Best Insurance for a Chevy Impala in San Jose

  1. Home
  2. >
  3. Popular Vehicles
  4. >
  5. Chevrolet Impala

Insurance quote for Chevy Impala in San JoseIf saving money is your primary concern, then the best way to get affordable Chevy Impala insurance in San Jose is to compare prices at least once a year from companies in California.

First, read about car insurance and the factors you can control to prevent expensive coverage. Many rating criteria that drive up the price such as careless driving and an unacceptable credit history can be eliminated by making minor driving habit or lifestyle changes. Later in this article we will cover instructions to help reduce premium rates and find overlooked discounts.

Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while agents who are independent can provide rate quotes from many different companies. Find a San Jose insurance agent

Third, compare the quotes to your current policy and determine if cheaper Impala coverage is available. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.

One tip to remember is that you use identical limits and deductibles on each price quote and and to get prices from every company you can. Doing this ensures a level playing field and a better comparison of the market.

A recent study showed that the vast majority of consumers have remained with the same car insurance company for at least four years, and 38% of customers have never compared rates with other companies. The average driver in San Jose could save $469 each year by just shopping around, but they just don't want to go online and compare rates.

The quickest method to get policy rate comparisons for Chevy Impala insurance in San Jose is to know all the major auto insurance companies participate in online systems to quote your coverage. The only thing you need to do is take a few minutes to give details including how many miles driven, whether you are married, if it has an alarm system, and if you lease or own. That rating information is then sent to all major companies and they respond with quotes within a short period of time.

To compare rates for your Chevy Impala now, click here then complete the form.

The companies shown below are ready to provide comparison quotes in California. If multiple companies are shown, we recommend you visit several of them in order to find the cheapest rates.

Get lower-cost Chevy Impala insurance in San Jose with discounts

Some companies don't always publicize every possible discount in an easy-to-find place, so we break down a few of the more well known as well as some of the hidden auto insurance savings. If you aren't receiving every discount possible, it's possible you qualify for a lower rate.Save money with discounts

  • Discount for Life Insurance - If the company offers life insurance, you could get a break if you buy auto and life insurance together.
  • Service Members Pay Less - Being deployed with a military unit may lower your premium rates slightly.
  • Accident Waiver - This one is not really a discount per se, but a few companies such as Progressive, State Farm and GEICO permit an accident without raising rates so long as you haven't had any claims prior to being involved in the accident.
  • Claim-Free Discount - Good drivers with no accidents pay much less when compared to drivers with a long claim history.
  • Theft Deterrent Discount - Cars equipped with anti-theft or alarm systems help deter theft and will save you 10% or more on Impala insurance in San Jose.
  • Anti-lock Brake System - Vehicles with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.

Don't be shocked that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don't profit that way.

The diagram below shows the difference between Chevy Impala insurance costs with and without discounts applied. The rate quotes are based on a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-policy, homeowner, and multi-car discounts applied.

Large auto insurance companies and a summarized list of policyholder discounts are detailed below.

  • GEICO offers premium reductions for daytime running lights, federal employee, military active duty, anti-theft, and anti-lock brakes.
  • SAFECO has savings for homeowner, teen safety rewards, multi-car, accident prevention training, anti-lock brakes, and bundle discounts.
  • State Farm policyholders can earn discounts including Drive Safe & Save, accident-free, student away at school, good driver, and driver's education.
  • MetLife may have discounts that include defensive driver, accident-free, good student, claim-free, and multi-policy.
  • 21st Century may include discounts for 55 and older, homeowners, automatic seat belts, student driver, theft prevention, and teen driver.
  • Progressive offers discounts for online quote discount, homeowner, online signing, multi-policy, continuous coverage, multi-vehicle, and good student.

It's a good idea to ask every prospective company the best way to save money. Discounts might not be available to policyholders in San Jose.

Chevy Impala coverage analysis

The coverage information displayed below highlights a range of insurance rates for Chevy Impala models. Understanding how prices are determined can help customers make smart choices when buying a car insurance policy.

Chevrolet Impala Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $378 $686 $578 $34 $174 $1,850 $154
Impala LS $378 $686 $578 $34 $174 $1,850 $154
Impala LT $434 $686 $578 $34 $174 $1,906 $159
Impala LT $434 $686 $578 $34 $174 $1,906 $159
Impala LTZ $434 $810 $578 $34 $174 $2,030 $169
Impala LTZ $434 $810 $578 $34 $174 $2,030 $169
Get Your Own Custom Quote Go

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in San Jose location which can change premiums noticeably.

The illustration below shows how choosing a deductible and can raise or lower Chevy Impala insurance costs for each different age category. The price estimates are based on a married male driver, full coverage, and no policy discounts are applied.

Chevrolet Impala liability rates compared to full coverage

The diagram below visualizes the comparison of Chevy Impala insurance rates with liability coverage only compared to full coverage. The premiums assume no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no other discounts are factored in.

Deciding between full coverage and liability only

There is no set rule of when to phase out full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's say your Chevy Impala settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after paying your policy deductible. If premiums are more than $500 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some cases where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

What Determines Chevy Impala Insurance Premiums?

Many things are used in the calculation when quoting car insurance. Most are fairly basic like your driving record, but others are less obvious like your continuous coverage or your commute time.

Never have policy lapses - Driving your car without having proper coverage is a big no-no and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, not being able to provide proof of insurance could result in a steep fine or even jail time.

Bad driving means higher prices - Being a careful driver influences premium rates substantially. Attentive drivers get better rates compared to bad drivers. Having a single speeding ticket can increase the cost of insurance to the point where it's not affordable. Drivers unfortunate enough to have serious tickets such as DUI or reckless driving may find they need to complete a SR-22 with the DMV in their state in order to legally drive a vehicle.

The illustration below shows how traffic citations and at-fault claims impact Chevy Impala auto insurance costs for different ages of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Raise physical damage deductibles and save - Physical damage protection, also called comprehensive and collision insurance, insures against damage to your Chevy. Some examples of covered claims could be a broken windshield, vandalism, and rolling your vehicle. Your deductibles represent how much money you are willing to pay if a covered claim is submitted. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be.

Your gender affects costs - Statistics have proven females are less aggressive when driving. The data does not necessarily mean that women are BETTER drivers than men. Females and males cause at-fault accidents in similar percentages, but the male of the species cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Young males cause the most accidents and therefore are the most expensive to insure.

The example below shows the difference between Chevy Impala insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, full coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.

Do you save by driving less? - The higher the mileage driven each year the higher the price you pay to insure it. Most companies apply a rate based upon how much you drive. Cars and trucks used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy shows the correct usage, because it can save money. Having an incorrect usage rating on your Impala may be wasting your money.

Auto insurance rates and your employer - Jobs such as military personnel, social workers, and stock brokers generally have higher rates than average attributed to stressful work requirements and lots of time spent at work. On the other hand, professions such as farmers, historians and performers generally pay rates lower than average.

Chevy Impala claim data - Insurers use historical loss data to help set a rate to offset losses. Vehicles that historically have higher loss trends will have higher rates. The next table shows the actual insurance loss data for Chevy Impala vehicles.

For each coverage category, the claim amount for all vehicles averaged together is represented as 100. Values below 100 are indicative of better than average losses, while values over 100 indicate frequent claims or statistically larger claims.

Car Insurance Loss Data for Chevrolet Impala Models
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

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years