Best Quotes for Chevy Impala Insurance in Lubbock

No car owner likes paying for auto insurance, especially when they could lower their rates if they shopped around.

A recent auto insurance study discovered that most auto insurance buyers have stayed with the same insurance company for a minimum of four years, and nearly 40% of drivers have never quoted rates to find cheaper coverage. With the average auto insurance premium being $2,679, Lubbock drivers can save almost 70% each year just by shopping around, but they don’t know how much money they would save if they replace their high priced policy.

Steps to finding cheaper Chevy Impala insurance in Lubbock

If you want to save the most money, the best way to get budget Chevy Impala insurance is to compare prices annually from providers in Lubbock.

• Step 1: Try to understand how companies set rates and the things you can change to prevent expensive coverage. Many rating criteria that increase rates like speeding and an unacceptable credit history can be eliminated by making minor changes in your lifestyle.
• Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can quote prices for a wide range of companies. Select a company
• Step 3: Compare the new rate quotes to your current policy to determine if switching companies saves money. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Provide notification to your current company of your decision to cancel your current coverage and submit a signed application and payment to the new company. As soon as you can, put the new proof of insurance certificate with your vehicle’s registration.

One important bit of advice is to use similar coverage information on each quote and and to compare as many companies as feasibly possible. This provides a level playing field and the best price quote selection.

Due to the large number of choices of insurance companies that have affordable insurance for a Chevy Impala in Lubbock, it’s nearly impossible to locate the most affordable company.

Locating the most cost-effective auto insurance policy in Lubbock can initially seem challenging. In essence, every driver who comparison shops for auto insurance most likely will get a lower-priced policy. Nevertheless, Texas drivers do need to understand how insurance companies calculate your auto insurance rates and use it to find better rates.

The quickest method to compare rate quotes for Chevy Impala insurance in Lubbock is to know the fact most of the larger companies participate in online systems to compare rate quotes. To get started, all you need to do is spend a couple of minutes providing details such as if your license is active, how much education you have, whether you have decent credit, and if you’re married. Your rating data is instantly submitted to insurance companies and you should receive rate quotes instantly to find the best rate.

To start a rate quote now, click here then complete the form.

The companies in the list below have been selected to offer price comparisons in Lubbock, TX. In order to find cheap car insurance in Lubbock, it’s a good idea that you click on several of them to get the best price comparison.

Rates and other information

The rate table displayed below highlights different insurance policy prices for Chevy Impala models. Being aware of how rates are formulated can be useful when making decisions on the best policy coverages.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in specific location information which can change insurance rates greatly.

Physical damage deductible comparison

One of the more difficult decisions when buying insurance is how low should you set your deductibles. The comparisons below may help you to understand how much more you’ll pay when you select higher and lower comp and collision deductibles. The first rate estimation uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in vehicle location which can change prices substantially.

Based on the above data, using a $100 deductible would cost the average driver about $26 more each month or $312 for a full year than opting for the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 15 months between claims, you would come out ahead if you elect the higher deductible.

The illustration below illustrates how your deductible choice and can raise or lower Chevy Impala annual premium costs for each different age category. The rates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Comparison of insurance rates by age and gender in Lubbock

The information below shows the comparison of Chevy Impala auto insurance costs for male and female drivers. The price estimates are based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, single marital status, and no discounts are applied.

Save with these six discounts on Chevy Impala insurance in Lubbock

Some companies don’t always list every discount they offer very well, so the list below details some of the best known and also the lesser-known credits that you can use to lower your rates. If you do not double check each discount you deserve, you are throwing money away.

• Own a Home and Save – Just being a homeowner can get you a discount due to the fact that maintaining a home shows financial diligence.
• ABS Braking Discount – Cars with anti-lock braking systems have fewer accidents so you can save 10 percent or more.
• Resident Student – Children who live away from home at college and won’t have access to an insured vehicle could get you a discount.
• Accident Waiver – This one isn’t a discount, but companies like GEICO, State Farm, and Progressive allow you one accident without getting socked with a rate hike as long as you don’t have any claims for a set time period.
• Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems could see savings of up to 25% or more.
• Club Memberships – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums on your next renewal.

Remember that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The diagram below compares Chevy Impala yearly insurance costs with and without some available policy discounts. The data is based on a female driver, no claims or violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, claim-free, marriage, and safe-driver discounts applied.

