It’s a known fact that car insurance companies don’t want policyholders to shop around. People who compare price quotes are inclined to switch companies because there are good odds of finding a lower-priced policy. A recent survey found that consumers who compared rate quotes regularly saved as much as $70 a month compared to drivers who never shopped around for lower prices.
If finding the lowest rates on auto insurance in Arlington is your objective, then having an understanding of how to get free comparison quotes and analyze cheaper coverage can help make the process easier.
The best way to get discount Chevy Impala insurance in Arlington is to start comparing prices yearly from insurance carriers who provide car insurance in Texas.
- Step 1: Gain an understanding of what coverages are included in your policy and the steps you can take to prevent expensive coverage. Many rating factors that result in higher prices like speeding tickets, accidents and a poor credit rating can be remedied by paying attention to minor details.
- Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from many different companies.
- Step 3: Compare the quotes to your existing coverage to see if a cheaper price is available in Arlington. If you find a better price and switch companies, make sure coverage does not lapse between policies.
One piece of advice is to use similar limits and deductibles on each price quote and and to get prices from as many car insurance companies as possible. Doing this enables an apples-to-apples comparison and a complete rate analysis.
Buying the most affordable coverage in Arlington is not as time-consuming as you think. Basically, each driver who is shopping for auto insurance will more than likely get better rates. Nevertheless, Texas drivers should learn the way insurance companies calculate your auto insurance rates and use it to find better rates.
How to compare Chevy Impala insurance price quotes in Arlington, Texas
To get affordable Chevrolet Impala insurance quotes, there a variety of ways to compare rate quotes from different companies. The easiest way by far to compare insurance prices consists of obtaining rate quotes online.
Getting rates online is very simple and it takes the place of having to call or drive to insurance agents’ offices. The ability to buy insurance online reduces the need to sit down with an agent unless you want the trained advice of an agent trained in personal lines coverage. Drivers can comparison shop online but buy from a local insurance agent. When price shopping your coverage, comparing all the rates in your area increases the chance that you will find more affordable insurance. Not every company provides online Arlington Impala insurance quotes, so it’s necessary to compare rates from those companies as well.
The car insurance companies shown below have been selected to offer price quotes in Texas. To buy the best car insurance in Arlington, it’s a good idea that you visit two to three different companies in order to find the cheapest rates.
Chevy Impala coverage analysis
The coverage information displayed next showcases different insurance premium costs for Chevy Impala models. Having a better idea how prices are established can assist in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impala LS | $162 | $340 | $366 | $22 | $110 | $1,000 | $83 |
| Impala LS | $162 | $340 | $366 | $22 | $110 | $1,000 | $83 |
| Impala LT | $186 | $340 | $366 | $22 | $110 | $1,024 | $85 |
| Impala LT | $186 | $340 | $366 | $22 | $110 | $1,024 | $85 |
| Impala LTZ | $186 | $400 | $366 | $22 | $110 | $1,084 | $90 |
| Impala LTZ | $186 | $400 | $366 | $22 | $110 | $1,084 | $90 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in your specific Arlington location which can impact coverage prices greatly.
Analysis of deductible levels
A question often asked by Arlington drivers is which deductibles should you choose. The premium rates below approximate the premium difference between high and low physical damage coverage deductibles. The first data table uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impala LS | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Impala LS | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Impala LT | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Impala LT | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Impala LTZ | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| Impala LTZ | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in vehicle location which can revise price quotes substantially.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $27 more each month or $324 annually averaged for all Impala models than buying the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 28 months between claim filings, you would save more money if you decide on a higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $250 deductibles: | $112 |
| Average monthly premium for $1,000 deductibles (subtract): | – $85 |
| Monthly savings from raising deductible: | $27 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $27 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 28 months |
Impact of careless driving on auto insurance rates
The example below demonstrates how traffic citations and accident claims can impact Chevy Impala insurance prices for each age group. The prices are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
Chevrolet Impala insurance premiums by gender in Arlington
The chart below visualizes the comparison of Chevy Impala car insurance rates for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full coverage, $1,000 deductibles, single marital status, and no discounts are factored in.
