Beginners to comparison shopping online could find buying cheaper Impala insurance can be quite difficult.

Discount Chevy Impala insuranceIt's hard to fathom, but the vast majority of insurance customers in Colorado kept their coverage with the same insurance company for more than four years, and almost 40% of drivers have never even compared rates from other companies. Many drivers in the U.S. can cut their rates by as much as 46.5% a year, but they assume it's a waste of time to do a rate comparison.

Don't overlook these Chevy Impala insurance discounts

Some providers don't list the complete list of policy discounts in an easy-to-find place, so the following is a list of some of the more common in addition to some of the lesser obvious credits available to bring down your rates.

Discounts save money, but please remember that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, it just doesn't work that way.

Some of the larger companies that may offer most of the discounts above possibly include:

When getting a coverage quote, ask all companies you are considering how many discounts you can get. Some discounts might not be offered on policies everywhere.

Just remember that comparing a wide range of rates helps locate a better price.

The providers in the list below have been selected to offer price quotes in Colorado. If several companies are displayed, we suggest you click on several of them to get the most affordable price.

Chevrolet Impala Insurance Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $292 $672 $474 $28 $142 $1,608 $134
Impala LS $226 $536 $368 $22 $110 $1,262 $105
Impala LT $144 $282 $396 $24 $118 $964 $80
Impala LT $244 $454 $474 $28 $142 $1,342 $112
Impala LTZ $152 $312 $362 $22 $108 $956 $80
Impala LTZ $216 $500 $426 $26 $128 $1,296 $108
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific location which can lower or raise insurance rates noticeably.

Can higher deductibles save money?

The illustration below demonstrates how deductibles and can raise or lower Chevrolet Impala insurance rates for different age groups of insureds. The data assumes a married female driver, comp and collision included, and no discounts are applied to the premium.

How do Insurance Companies Determine Chevy Impala Insurance Prices?

When buying insurance it's important to understand a few of the rating criteria that play a part in calculating the rates you pay for insurance. If you have a feel for what determines base rates, this allows you to make educated decisions that may result in cheaper rates. Lots of factors are used in the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, but other factors are not as apparent such as your credit history or your financial responsibility.

You are unique and your car insurance should be too

When it comes to choosing your policy, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether you may require specific advice.

If you're not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Exclusive versus independent insurance agents

Some consumers prefer to talk to a local agent and that can be a great decision A good thing about getting free rate quotes online is you can get the best rates and also buy local.

Fort Collins insurance agentsTo make it easy to find an agent, after completing this quick form, your coverage information is transmitted to insurance agents in Fort Collins who will give you bids to get your business. You won't need to search for any insurance agencies since rate quotes are delivered to your email. It's the lowest rates and a licensed agent to work with. If you want to get a comparison quote from a specific auto insurance provider, feel free to find their quoting web page and fill out their quote form.

Picking the best insurance company is decision based upon more than just the premium amount. Agents should be asked these questions:

Pick the best car insurance agent in Fort Collins for you

When searching for an insurance agent, it helps to know the two types of insurance agents and how they are distinctly different. Auto insurance agencies can either be exclusive or independent (non-exclusive).

Exclusive Agencies

Exclusive agencies work for only one company like Allstate and State Farm. Exclusive agents are unable to provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents receive a lot of sales training on their company's products which helps them sell on service rather than price. Consumers often use the same agent mainly due to high brand loyalty and solid financial strength.

Shown below are Fort Collins exclusive insurance agents that are able to give price quotes.

More insurance agents

Independent Agents

Agents that elect to be independent are normally appointed by many insurers and that is an advantage because they can write policies with an assortment of companies and get you the best rates possible. If your premiums go up, the business is moved internally and that require little work on your part.

When comparing auto insurance prices, you need to contact multiple independent agents in order to have the best price comparison. Most also have access to lesser-known insurance companies that may provide cheaper auto insurance rates.

Listed below are independent agencies in Fort Collins willing to provide price quotes.

More insurance agents

Once you have received acceptable answers for all questions you ask as well as offering an affordable quote, you may have just found an insurance agent that can be trusted to adequately provide auto insurance.

Why you need insurance for your Impala

Despite the fact that insurance is not cheap in Fort Collins, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $820 a year so smart consumers compare quotes at every policy renewal to be sure current rates are still competitive.

A little work can save a LOT of money

We just covered many tips how you can lower your Chevy Impala insurance auto insurance rates in Fort Collins. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even discover the lowest priced car insurance comes from some of the smallest insurance companies.

Drivers change insurance companies for many reasons like being labeled a high risk driver, delays in responding to claim requests, high prices or even questionable increases in premium. It doesn't matter what your reason, finding the right car insurance provider is easier than you think.

Cost effective Chevy Impala insurance is possible online and also from your neighborhood Fort Collins agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not have price quotes online and these smaller companies work with local independent agencies.

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