Cheap Insurance for a Chevy Impala in Honolulu

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Insurance rates Chevy Impala in HonoluluReally, the only way to quote cheaper Chevy Impala insurance in Honolulu is to compare quotes once a year from insurers that insure vehicles in Hawaii. This can be done by completing these steps.

Step 1: Take a few minutes and learn about the coverage provided by your policy and the modifications you can make to prevent high rates. Many rating criteria that drive up the price such as at-fault accidents, speeding tickets, and a bad credit score can be amended by making minor changes in your lifestyle. Later in this article we will cover more ideas to help prevent expensive coverage and get additional discounts that may have been overlooked.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices for a wide range of insurance providers. View rates

Step 3: Compare the new rate quotes to your current policy premium to determine if you can save on Impala insurance. If you can save money and change companies, verify that coverage does not lapse between policies.

Step 4: Notify your current company of your intent to cancel your current coverage. Submit payment along with a signed and completed policy application to the new company. Make sure you store the proof of insurance paperwork in an accessible location in your vehicle.

A good tip to remember is to make sure you're comparing the same level of coverage on each price quote and and to get prices from every insurance company. Doing this ensures an apples-to-apples comparison and the best rate selection.

Everyone knows that auto insurance companies don't want their customers to go rate shopping. Drivers who get comparison quotes once a year are very likely to buy a new policy because they have good chances of finding a more affordable policy premium. A study discovered that people who compared rates once a year saved as much as $850 each year as compared to drivers who don't regularly compare prices.

If finding low prices for Chevy Impala insurance in Honolulu is why you're reading this, then understanding the best ways to shop for cheaper coverage can help make the process easier.

The method we recommend to compare car insurance company rates for Chevy Impala insurance in Honolulu is to realize most larger insurance companies provide online access to compare their rates. The only thing you need to do is take a few minutes to give details including your job, marital status, if you went to college, and if the car is leased. That rating data gets sent immediately to multiple different insurance companies and you receive quotes instantly.

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

The providers in the list below are our best choices to provide quotes in Honolulu, HI. If more than one company is shown, it's a good idea that you visit several of them to get a more complete price comparison.

Auto insurance policy discounts for Chevy Impala insurance in Honolulu

Some providers do not list all discounts very well, so we took the time to find both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy Honolulu car insurance online. If you aren't receiving every discount possible, you are just wasting money.Save money with discounts

  • Driving Data Discount - Drivers that enable driving data collection to analyze their driving habits by using a telematic data system like In-Drive from State Farm and Progressive's Snapshot could see a rate decrease if they exhibit good driving behavior.
  • Use Seat Belts - Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% off PIP or medical payments premium.
  • Homeowners Savings - Owning a house in Honolulu can help you save on auto insurance since owning and maintaining a home requires personal responsibility.
  • Distant College Student Discount - Children who are enrolled in higher education away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Good Student - Maintaining excellent grades can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Low Mileage - Driving less could earn lower auto insurance rates due to less chance of an accident.
  • Discount for Passive Restraints - Vehicles equipped with air bags may qualify for discounts of 20 to 30 percent.
  • Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life policy as well.
  • ABS Braking Discount - Vehicles with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • Multi-car Discount - Buying a policy with several vehicles on one policy can reduce the rates for all insured vehicles.

Remember that some credits don't apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

The example below illustrates the comparison of Chevy Impala insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Hawaii state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, safe-driver, multi-policy, and multi-car discounts applied.

If you would like to see a list of insurance companies that offer many of these discounts in Honolulu, click this link.

Chevy Impala insurance coverage information

The coverage information below showcases a range of policy rates for Chevy Impala models. Learning a little about how rate quotes are calculated can assist in making decisions when choosing a new policy provider.

