Affordable Insurance for a Chevy Impala in Tucson

Are you sick of overpaying and want cheaper Chevy Impala insurance in Tucson? Searching for lower-cost Tucson Chevy Impala insurance quotes on the internet might seem rather difficult for people not familiar with comparing rates online. With dozens of insurers available, how can people possibly compare all the different companies and get the lowest price available?

Unimaginable but true, most car insurance buyers in Arizona have stayed with the same insurance company for more than four years, and practically 40% of car insurance customers have never even compared rates from other companies. Many drivers in the United States could save as much as $850 each year, but most tend to underestimate how much they could save if they switched to a cheaper policy.

It’s a great practice to shop coverage around before your next renewal because car insurance prices are rarely the same from one policy term to another. Even if you got the best quotes on Chevy Impala insurance in Tucson on your last policy there may be better deals available now. Forget all the misinformation about car insurance because you’re about to learn one of the best ways to find better coverage on Chevy Impala insurance in Tucson at a better price.

Locating the best rates in Tucson is actually quite easy if you know where to start. Virtually each driver who is looking for a better price on auto insurance should be able to find lower rates. Although Arizona vehicle owners do need to learn the way companies price online insurance and use it to your advantage.

When quoting car insurance, remember that comparing a large number of companies helps improve the odds of finding more affordable rates.

The following companies have been selected to offer free quotes in Arizona. In order to find cheap auto insurance in Tucson, we suggest you click on several of them in order to get a fair rate comparison.

Three reasons to not skimp on insurance

Despite the potentially high cost of Chevy Impala insurance, paying for insurance is a good idea for several reasons.

• Just about all states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability protection in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Impala has a loan, it’s guaranteed your bank will make it mandatory that you buy full coverage to guarantee their interest in the vehicle. If the policy lapses, the lender may insure your Chevy for a lot more money and force you to reimburse them the higher premium.
• Insurance preserves your car and your assets. It also can pay for all forms of medical expenses incurred in an accident. Liability coverage will also pay attorney fees if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to repair the damage.

The benefits of carrying enough insurance greatly outweigh the cost, especially with large liability claims. As of last year, the average driver in Arizona overpays as much as $830 a year so compare rate quotes once a year at a minimum to ensure rates are competitive.

Analysis of Chevy Impala rates

The price information displayed below outlines a range of insurance policy prices for Chevy Impala models. Being more informed about how rates are figured can be valuable when making decisions when shopping around.

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in specific location information which can lower or raise auto insurance rates greatly.

How high should deductibles be?

A question often asked by Tucson drivers is how high should the physical damage deductibles be. The rates below summarize the differences in price of buying low and high comp and collision deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in specific location information which can increase or decrease insurance rates significantly.

We can derive from the above data that using a $100 deductible could cost the average driver approximately $21 more each month or $252 every year averaged for all Impala models than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 19 months between claims, you would save more money if you elect the higher deductible. The table below illustrates a better example of how this calculation is made.

Auto insurance rates by age and gender

The diagram below shows the comparison of Chevy Impala yearly insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, full coverage, $500 deductibles, drivers are single, and no discounts are applied.

Don’t neglect these discounts on Chevy Impala insurance in Tucson

Companies offering auto insurance don’t list every possible discount in a way that’s easy to find, so the below list has both well-publicized and also the lesser-known credits available to bring down your rates. If you do not double check each discount you deserve, you could be paying more than you need to.

• Safety Restraint Discount – Requiring all passengers to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Home Ownership Discount – Owning a house in Tucson may earn you a small savings because of the fact that having a home requires personal responsibility.
• Distant College Student Discount – Kids who attend college more than 100 miles from Tucson and do not take a car to college may be able to be covered for less.
• No Claims – Insureds who avoid accidents and claims can earn big discounts in comparison to insureds who have frequent claims or accidents.
• Multiple Cars – Buying coverage for all your vehicles on a single policy can reduce the rates for all insured vehicles.
• Drivers Education – Require your teen driver to successfully take a driver’s education course as it can save substantially.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your Tucson car insurance quote.
• Early Renewal Discounts – Some companies reward drivers for buying a policy prior to your current Impala insurance policy expiring. It can save you around 10%.
• Memberships – Joining qualifying clubs or civic groups is a simple method to lower premiums on your bill.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The chart below shows the comparison of Chevy Impala car insurance costs with and without policy discounts. The data assumes a male driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, multi-car, claim-free, and marriage discounts applied.

