It’s astonishing, but the vast majority of car insurance customers renewed their policy with the same company for well over three years, and nearly 40% of drivers have never quoted car insurance rates at all. Many drivers in Florida can cut their rates by as much as 55% a year just by comparing rates, but they just don’t want to shop around.
The recommended way to find affordable Chevy Impala insurance is to regularly compare prices from companies in Miami. This can be done by completing these steps.
- First, take a little time to learn about how your policy works and the steps you can take to prevent high rates. Many rating criteria that drive up the price like traffic citations and a not-so-good credit rating can be rectified by improving your driving habits or financial responsibility. Later in this article we will cover the details to prevent rate hikes and get additional discounts that may be available.
- Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of companies. Begin your rate comparison
- Third, compare the quotes to your existing policy to determine if switching companies saves money. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
One thing to remember is to try to compare the same level of coverage on each quote and and to get rates from as many companies as feasibly possible. This helps ensure a fair rate comparison and and a good selection of different prices.
If you have a current car insurance policy, you will surely be able to get lower rates using this information. Finding the best-priced car insurance coverage in Miami is not as time-consuming as you think. Nevertheless, Florida vehicle owners do need to understand the way insurance companies determine what you pay and apply this information to your search.
Affordable companies for Chevy Impala insurance
The providers in the list below provide quotes in Florida. If multiple companies are listed, we recommend you visit two to three different companies to get the lowest price.
Insurance coverage details
The premium information displayed next showcases estimates of insurance coverage prices for Chevy Impala models. Knowing how insurance policy premiums are established is important for you to make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impala LS | $268 | $636 | $438 | $26 | $132 | $1,500 | $125 |
| Impala LS | $268 | $636 | $438 | $26 | $132 | $1,500 | $125 |
| Impala LT | $308 | $636 | $438 | $26 | $132 | $1,540 | $128 |
| Impala LT | $308 | $636 | $438 | $26 | $132 | $1,540 | $128 |
| Impala LTZ | $308 | $748 | $438 | $26 | $132 | $1,652 | $138 |
| Impala LTZ | $308 | $748 | $438 | $26 | $132 | $1,652 | $138 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in specific garaging location which can modify price quotes considerably.
Can higher deductibles save money?
When comparing insurance rates, the most common question is how high should the physical damage deductibles be. The rates shown below lay out the price difference when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impala LS | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Impala LS | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Impala LT | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Impala LT | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Impala LTZ | $358 | $764 | $418 | $24 | $124 | $1,713 | $143 |
| Impala LTZ | $358 | $764 | $418 | $24 | $124 | $1,713 | $143 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impala LS | $174 | $342 | $418 | $24 | $124 | $1,082 | $90 |
| Impala LS | $174 | $342 | $418 | $24 | $124 | $1,082 | $90 |
| Impala LT | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Impala LT | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Impala LTZ | $200 | $402 | $418 | $24 | $124 | $1,168 | $97 |
| Impala LTZ | $200 | $402 | $418 | $24 | $124 | $1,168 | $97 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in specific Miami garaging location which can alter premium rates noticeably.
Based on the figures above, using a $100 deductible costs an average of $42 more each month or $504 each year averaged for all Impala models than quoting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 21 months between claim filings, you would most likely save money if you choose the higher deductible. Here is an example of how you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $135 |
| Average monthly premium for $1,000 deductibles (subtract): | – $93 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
Auto insurance discounts are available to cut your rates
Auto insurance is not an enjoyable expense, but you might be missing out on some discounts to help offset the cost. Most are applied at the time of purchase, but a few need to be inquired about prior to receiving the credit. If you do not check that you are getting every discount you deserve, you could be getting lower rates.
- Discounts for Federal Employees – Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
- Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
- Defensive Driver – Passing a defensive driving course could earn you a small percentage discount if your company offers it.
- Low Miles Discount – Maintaining low annual mileage may allow you to get substantially lower rates.
- Early Switch Discount – Some companies give discounts for switching to them prior to your current Impala insurance policy expiration. It’s a savings of about 10%.
- Military Discounts – Having a deployed family member may lower your rates slightly.
- Telematics Discount – Miami drivers who agree to allow their insurance company to study vehicle usage by using a telematics device like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
A quick disclaimer, most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride.