Chevrolet Impala Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $192 $404 $270 $16 $80 $962 $80
Impala LS $192 $404 $270 $16 $80 $962 $80
Impala LT $220 $404 $270 $16 $80 $990 $83
Impala LT $220 $404 $270 $16 $80 $990 $83
Impala LTZ $220 $476 $270 $16 $80 $1,062 $89
Impala LTZ $220 $476 $270 $16 $80 $1,062 $89
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rates do not factor in your specific Honolulu location which can affect coverage rates noticeably.

Raise deductibles and save

One of the more difficult decisions when buying auto insurance is how high should your deductibles be. The data tables below may help you to understand the rate differences between high and low comp and collision deductibles. The first price estimate table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Chevrolet Impala insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $178 $344 $264 $16 $80 $907 $76
Impala LS $178 $344 $264 $16 $80 $907 $76
Impala LT $204 $344 $264 $16 $80 $933 $78
Impala LT $204 $344 $264 $16 $80 $933 $78
Impala LTZ $204 $406 $264 $16 $80 $995 $83
Impala LTZ $204 $406 $264 $16 $80 $995 $83
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Chevrolet Impala insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $144 $278 $264 $16 $80 $782 $65
Impala LS $144 $278 $264 $16 $80 $782 $65
Impala LT $166 $278 $264 $16 $80 $804 $67
Impala LT $166 $278 $264 $16 $80 $804 $67
Impala LTZ $166 $328 $264 $16 $80 $854 $71
Impala LTZ $166 $328 $264 $16 $80 $854 $71
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium amounts do not factor in specific zip code location which can raise or lower coverage prices noticeably.

Based on this data, using a $250 deductible costs approximately $11 more each month or $132 each year across all Chevrolet Impala models than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 23 months between claims, you would save money if you choose the higher deductible. Below is the way you can perform this determination yourself.

Average monthly premium for $250 deductibles: $79
Average monthly premium for $500 deductibles (subtract): - $68
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important issue to know is that a higher deductible results in a higher out-of-pocket expense when you have a claim. That will force you to have enough disposable income in the event you have to pay the deductible.

The information below highlights how deductible choice and can raise or lower Chevy Impala insurance premiums for different age groups. The premium estimates are based on a single male driver, full coverage, and no discounts are applied.

Price comparison of only insuring for liability

The information below visualizes the comparison of Chevy Impala insurance rates when comparing full coverage to state minimum liability only. The data assumes a clean driving record, no claims, $500 deductibles, drivers are not married, and no policy discounts are applied.

When to drop comp and collision

There is no written rule to eliminate physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's assume your Chevy Impala claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If you are paying over $200 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some conditions where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

When to contact an insurance agency

Many people just prefer to talk to an insurance agent and that is a smart decision Insurance agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of comparing rate quotes online is you can get lower rates and still have an agent to talk to. And providing support for local agents is still important in Honolulu.

Insurance agency in HonoluluAfter completing this simple form, your information is instantly submitted to companies in Honolulu who can give free rate quotes for your auto insurance coverage. You won't even need to leave your house since rate quotes are delivered straight to your inbox. In the event you want to get a rate quote from a specific auto insurance provider, you can always search and find their rate quote page and give them your coverage information.

Below are agents in Honolulu who can help you get rate quotes for Chevy Impala insurance in Honolulu.

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Deciding on an company should include more criteria than just a cheap quote. Below are some questions you should ask.

  • Is the agent CPCU or CIC certified?
  • Can they give you a list of client referrals?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Are they involved in claim handling?
  • Will a damage claim use OEM or aftermarket replacement parts?
  • Does the agency have a positive business rating?

Do I just need basic coverages?

Always keep in mind that when comparing the best car insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's needs are different and your policy should reflect that.Higher deductibles save money These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

  • Am I covered by my spouse's policy after a separation?
  • Is my Chevy Impala covered for smoke damage?
  • Is other people's property covered if stolen from my vehicle?
  • Am I covered while delivering pizza?
  • Should I carry comprehensive and collision coverage?
  • Am I covered if I break a side mirror?
  • Should I rate my vehicle as business use?
  • What does PIP insurance cover?
  • Should I pay a claim out-of-pocket?