Large car insurance companies and the discounts they provide are:

• The Hartford offers premium reductions for good student, bundle, defensive driver, vehicle fuel type, anti-theft, driver training, and air bag.
• American Family offers discounts including defensive driver, multi-vehicle, air bags, accident-free, and TimeAway discount.
• Progressive may include discounts for continuous coverage, good student, homeowner, online quote discount, and multi-vehicle.
• Travelers discounts include early quote, new car, hybrid/electric vehicle, save driver, IntelliDrive, driver training, and continuous insurance.
• Farmers Insurance has savings for switch companies, alternative fuel, electronic funds transfer, mature driver, pay in full, and distant student.
• USAA may offer discounts for military installation, safe driver, annual mileage, new vehicle, and good student.
• Liberty Mutual offers discounts for safety features, new move discount, teen driver discount, new graduate, multi-car, preferred payment discount, and multi-policy.

It’s a good idea to ask each company or agent to give you their best rates. All car insurance discounts may not apply to policyholders in Lubbock. To locate insurance companies that offer discounts in Lubbock, follow this link.

Three good reasons to insure your vehicle

Even though it’s not necessarily cheap to insure a Chevy in Lubbock, insuring your vehicle serves an important purpose.

• Most states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability insurance if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Chevy Impala has a loan, most banks will force you to have comprehensive coverage to protect their interest in the vehicle. If the policy lapses, the bank will be required to insure your Chevy for a much higher rate and force you to pay for the expensive policy.
• Insurance safeguards not only your vehicle but also your assets. It will also cover hospital and medical expenses that are the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of having auto insurance are definitely more than the cost, particularly when you have a large claim. But the average American driver overpays as much as $800 each year so compare rate quotes at every policy renewal to ensure rates are inline.

Texas auto insurance companies ranked

Ending up with the highest-rated company is hard considering how many companies there are in Texas. The company rank data displayed below may help you pick which auto insurance companies you want to consider purchasing coverage from.

What is the best auto insurance coverage?

When it comes to coverage online or from an agent for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help highlight whether you could use an agent’s help.

• What does roadside assistance cover?
• Are combined or split liability limits better?
• When can I cancel my policy?
• Do I need PIP coverage since I have good health insurance?
• What is the premium to book value ratio for dropping full coverage?
• Are my custom wheels covered?
• Does insurance cover damages from a DUI accident?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

When to talk to an insurance agency

A small number of people just want to get professional advice from a licensed agent and that is OK! A good thing about comparing rates online is the fact that drivers can get better rates and still buy from a local agent.

Once you complete this quick form, your information is sent to agents in your area who want to provide quotes for your coverage. You won’t need to even leave your home because quoted prices will be sent to you instantly. You can find lower rates without a big time investment. If you want to compare prices from a specific insurance provider, you can always jump over to their website and complete a quote there.

Finding the right insurer should include more criteria than just the bottom line cost. Any agent in Lubbock should be willing to answer these questions.

• What is their Better Business Bureau rating?
• How long has their agency been open in Lubbock?
• Does their agency support local causes in Lubbock?
• Does the agent recommend any additional coverage?
• Is working in the agency their full-time job?
• Are there any discounts for paying up front?
• Is every driver in your family covered?
• Are they able to influence company decisions when a claim is filed?

Listed below is a short list of insurers in Lubbock willing to provide price quotes for Chevy Impala insurance in Lubbock.

View more agents

After talking to the agent and getting reasonable responses to your questions as well as a affordable price, most likely you have located a company that can be trusted to properly service your insurance policy. It’s important to know that you have the power to cancel coverage whenever you wish so never assume that you’re stuck with the insurance policy with no way out.

Car insurance coverage breakdown

Having a good grasp of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability insurance

Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 30/60/25 that means you have $30,000 bodily injury coverage, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged property.

Liability insurance covers things like legal defense fees, loss of income, medical expenses and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible. Texas state minimum liability requirements are 30/60/25 but it’s recommended drivers buy more liability than the minimum.

The next chart demonstrates why buying minimum limits may not provide adequate coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy Impala.

Due to the fact that many Texas drivers only purchase the least amount of liability that is required (30/60/25 in Texas), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like nursing services, funeral costs, pain medications, hospital visits and chiropractic care. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays for damage to your Impala from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, colliding with another moving vehicle, driving through your garage door, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your Impala to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, damage from a tornado or hurricane, fire damage, falling objects and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.