Cheapest Quotes for Chevy Impala Insurance in Boston

Having to pay for expensive auto insurance in Boston can bottom out your accounts and make it hard to pay other bills.

A recent auto insurance study revealed that most auto insurance buyers have stayed with the same insurance company for at least four years, and 38% of customers have never compared rates from other carriers. Massachusetts insurance shoppers could cut their rates by 45% a year just by shopping around, but they just don’t understand the amount of savings they would get if they switched to a more affordable policy.

Due to the abundance of companies to choose from that have cheap insurance for a Chevy Impala in Boston, it is hard for the average consumer to find the lowest cost auto insurance company.

It’s important to compare prices quite often because prices fluctuate regularly. Even if you think you had the best deal on Chevy Impala insurance in Boston a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out how to quote online to eliminate unnecessary coverages and save money on Chevy Impala insurance in Boston.

Just remember that comparing more rates from different companies will enable you to find the best price.

The providers in the list below provide quotes in Boston, MA. If you want cheap auto insurance in Boston, MA, we recommend you visit as many as you can in order to find the cheapest rates.

Choosing vehicle insurance is an important decision

Despite the high insurance cost for a Chevy Impala in Boston, buying car insurance is required in Massachusetts but it also protects you in many ways.

First, most states have minimum mandated liability insurance limits which means state laws require a specific level of liability protection if you drive a vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your car, most lenders will have a requirement that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank will be required to insure your Chevy at a significantly higher premium and require you to pay for the expensive policy.

Third, insurance safeguards not only your Chevy Impala but also your assets. Insurance will pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance will also pay to defend you if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance more than cancel out the cost, particularly when you have a large claim. The average driver in America is currently overpaying as much as $865 each year so we recommend shopping around at least once a year to make sure the price is not too high.

Auto insurance analysis for a Chevy Impala

The rate table shown next outlines detailed analysis of prices for Chevy Impala models. Being able to understand how insurance policy premiums are established is important for you to make decisions when choosing a new policy provider.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in specific garaging location which can modify coverage rates considerably.

Where to set your deductibles

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The rates below can help you visualize the differences in price when you select higher and lower physical damage coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in specific location which can change coverage prices greatly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $24 more each month or $288 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 31 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

Violations and accidents raise rates

The illustration below demonstrates how traffic citations and at-fault fender-benders influence Chevy Impala car insurance costs for each age group. The premiums assume a married female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Annual premiums for males compared to females in Boston

The example below shows the comparison of Chevy Impala yearly insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, single status, and no additional discounts are factored in.

Chevrolet Impala full coverage rates compared to liability only

The illustration below compares Chevy Impala premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Massachusetts. The prices are based on no claims or driving citations, $100 deductibles, drivers are single, and no additional discounts are factored in.

Should you buy full coverage or liability only?

There isn’t a steadfast formula to stop paying for physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s say your Chevy Impala replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after the deductible is paid. If it’s costing in excess of $500 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where removing full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Boston car insurance discounts

Companies offering auto insurance don’t always list every possible discount in an easy-to-find place, so here is a list a few of the more well known as well as the least known discounts that you may qualify for.

• Anti-lock Brakes – Cars with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• Switch and Save Discount – Select car insurance companies give a discount for signing up before your current coverage expires. You may see this discount when you get Boston auto insurance quotes online.
• Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on Boston auto insurance quote when compared with drivers who are more careless.
• Good Grades Discount – Maintaining excellent grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
• Accident Forgiveness – Not a discount per se, but some companies like State Farm and Allstate permit an accident without raising rates if you are claim-free for a specific time period.
• Paper-free Discount – A handful of car insurance companies provide a small discount for buying a policy and signing up on their website.
• Multiple Cars – Insuring primary and secondary vehicles on the same car insurance policy can get a discount for every vehicle.
• Passenger Safety Discount – Factory options such as air bags or motorized seat belts may get savings up to 30%.
• Discounts for New Vehicles – Buying insurance on a new vehicle can be considerably cheaper due to better safety requirements for newer models.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.

The example below shows the difference between Chevy Impala insurance rates with and without discounts. The premiums are based on a female driver, a clean driving record, no claims, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, marriage, safe-driver, and multi-car discounts applied.

Companies and their possible discounts can be read below.