Insurance companies who might offer some of the discounts shown above include:

• State Farm
• GEICO
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

When getting a coverage quote, ask every company which discounts they offer. Some of the discounts discussed earlier may not apply to policyholders in your state. To choose car insurance companies that can offer you the previously mentioned discounts in Tucson, click this link.

Auto insurance agents are professional risk managers

Some consumers just prefer to visit with an insurance agent and that is just fine! The best thing about comparing car insurance online is you can get the best rates but still work with a licensed agent.

Once you complete this simple form, your insurance data is submitted to agents in your area that can provide free Tucson car insurance quotes and help you find cheaper coverage. You never need to contact an agency due to the fact that quote results will go to your email. You can get cheaper car insurance rates without the usual hassles of price shopping. If for some reason you want to get a comparison quote from a specific company, you just need to jump over to their website and fill out the quote form the provide.

Picking an provider requires you to look at more than just a cheap quote. These are some valid questions you should ask.

• Does the agency have a good rating with the Better Business Bureau?
• Is there a 24/7 contact number?
• Will high miles depreciate repair valuations?
• Do they receive special compensation for putting your coverage with one company over another?
• Are they able to provide referrals?
• Will the agent help in case of a claim?

Auto insurance agents in Tucson come in two varieties

When looking for a good Tucson insurance agent, it’s important to understand the different types of agents that you can choose from. Car insurance policy providers are considered either independent or exclusive depending on the company they work for.

Exclusive Agencies

Agents in the exclusive channel generally can only insure with one company such as American Family, State Farm, and Allstate. Exclusive agencies are unable to place coverage with different providers so it’s a take it or leave it situation. These agents are well schooled on sales techniques and that can be a competitive advantage. Some consumers prefer to choose to use a exclusive agent mostly because of the prominence of the brand and strong financial ratings.

Below are exclusive agencies in Tucson that are able to give comparison quotes.

• Joe Abong – State Farm Insurance Agent
  2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016 – View Map
• Kevin Dale – State Farm Insurance Agent
  5643 E Grant Rd – Tucson, AZ 85712 – (520) 721-8184 – View Map
• Allstate Insurance: Shannon Burke
  2860 W Ina Rd Ste 104 – Tucson, AZ 85741 – (520) 742-6683 – View Map

View more agents

Independent Car Insurance Agencies

These type of agents are not limited to a single company and that is an advantage because they can write policies with lots of companies and find the cheapest car insurance rates. If they quote lower rates, your policy is moved internally which is easy for the insured. If you are comparing rate quotes, you need to contact a couple of independent agencies to get the best comparison. Many write coverage with smaller companies which may have better rates.

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

• Pacific International Insurance, LLC
  2193 N Camino Principal – Tucson, AZ 85715 – (520) 886-3066 – View Map
• DM Lovitt Insurance Agency
  607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map
• Leavitt Group – Koty-Leavitt Insurance Agency
  6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900 – View Map

View more agents

One last thing to lower rates

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

Cost effective Chevy Impala insurance is attainable online as well as from insurance agents, and you need to price shop both to have the best selection. There are still a few companies who do not provide online quoting and these smaller companies only sell coverage through independent agencies.

We covered some good ideas how you can compare Chevy Impala insurance prices in Tucson. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest prices come from a small local company.

Steps to finding cheaper Chevy Impala insurance in Tucson

If you want to find the absolute lowest rates, then the best way to get budget auto insurance rates is to annually compare prices from companies who can sell car insurance in Tucson.

• Step 1: Gain an understanding of how your policy works and the things you can control to keep rates down. Many rating factors that are responsible for high rates like traffic violations, accidents, and a not-so-good credit score can be controlled by improving your driving habits or financial responsibility.
• Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while independent agents can provide prices from multiple insurance companies.
• Step 3: Compare the new rates to your existing policy to see if cheaper Impala coverage is available in Tucson. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Give proper notification to your current agent or company to cancel the current policy and submit the completed application along with a down payment to the newly selected company. Make sure you place the new proof of insurance paperwork along with your vehicle registration.

One thing to remember is to try to compare the same physical damage deductibles and liability limits on every price quote and and to get price estimates from all possible companies. Doing this ensures a level playing field and the best price quote selection.

Much more information about insurance in Arizona is available below:

• Avoiding Deer Collisions (Insurance Information Institute)
• How Much are Car Insurance Rates for Drivers Over Age 60 in Tucson? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Retired Military in Tucson? (FAQ)
• Auto Crash Statistics (Insurance Information Institute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Child Safety FAQ (iihs.org)