If you can't answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Eight factors that influence insurance prices

The best way to find cheaper car insurance is to take a look at some of the things that help calculate the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower premium levels. Lots of factors are used when premium rates are determined. Most are fairly basic such as your driving record, although some other factors are not as apparent such as your credit history and annual miles driven.

  • Costs impacted by vehicle usage - The more you drive your Chevy annually the higher your rates will be. Almost all companies rate vehicles based on how the vehicle is used. Vehicles that do not get driven very much receive better premium rates compared to those used for work or business. Make sure your vehicle rating reflects the right rating data. Incorrect rating for your Impala can result in significantly higher rates.
  • Save money by raising comp and collision deductibles - Comp and collision deductibles tell how much the insured will be required to pay if you file a covered claim. Coverage for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Some coverage claims could be rear-ending another vehicle, damage from fire, and damage caused by road hazards. The more money you pay before a claim is paid (deductible), the lower your rates will be.
  • Your address can influence price - Being located in areas with lower population may provide you with better prices when buying car insurance. Less people living in that area corresponds to lower accident rates and also fewer theft and vandalism claims. Residents of big cities regularly have traffic congestion and higher rates of accident claims. More time commuting means more chances of being involved in an auto accident.
  • Multiple policies with one company - Most major companies will award discounts to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, it's in your best interest to check prices from other companies to make sure you are getting the best deal. It's possible to still save money by buying insurance from more than one company.
  • Higher rates for demanding occupations - Do you work in a high-stress field? Careers like doctors, executives, and medical professionals generally have higher premium rates due to job stress and extremely grueling work hours. On the flip side, careers like farmers, historians and homemakers pay lower than average rates.
  • Why do you need liability? - Liability insurance kicks in if ever you are found to be at fault for causing damage or personal injury in an accident. Your policy's liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Discounts for GPS tracking and theft deterrents - Owning a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
  • Never let your car insurance policy lapse - Having a gap between insurance policy dates will be a sure-fire way to increase your renewal premiums. Not only will rates go up, being ticketed for driving with no insurance could earn you a revoked license or a big fine.
  • Chevy Impala insurance loss probability - Companies analyze past claim statistics when they file their rates in each state. Vehicles that the data determines to have higher number or severity of losses will have increased rates. The table shown below demonstrates the historical loss data for Chevy Impala vehicles.

    For each coverage category, the claim amount for all vehicles, without regard to make or model, is a value of 100. Percentage values below 100 suggest a better than average loss history, while percentages above 100 point to more claims or tendency to have higher losses.

    Insurance Loss Ratings for Chevrolet Impala Vehicles
    Specific Chevrolet 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

    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Protect your Impala and other assets

Even though Honolulu Impala insurance rates can get expensive, maintaining insurance is required for several reasons.

  • The majority of states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability protection in order to be legal. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your Chevy Impala has a lienholder, almost every bank will have a requirement that you carry insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender will be forced to insure your Chevy for a much higher rate and force you to pay much more than you were paying before.
  • Insurance safeguards both your assets and your vehicle. Insurance will also pay for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay to defend you if you are sued as the result of an accident. If you have damage to your Chevy as the result of the weather or an accident, your car insurance policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your car more than cancel out the cost, specifically if you ever have a liability claim. But the average American driver overpays as much as $700 annually so you should quote and compare rates at every renewal to be sure current rates are still competitive.

Quote often and quote early

Lower-priced insurance in Honolulu is attainable both online as well as from independent agents in Honolulu, and you should be comparing both to have the best chance of lowering rates. Some companies may not have rate quotes online and many times these regional carriers only sell through independent insurance agents.

We covered many ideas to reduce Chevy Impala insurance premium rates online in Honolulu. It's most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with the least-expected company. Some small companies often have lower prices on specific markets than the large multi-state companies such as Allstate or State Farm.

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