Insurance rates Chevy Impala in AtlantaHas it been a year or more since you last compared quotes for the cheapest insurance rates in Atlanta, GA? Atlanta shoppers have options when shopping for the best price on Chevy Impala insurance. You can either spend your time struggling with agents to get rate comparisons or leverage the internet to make rate comparisons.

There are more efficient ways to compare insurance rates and we'll show you the best way to get price quotes for a new or used Chevy and get the lowest possible price from both online companies and Atlanta agents.

It's smart to do rate comparisons occasionally because prices are variable and change quite frequently. Even if you got the lowest price on Chevy Impala insurance in Atlanta two years ago you may be paying too much now. Block out anything you think you know about insurance because I'm going to let you in on the secrets to the right way to lower your rates without sacrificing coverage.

If you already have coverage or need a new policy, you can learn to find better prices without reducing protection. This article's goal is to familiarize you with the most effective ways to compare rates and some tricks to saving. Shoppers only need to know the most efficient way to compare prices over the internet.

Chevy Impala insurance quotes comparison

Lowering your car insurance rates is not a difficult process. Consumers just need to spend a few minutes on the computer comparing rate quotes online from several insurance companies.

The providers in the list below have been selected to offer price quotes in Atlanta, GA. If several companies are displayed, it's highly recommended you click on several of them in order to find the most competitive rates.

Chevrolet Impala Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $254 $630 $444 $26 $134 $1,488 $124
Impala LS $126 $268 $370 $22 $110 $896 $75
Impala LT $208 $396 $532 $32 $158 $1,326 $111
Impala LT $170 $296 $406 $24 $122 $1,018 $85
Impala LTZ $248 $486 $394 $24 $118 $1,270 $106
Impala LTZ $162 $392 $444 $26 $134 $1,158 $97
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can raise or lower auto insurance rates noticeably.

Raise deductibles and save

When comparing auto insurance rates, the most common question is how high should the deductibles for physical damage be. The tables below can help illustrate the rate difference between low and high deductibles. The first rate table uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Chevrolet Impala insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $294 $612 $394 $24 $118 $1,467 $122
Impala LS $294 $612 $394 $24 $118 $1,467 $122
Impala LT $338 $612 $394 $24 $118 $1,511 $126
Impala LT $338 $612 $394 $24 $118 $1,511 $126
Impala LTZ $338 $720 $394 $24 $118 $1,619 $135
Impala LTZ $338 $720 $394 $24 $118 $1,619 $135
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Chevrolet Impala insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $216 $414 $394 $24 $118 $1,166 $97
Impala LS $216 $414 $394 $24 $118 $1,166 $97
Impala LT $248 $414 $394 $24 $118 $1,198 $100
Impala LT $248 $414 $394 $24 $118 $1,198 $100
Impala LTZ $248 $486 $394 $24 $118 $1,270 $106
Impala LTZ $248 $486 $394 $24 $118 $1,270 $106
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can impact price quotes substantially.

Based on the data above, we can derive that using a $100 deductible costs approximately $27 more each month or $324 every year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 15 months between claims, you would most likely save money if you choose the higher deductible. Here's a better example of how this calculation is made.

Average monthly premium for $100 deductibles: $128
Average monthly premium for $500 deductibles (subtract): - $101
Monthly savings from raising deductible: $27
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important caveat is that increasing deductibles to save money means you will have to cover more of the damage yourself when you have to file a claim. You need to make sure you have enough money stashed away in the event you have to pay the deductible to have repairs made.

Affordable Atlanta car insurance rates with discounts

Car insurance can be pricey, but there's a good chance there are discounts that could help you make your next renewal payment. Some of these discounts will be visible when you quote, but some need to be specifically requested prior to getting the savings.Cheaper car insurance with discounts

Discounts save money, but please remember that most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free car insurance policy, insurance companies wouldn't stay in business. But all discounts should definitely cut your policy premium.

Companies who may offer some of the above discounts are:

Double check with each company or agent how you can save money. Savings might not be offered everywhere.

Best reasons to buy insurance in Georgia

Despite the high insurance cost for a Chevy Impala in Atlanta, insuring your vehicle serves a purpose in several ways.

The benefits of carrying enough insurance definitely exceed the cost, particularly if you ever have a claim. But the average American driver overpays as much as $800 each year so compare rates at every renewal to be sure current rates are still competitive.

Situations that may require an agent's advice

Always keep in mind that when comparing your policy for your personal vehicles, there isn't really a perfect coverage plan. Your situation is unique and your policy should reflect that.Higher deductibles save money These are some specific questions can help discover whether your personal situation would benefit from an agent's advice.

If you can't answer these questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Insurance agent or online?

Some people would rather buy from a licensed agent and that can be a smart move Professional agents are very good at helping people manage risk and give you someone to call. A nice benefit of comparing insurance prices online is that you can find better rates and still choose a local agent. Buying insurance from local insurance agencies is especially important in Atlanta.

Find insurance agent in AtlantaFor easy comparison, once you complete this form (opens in new window), the quote information is instantly submitted to participating agents in Atlanta who will give you bids to get your business. You won't need to drive around because prices are sent to you instantly. If you have a need to quote rates from a specific insurance provider, just go to their quote page and give them your coverage information.

When looking for a reliable insurance agent, you need to know there are two types of agencies to choose from. Agents in Atlanta can be classified as either independent (non-exclusive) or exclusive. Both sell and service insurance coverage, but it's important to know the difference between them because it can factor into the type of agent you choose.

Independent Insurance Agencies

Agents that elect to be independent do not have single company limitations so they can write business with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When comparing rate quotes, we recommend you get some free quotes from several independent insurance agents so that you have a good selection of quotes to compare. Many independent agencies also insure through less well-known companies which may provide better rates.

Shown below are Atlanta independent agencies who can help you get competitive price quotes.

More Atlanta agents

Exclusive Insurance Agents

These agents normally can only provide a single company's rates and examples are Farmers Insurance and State Farm. Exclusive agents cannot compare other company's rates so they have no alternatives for high prices. Exclusive agents are trained well on their products and sales techniques which can be an advantage. Consumers often use the same agent mostly because of the prominent brand name rather than having low rates.

Listed below is a short list of exclusive insurance agencies in Atlanta that are able to give comparison quotes.

More Atlanta agents

Selecting an insurance agency should include more criteria than just a cheap price quote. You should also get answers to these questions.

Insurance coverage basics

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Medical expense coverage - Coverage for medical payments and/or PIP reimburse you for bills for things like hospital visits, rehabilitation expenses and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive protection - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a deer, damage from getting keyed, fire damage and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Collision coverage - Collision insurance covers damage to your Impala from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, colliding with another moving vehicle, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible on your Impala to bring the cost down.

Uninsured or underinsured coverage - This coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle's damage.

Since many Georgia drivers only purchase the least amount of liability that is required (25/50/25 in Georgia), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy's liability coverage.

Auto liability insurance - Liability coverage provides protection from damage that occurs to other people or property that is your fault. It protects YOU from claims by other people. Liability doesn't cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair bills for other people's vehicles, bail bonds, pain and suffering, medical expenses and funeral expenses. The amount of liability coverage you purchase is your choice, but it's cheap coverage so purchase higher limits if possible. Georgia state law requires minimum liability limits of 25/50/25 but you should consider buying better liability coverage.