Would you like to save money by finding cheaper Chevy Impala insurance in Cincinnati? When shopping for more affordable insurance, are you baffled by the number of auto insurance providers in your area? Many other drivers are as well. People have such a vast assortment of providers available that it can quickly become a ton of work to compare rates on Chevy Impala insurance. If you live there, you know that Cincinnati is a great city to live in, but having to pay for pricey auto insurance can make it difficult for lots of drivers to buy proper levels of coverage.
Astonishing but true, most auto insurance buyers kept their coverage with the same auto insurance company for more than four years, and almost 40% of drivers have never taken the time to shop around. Cincinnati insurance shoppers can save $729 each year, but they won’t spend time to save money by comparing rate quotes.
The best way to compare insurance rates from multiple companies takes advantage of the fact most of the larger companies allow for online access to give free rates quotes. All consumers are required to do is provide information like if the car is leased, distance driven, how much education you have, and which vehicles you own. Your details is submitted instantly to multiple top-rated companies and they return cost estimate instantly.
To find the cheapest car insurance rates, click here and enter your coverage details.
The companies in the list below are our best choices to provide price quotes in Ohio. If you want cheap auto insurance in Cincinnati, OH, we suggest you get price quotes from several of them in order to find the most competitive rates.
Insurance data for a Chevy Impala
The rate information shown next outlines different policy rates for Chevy Impala models. Being more informed about how policy premiums are established is important for drivers to make decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in garaging location in Cincinnati which can increase or decrease premium rates significantly.
The diagram below illustrates how your deductible choice and can change Chevy Impala insurance premiums for each age group. The prices are based on a married male driver, full coverage, and no other discounts are factored in.
Should you buy full coverage?
The chart below compares Chevy Impala annual premium costs with and without physical damage coverage. The rate quotes are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no discounts are taken into consideration.
When to switch to liability coverage only
There is no definitive formula of when to drop full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Chevy Impala claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $3,000 after the policy deductible has been paid. If you are paying over $300 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are some cases where buying only liability insurance is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.
Do you qualify for discounts on Chevy Impala insurance in Cincinnati?
Insurance is not inexpensive, but there’s a good chance there are discounts that many people don’t even know exist. Most are applied at the time of quoting, but once in a while a discount must be specially asked for before being credited.
- Accident-Free Discounts – Insureds with no claims or accidents can save substantially in comparison to frequent claim filers.
- Professional Memberships – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your next insurance statement.
- Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents so companies give up to a 10% discount.
- Employee of Federal Government – Active or former government employment could provide a small rate reduction with certain companies.
- Safety Restraint Discount – Drivers who require all occupants to buckle up can save up to 15% on the medical payments or PIP coverage costs.
- Discount for Passive Restraints – Vehicles equipped with air bags could see savings of 20 to 30 percent.
Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, that’s just not realistic.
The example below compares Chevy Impala auto insurance costs with and without some available policy discounts. Data assumes a female driver, no claims, a clean driving record, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, safe-driver, marriage, and multi-car discounts applied.
Companies that may have most of these discounts include:
If you are trying to find the cheapest Chevrolet Impala rate quotes, ask all companies you are considering which discounts they offer. Some of the discounts discussed earlier might not apply in every state. To choose insurance companies that offer many of these discounts in Ohio, follow this link.
Protect your vehicle and other assets
Despite the high cost, insurance is mandatory in Ohio but it also protects more than you think.
First, just about all states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability protection in order to drive the car legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your Chevy Impala, almost all lenders will have a requirement that you have physical damage coverage to guarantee payment of the loan. If the policy lapses, the bank or lender will purchase a policy for your Chevy at a more expensive rate and force you to pay the higher premium.
Third, insurance protects both your vehicle and your personal assets. It will also reimburse you for most medical and hospital costs incurred in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying insurance definitely exceed the price paid, particularly if you ever have a claim. Today the average American driver is overpaying over $825 a year so it’s important to compare rates every year to help ensure money is not being wasted.
Insurance can get complicated
When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s and your insurance should unique, too.
These are some specific questions might point out if your situation could use an agent’s help.
- Is my Chevy Impala covered for smoke damage?
- What companies insure drivers after a DUI or DWI?
- What does UM/UIM cover?
- Should I pay a claim out-of-pocket?
- Can I afford to buy a different vehicle if my Chevy Impala is totaled?
- Am I covered if I break a side mirror?
- Do I need special endorsements for business use of my vehicle?
- Does coverage follow the driver or the vehicle?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.
Buying car insurance from Cincinnati auto insurance agents
Many drivers still like to have an agent’s advice. One of the best bonuses of comparing rates online is the fact that you can find lower rates and still buy from a local agent.
After completing this simple form, your information is emailed to insurance agents in Cincinnati that can give you free Cincinnati auto insurance quotes and help you find cheaper coverage. There is no reason to even leave your home due to the fact that quote results will go to you instantly. Get lower rates AND a local agent. If you wish to compare rates from a specific insurance company, you just need to visit that company’s website and submit a quote form there.
Picking the best company needs to be determined by more than just a cheap price quote. Ask your prospective agent these questions:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is assistance available after office hours?
- Do the coverages you’re quoting properly cover your vehicle?
- Is working in the agency their full-time job?
- Is there a local claims center in Cincinnati?
- Will they take your side in the event of a claim?
The type of auto insurance agent you choose is important
If you are searching for a local agent, you must know there are a couple different agency structures from which to choose. Agencies in Cincinnati are considered either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Agents in the exclusive channel generally can only insure with one company like American Family, State Farm, and AAA. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive agencies are usually well trained on their products and sales techniques and that can be a competitive advantage. Consumers sometimes purchase coverage from exclusives primarily because of loyalty to the company instead of buying on price only.
Listed below is a short list of exclusive agencies in Cincinnati that can give you price quote information.
- Ken Kunkel – State Farm Insurance Agent
6708 Cheviot Rd – Cincinnati, OH 45247 – (513) 385-6667 – View Map
- American Family Insurance – Barbara Hall
4010 N Bend Rd Ste 300 – Cincinnati, OH 45211 – (513) 347-9492 – View Map
- Allstate Insurance: Marianne Geiger
4204 Plainville Rd – Cincinnati, OH 45227 – (513) 808-4811 – View Map
Independent Car Insurance Agencies
Independent agents do not have single company limitations so they can insure your vehicles through lots of different companies enabling the ability to shop coverage around. If premiums increase, an independent agent can move your coverage and you can keep the same agent. If you need lower rates, you definitely need to compare quotes from at a minimum one independent agency so that you can do a thorough price comparison. Most independent agents also contract with different regional companies that can offer cheaper rates than bigger companies.
Below is a short list of independent agents in Cincinnati that can give you price quote information.
- Kinker-Eveleigh Insurance Agency
7750 Montgomery Rd – Cincinnati, OH 45236 – (513) 891-6615 – View Map
- Gibbs and Associates Insurance
7710 Shawnee Run Rd # G2 – Cincinnati, OH 45243 – (513) 561-5551 – View Map
- Ohio Insurance Center
7404 Hamilton Ave – Cincinnati, OH 45231 – (513) 522-6300 – View Map