Cheapest Insurance for a Chevy Impala in San Antonio

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Insurance rates Chevy Impala in San AntonioWould you like to stop overpaying and find lower-priced Chevy Impala insurance in San Antonio? Searching for the lowest price San Antonio Chevy Impala insurance quotes on the web is intimidating for consumers new to comparing prices on the web. With so many insurance agents and insurers available, how are we expected to efficiently compare every auto insurance company to find the cheapest price possible?

Unimaginable but true, a large majority of consumers renewed their policy with the same company for four years or more, and approximately 38% of consumers have never compared quotes from other companies. Drivers in Texas could save as much as $1,800 every year by just shopping around, but they underestimate the amount of money they would save if they bought a different policy.

Choosing the best rates in San Antonio is much easier if you know where to start. If you have insurance now, you will most likely be able to get lower rates using the ideas you're about to read. But Texas car owners can benefit from knowing how big insurance companies compete online because rates fluctuate considerably.

Chevy Impala insurance statistics and information

The price information displayed below covers estimates of insurance prices for Chevy Impala models. Having insight into how insurance premiums are established can aid in making informed decisions when comparing rates.

Chevrolet Impala Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $180 $392 $400 $24 $120 $1,116 $93
Impala LS $180 $392 $400 $24 $120 $1,116 $93
Impala LT $206 $392 $400 $24 $120 $1,142 $95
Impala LT $206 $392 $400 $24 $120 $1,142 $95
Impala LTZ $206 $462 $400 $24 $120 $1,212 $101
Impala LTZ $206 $462 $400 $24 $120 $1,212 $101
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rates do not factor in vehicle garaging location which can alter price quotes significantly.

Higher deductibles lower rates

The hardest decision when buying coverage is what deductibles to buy. The tables below can help you understand the costs and benefits between low and high physical damage coverage deductibles. The first data set uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

Chevrolet Impala insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $256 $496 $382 $22 $114 $1,295 $108
Impala LS $256 $496 $382 $22 $114 $1,295 $108
Impala LT $294 $496 $382 $22 $114 $1,333 $111
Impala LT $294 $496 $382 $22 $114 $1,333 $111
Impala LTZ $294 $584 $382 $22 $114 $1,421 $118
Impala LTZ $294 $584 $382 $22 $114 $1,421 $118
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Chevrolet Impala insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $208 $400 $382 $22 $114 $1,126 $94
Impala LS $208 $400 $382 $22 $114 $1,126 $94
Impala LT $240 $400 $382 $22 $114 $1,158 $97
Impala LT $240 $400 $382 $22 $114 $1,158 $97
Impala LTZ $240 $472 $382 $22 $114 $1,230 $103
Impala LTZ $240 $472 $382 $22 $114 $1,230 $103
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in vehicle garaging location which can modify price quotes greatly.

We can estimate from the data above that using a $250 deductible will cost you approximately $14 more each month or $168 every year averaged for all Impala models than quoting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 18 months between claim filings, you would probably be better off if you choose the higher deductible.

The chart below illustrates how choosing a deductible and can change Chevy Impala insurance rates for different age groups. The prices are based on a single female driver, full physical damage coverage, and no discounts are applied.

Impact of citations and accidents on insurance rates

The diagram below demonstrates how citations and at-fault fender-benders influence Chevy Impala insurance costs for each different age group. The premiums assume a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

How Your Impala Insurance Prices are Determined

It's important that you understand some of the things that are used to determine your policy premiums. When you understand what determines premiums, this empowers consumers to make smart changes that could result in better auto insurance rates. Multiple criteria are used when you get your auto insurance bill. Some are obvious like your driving record, but other factors are more transparent like where you live or how safe your car is.

Listed below are some of the items used by insurance companies to determine rates.

  • More traffic means higher claims - Choosing to live in less populated areas of the country is a good thing when buying auto insurance. City drivers have more auto accidents and a longer drive to work. Fewer drivers and short commutes corresponds to lower accident rates in addition to lower liability claims.
  • Don't let your auto insurance lapse - Letting your insurance expire will be a quick way to increase your renewal premiums. In addition to paying higher rates, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with the Texas motor vehicle department.
  • How your age affects premiums - Inexperience drivers have been known to be inattentive when at the wheel of a vehicle so they pay higher auto insurance rates. Adding a first-time driver to your auto insurance policy will cause a huge premium hike. Older people are more responsible, tend to cause fewer accidents, and usually have better credit.

    The chart below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Vehicle theft costs us all - Selecting a car model with advanced anti-theft systems can save you a little every year. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • How much liability protection do you need? - Your auto insurance policy's liability coverage kicks in if you are responsible for physical damage or personal injury to other. Liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Male rates may be higher - Statistics show that women are safer drivers than men. However, this does not mean males are worse at driving than females. Males and females cause fender benders at a similar rate, but guys cause more damage. They also receive more major tickets like DUI and reckless driving.

    The example below illustrates the difference between Chevy Impala insurance prices for male and female drivers. The premiums are based on a clean driving record, no claims, comp and collision included, $500 deductibles, single marital status, and no discounts are applied.

  • Extra policy coverages can cost a lot - There are many extra add-on coverages that may not really be needed if you aren't diligent. Add-on coverages like coverage for rental cars, death and dismemberment, and extra equipment coverage could be just wasting money. These may sound like a good investment when deciding what coverages you need, but if you have no use for them eliminate them to save money.
  • Insurance losses for a Chevy Impala - Companies use claims history to help calculate a profitable premium price. Models that tend to have higher loss trends will cost more to insure. The information below illustrates the loss history for Chevy Impala vehicles.

    For each insurance policy coverage type, the loss probability for all vehicles as a whole equals 100. Values that are below 100 mean the vehicle has better than average losses, while percentage numbers above 100 indicate more frequent losses or a tendency for losses to be larger than average.

    Chevrolet Impala Insurance Claim Statistics
    Make and 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance savings summarized

The cheapest Chevy Impala insurance in San Antonio is definitely available from both online companies and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who do not offer rates over the internet and these small insurance companies only sell coverage through local independent agencies.

Insureds who switch companies do it for many reasons like policy non-renewal, extreme rates for teen drivers, policy cancellation and not issuing a premium refund. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

When buying insurance coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

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