• State Farm offers discounts for Steer Clear safe driver discount, Drive Safe & Save, defensive driving training, driver’s education, and multiple autos.
• American Family may offer discounts for multi-vehicle, good student, Steer into Savings, bundled insurance, and air bags.
• AAA has discounts for education and occupation, multi-policy, anti-theft, pay-in-full, and AAA membership discount.
• GEICO policyholders can earn discounts including federal employee, good student, daytime running lights, driver training, multi-policy, and membership and employees.
• Mercury Insurance includes discounts for multi-policy, anti-theft, ease of repair, annual mileage, and good driver.
• Farmers Insurance has savings for teen driver, alternative fuel, business and professional, bundle discounts, and mature driver.
• Progressive discounts include multi-policy, online signing, good student, multi-vehicle, online quote discount, homeowner, and continuous coverage.

If you are trying to find affordable Boston auto insurance quotes, ask each company to apply every possible discount. A few discounts might not be available to policyholders everywhere. To see companies with discount car insurance rates in Boston, click this link.

Don’t I need to have guidance from an insurance agency?

Many drivers would rather go talk to an agent and that is not a bad decision A good thing about comparing rate quotes online is that you can obtain cheap car insurance rates and also buy local. And providing support for neighborhood agents is still important in Boston.

To find an agent, once you fill out this short form, your insurance coverage information is emailed to local insurance agents in Boston who will give competitive quotes to get your business. There is no need to find an agent due to the fact that quote results will go to your email. It’s the lowest rates AND an agent nearby. If you wish to get a price quote from a specific car insurance provider, feel free to jump over to their website and submit a quote form there.

Two different types of auto insurance agents

If you want to buy car insurance from a local Boston insurance agent, you must know there are a couple different types of agents and how they differ in how they can insure your vehicles. Car insurance agents can be described as either exclusive or independent agents depending on their company appointments.

Independent Agents (or Brokers)

Independent insurance agents are not employed by one company so they can write business with many different companies and possibly get better coverage at lower prices. If they quote lower rates, the business is moved internally and the insured can keep the same agent.

When shopping rates, you will definitely want to include rate quotes from a couple of independent agencies for maximum quote selection.

Featured below are Boston independent insurance agents that can give you rate quotes.

More Boston agents

Exclusive Insurance Agents

Agents of this type can only place business with one company such as State Farm or Allstate. Exclusive agents cannot provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agents receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates.

Below are exclusive insurance agencies in Boston willing to provide price quotes.

More Boston agents

Finding the right insurance agent requires you to look at more than just the quoted price. These are some valid questions you should ask.

• Does the agency have a good rating with the Better Business Bureau?
• Will they make sure you get an adequate claim settlement?
• How many years have they been established?
• Does the agency provide any after hours assistance?
• Will one accident increase rates?
• Are you getting all the discounts the company offers?
• Does the agency have a current Errors and Omissions policy?
• Who is covered by the car insurance policy?

Final considerations

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where someone dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

We’ve covered many ways to get a better price on Chevy Impala insurance in Boston. The key concept to understand is the more price quotes you have, the higher your chance of finding inexpensive Boston auto insurance quotes. You may even be surprised to find that the best price on car insurance is with a lesser-known regional company. These smaller insurers can often provide lower auto insurance rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

Lower-priced car insurance in Boston can be sourced on the web and with local Boston insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not offer the ability to get a quote online and most of the time these small insurance companies only sell through local independent agencies.

How to find affordable Chevy Impala insurance in Boston

If you want to save the most money, the best way to get affordable Chevy Impala insurance is to start doing a yearly price comparison from insurers in Boston. You can compare rates by following these guidelines.

• Step 1: Read about how your policy works and the things you can control to keep rates low. Many risk factors that drive up the price such as your driving record and a substandard credit history can be rectified by making minor driving habit or lifestyle changes.
• Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agents can give you price quotes from multiple insurance companies.
• Step 3: Compare the quotes to the price on your current policy to determine if switching companies saves money. If you can save some money and make a switch, make sure coverage does not lapse between policies.
• Step 4: Notify your company or agent to cancel your current coverage. Submit the application along with any required down payment to your new agent or company. Don’t forget to place the new certificate of insurance in a readily accessible location in your vehicle.

A good tip to remember is to make sure you’re comparing identical limits and deductibles on each quote and and to compare as many companies as you can. This provides a fair price comparison and and a good selection of different prices.

More resources

• Insuring a Leased Car (Insurance Information Institute)
• What Insurance is Cheapest for 17 Year Olds in Boston? (FAQ)
• What Car Insurance is Cheapest for a Honda Civic in Boston? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Immigrants in Boston? (FAQ)
• How to Avoid Staged Accidents (State Farm)
• Credit and Insurance Scores (Insurance Information Institute)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)