The diagram below shows the comparison of Chevy Impala premium costs with and without discounts applied to the premium. The prices are based on a male driver, no claims, a clean driving record, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, marriage, multi-policy, and claim-free discounts applied.
To see a list of insurance companies offering auto insurance discounts in Florida, click here to view.
When should I talk to an agent?
Some consumers just prefer to sit down with an agent and that can be a great decision The biggest benefit of comparing insurance online is you may find lower rates but also keep your business local. And supporting local agencies is definitely important in Miami.
Upon completion of this simple form, your information is submitted to participating agents in Miami who will return price quotes and help you find cheaper coverage. You won’t even need to find an agent because prices are sent immediately to your email address. You can find better rates and a licensed agent to talk to. If you want to compare prices from a particular provider, don’t hesitate to search and find their rate quote page to submit a rate quote request.
If you are wanting to find a reputable agency, it’s helpful to know the different agency structures and how they work. Insurance agencies in Miami are either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents
Independent agencies do not have single company limitations and that is an advantage because they can write policies with any number of different companies and find you the best rates. If they find a cheaper price, the business is moved internally which requires no work on your part.
When searching for an agent, it’s a good idea to get rate quotes from a few independent agents for the best price selection. Most have the option of insuring with companies you’ve never heard of that can offer cheaper rates than bigger companies.
Shown below is a short list of independent insurance agencies in Miami that may be able to provide pricing information.
- SOL Insurance Agency
1370 W Flagler St – Miami, FL 33135 – (305) 643-2333 – View Map - Unbeatable Homeowners Insurance Agency
90 SW 3rd St – Miami, FL 33130 – (239) 689-1025 – View Map - Sunshine Insurance Agency Inc
2595 SW 87th Ave – Miami, FL 33165 – (305) 559-7873 – View Map
Exclusive Agents
Exclusive agencies can only write with one company like State Farm, Allstate, or Farmers Insurance. They generally cannot compare rates from other companies so you might not find the best rates. Exclusive insurance agents receive a lot of sales training on their company’s products which aids in selling service over price. Consumers sometimes buy insurance from these agents mainly due to the brand name rather than low price.
Shown below is a short list of exclusive agencies in Miami that can give you rate quotes.
- Allstate Insurance: Ramon Balladares
2455 SW 27th Ave #210 – Miami, FL 33145 – (305) 859-8556 – View Map - GEICO Insurance Agent
8514 SW 8th St – Miami, FL 33144 – (305) 595-2911 – View Map - Clark Alvarado – State Farm Insurance Agent
5209 NW 36th St – Miami Springs, FL 33166 – (305) 887-9543 – View Map
Deciding on an auto insurance agent shouldn’t rely on just a cheap price quote. A good agent in Miami will have answers to these questions.
- Do they specialize in personal lines auto insurance in Miami?
- What insurance companies do they work with in Miami?
- Are all drivers listed on the coverage quote?
- What will you get paid if your car is a total loss? How is that amount determined?
- Will a damage claim use OEM or aftermarket replacement parts?
- Did they already check your driving record and credit reports?
If you get reasonable responses to any questions you have as well as a price you’re happy with, you may have found an auto insurance agent that meets the requirements to properly insure your vehicles. Keep in mind consumers can cancel a policy when you choose so never feel you are locked into the insurance policy for the full term.
Don’t give up on cheaper rates
When searching for low cost Miami auto insurance quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability coverage limits only to find out that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.
We just presented a lot of tips how to reduce Chevy Impala insurance auto insurance rates online in Miami. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the most savings is with the least-expected company.
Budget-conscious Chevy Impala insurance can be sourced both online and from local insurance agents, so you need to shop Miami auto insurance with both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and these smaller providers prefer to sell through local independent agencies.
Additional articles
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- How Much are Miami Auto Insurance Rates for Immigrants? (FAQ)
- Who Has Affordable Miami Car Insurance Quotes for Infrequent Drivers? (FAQ)
- Who Has Affordable Car Insurance for a Toyota Camry in Miami? (FAQ)
- How Much are Car Insurance Rates for a Subaru Outback in Miami? (FAQ)
- Who Has Cheap Auto Insurance Rates for a 20 Year Old Male in Miami? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Vehicle Safety Ratings (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)
- Auto Insurance Facts and Statistics (Insurance Information Institute)