chevrolet Impala falls in the passenger car class, insuring your vehicle will cost similar in price or lower than the average rate where you live in San Diego.
Pay less after the wedding – Walking down the aisle may cut your premiums on insurance. It demonstrates that you tend to be more financially stable it has been statistically shown that married drivers tend to file fewer claims.
Occupation and insurance prices – Occupational choices like fire fighters, executives and financial analysts generally pay higher premium rates in part from high stress levels and lengthy work days. Conversely, occupations such as farmers, athletes and performers receive lower rates.
Liability coverage is important – Your policy’s liability coverage will protect you when you are found to be at fault for damages caused by your negligence. Liability insurance provides for a legal defense to defend your case. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not cut corners here.
Where you live – Being located in less populated areas of the country can be a good thing if you are looking for the lowest rates. Less people living in that area means less chance of accidents and a lower car theft rate. Drivers in populated California areas tend to have traffic congestion and more time behind the wheel. More time behind the wheel means higher likelihood of an accident.
Vehicle theft costs us all – Owning a car with advanced anti-theft systems can help lower your premiums. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent your car from being stolen.
Chevy Impala insurance loss probability – Companies include the past claim trends for vehicles when they calculate premium rates for each model. Models that statistically have higher loss trends will have a higher cost to insure. The next table shows the historical loss data for Chevy Impala vehicles.
For each policy coverage type, the claim amount for all vehicles as a whole is considered to be 100. Percentage numbers below 100 suggest a better than average loss history, while values over 100 indicate a higher chance of having a claim or tendency to have higher losses.
Chevrolet Impala Insurance Claim Statistics
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Chevrolet Impala Limited||100||115||79||142||148||153|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local neighborhood agents and insurance
Many people just want to sit down with an agent and often times that is recommended Professional insurance agents can help determine the best coverages and help in the event of a claim. The best thing about price shopping on the web is that you can find the lowest rates and still have a local agent. Supporting local agencies is especially important in San Diego.
For easy comparison, once you complete this short form, your insurance data is instantly submitted to local insurance agents in San Diego that give free quotes to get your business. You won’t need to search for any insurance agencies because quoted prices will be sent to the email address you provide. If you want to get a comparison quote from a specific insurance company, just go to their quote page and give them your coverage information.
When finding a local San Diego insurance agent, it’s helpful to know the types of insurance agents to choose from. Insurance agents in San Diego are either exclusive agents or independent agents. Both insure your vehicles, but it’s a good idea to understand the differences because it can factor into the selection process.
Independent Insurance Agents
Agents that choose to be independent are not employed by any specific company and that is an advantage because they can write policies with any number of different companies and find the cheapest rate. If you want to switch companies, an independent agent can move your coverage without you having to go to a different agency.
When searching for an agent, you should always get several quotes from several independent insurance agents to maximize your price options.
Listed below is a list of independent insurance agencies in San Diego that may be able to give you pricing information.
San Diego Insurance
4411 Mercury St #105b – San Diego, CA 92111 – (858) 565-6695 – View Map
Leavitt Insurance Agency of San Diego
380 Stevens Ave – Solana Beach, CA 92075 – (858) 259-5800 – View Map
3940 Hancock St – San Diego, CA 92110 – (858) 336-4644 – View Map
Exclusive agencies are contracted to one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive agencies are trained well on what they offer which helps them compete with independent agents.
Listed below is a list of exclusive agents in San Diego willing to provide rate quotes.
Farmers Insurance – Aaron Farmer
7960 Silverton Ave #202 – San Diego, CA 92126 – (858) 689-0466 – View Map
Dave Murphy – State Farm Insurance Agent
12121 Scripps Summit Dr Ste 100 – San Diego, CA 92131 – (858) 621-6681 – View Map
Rod Thelen – State Farm Insurance Agent
110 W A St #775 – San Diego, CA 92101 – (619) 234-4882 – View Map
Finding the right auto insurance agent should include more criteria than just a cheap price. These questions are important to ask:
- Who is covered by the car insurance policy?
- Is there a Errors and Omissions policy in force?
- Which insurance companies are they affiliated with?
- Will they give you a referral list?
- Do you work with a CSR or direct with the agent?
Quote more to save more
When buying insurance coverage, do not buy poor coverage just to save money. In many cases, an insured cut liability coverage limits only to discover later that it was a big mistake. Your aim should be to buy the best coverage you can find for the lowest cost, but do not skimp to save money.
In this article, we presented some good ideas how to get a better price on Chevy Impala insurance in San Diego. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even be surprised to find that the best premium rates are with an unexpected company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.
More information is available below:
- Credit Impacts Car Insurance Rates (State Farm)
- How Much are San Diego Auto Insurance Rates for Good Drivers? (FAQ)
- Who Has Cheap San Diego Car Insurance Quotes for Drivers with Good Credit? (FAQ)
- What Insurance is Cheapest for a Hyundai Elantra in San Diego? (FAQ)
- Neck Injury FAQ (iihs.org)
- Electronic Stability Control FAQ (iihs.org)
- Coverage Information (Progressive Insurance)
- Bodily Injury Coverage (Liberty Mutual)