Auto insurance policy discounts you can’t miss
Some providers don’t necessarily list all possible discounts very well, so the following is a list of a few of the more common and the more hidden credits that may apply to you.
- Arlington Homeowners Pay Less – Just owning your own home may earn you a small savings because maintaining a house is proof that your finances are in order.
- Passive Restraint Discount – Options like air bags or motorized seat belts may qualify for discounts of 20% or more.
- Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
- Discounts for Multiple Vehicles – Purchasing coverage when you have more than one vehicle with the same auto insurance company could earn a price break for each car.
- Service Members Pay Less – Having a deployed family member may lower your prices slightly.
- First Accident Forgiveness – This one isn’t a discount, but companies like GEICO, Allstate and Liberty Mutual permit an accident before your rates go up with the catch being you have to be claim-free for a specific time period.
- Safe Driver Discounts – Insureds without accidents could pay up to 40% less compared to accident prone drivers.
- Defensive Driving Course – Participating in a defensive driving course could cut 5% off your bill if your company offers it.
Don’t be surprised that most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that you could get a free auto insurance policy, companies don’t profit that way.
The information below illustrates the comparison of Chevy Impala insurance costs with and without policy discounts. The data is based on a male driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, claim-free, multi-policy, and safe-driver discounts applied.
A few popular companies and a summarized list of policyholder discounts are outlined below.
- 21st Century includes discounts for defensive driver, student driver, driver training, automatic seat belts, early bird, and air bags.
- State Farm offers premium reductions for safe vehicle, accident-free, Drive Safe & Save, multiple autos, passive restraint, Steer Clear safe driver discount, and good student.
- AAA may include discounts for anti-theft, education and occupation, good student, multi-policy, AAA membership discount, pay-in-full, and good driver.
- Liberty Mutual policyholders can earn discounts including exclusive group savings, newly retired, preferred payment discount, good student, and hybrid vehicle.
- Progressive has savings for homeowner, continuous coverage, online quote discount, multi-policy, multi-vehicle, good student, and online signing.
If you need affordable Arlington car insurance quotes, ask every prospective company the best way to save money. Some discounts listed above may not apply in Arlington.
Choosing vehicle insurance is an important decision
Despite the high insurance cost for a Chevy Impala in Arlington, paying for auto insurance may be mandatory for several reasons.
- Just about all states have minimum liability requirements which means the state requires specific minimum amounts of liability insurance if you want to drive legally. 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 lienholder, more than likely the lender will require that you have insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank or lender will purchase a policy for your Chevy at an extremely high rate and make you pay for the much more expensive policy.
- Auto insurance protects both your vehicle and your assets. It will also pay for many types of medical costs that are the result of an accident. One policy coverage, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will cover the repair costs.
The benefits of insuring your car more than offset the price you pay, especially with large liability claims. But the average driver in Texas is wasting up to $865 each year so it’s very important to do a rate comparison at every policy renewal to ensure rates are competitive.
Can’t I compare rates from local Arlington car insurance agents?
A lot of people prefer to talk to an insurance agent and that is OK! One of the best bonuses of getting online price quotes is you can get better rates and still have an agent to talk to. Buying from and supporting local agents is important especially in Arlington.
By using this form (opens in new window), your information is transmitted to agents in your area who will give you bids for your insurance coverage. There is no reason to find an agent on your own due to the fact that quote results will go to you. You can find lower rates without the usual hassles of price shopping. In the event you want to quote rates from a specific company, feel free to go to their quote page and fill out their quote form.
Deciding on a company needs to be determined by more than just a cheap price quote. You should also get answers to these questions.
- Will a damage claim use OEM or aftermarket replacement parts?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- If you raise deductibles, how much can you save?
- Are they actively involved in the community?
- Is the coverage adequate for your vehicle?