Chevy Impala Insurance in Nevada – 7 Discounts to Better Rates
Nobody I know enjoys paying for car insurance, especially when they are paying too much. Because there are so many choices of insurance companies, it’s nearly impossible to choose the most affordable insurer.
Smart consumers take time to shop coverage around before your policy renews because insurance rates are rarely the same from one policy term to another. Just because you found the lowest rates on Impala coverage six months ago you can probably find a better price now. So forget all the misinformation about car insurance because you’re going to get a crash course in one of the quickest ways to reduce your cost while increasing coverage.
How much can you save with these seven discounts?
Companies offering auto insurance don’t necessarily list all available discounts very clearly, so we took the time to find some of the more common and the more hidden savings tricks you should be using. If you’re not getting every credit possible, you are throwing money away.
- Military Discounts – Being on active duty in the military can result in better rates.
- Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
- Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
- Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less on Impala coverage than their less cautious counterparts.
- Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
- E-sign – A few companies may give you up to $50 just for signing your application on their website.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous.
To see a list of companies offering car insurance discounts in Nevada, click here to view.
Finding Car Insurance in Nevada
Performing a rate comparison can take time and effort if you don’t understand the fastest way to get free quotes. You could spend your day talking to insurance companies in your area, or you could use online quotes to get rate comparisons in just a few minutes.
All the larger companies enroll in a system where prospective buyers only type in their quote data once, and each participating company then gives them pricing. This saves time by eliminating form submissions for every car insurance company.
To compare rates using this form now click here (opens in new window).
The single downside to doing it this way is you cannot specify the insurers you want pricing from. So if you want to choose specific insurance companies to request quotes from, we have a listing of companies who write car insurance in Nevada. Click here for list of insurance companies in Nevada.
Whichever way you use, double check that you are using the exact same coverage limits with each company. If you use different limits and deductibles on each one you can’t possibly make an equal comparison.
When might I need the advice of an agent?
When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions could help you determine if your insurance needs could use an agent’s help.
- Do I need roadside assistance coverage?
- What are Nevada no-fault laws?
- When would I need rental car insurance?
- Is my custom paint covered by insurance?
- Is my vehicle covered by my employer’s policy when using it for work?
- Is my nanny covered when driving my vehicle?
- Why does it cost so much to insure a teen driver in Nevada?
- Who is covered when they drive my Chevy Impala?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.
Neighborhood insurance agents
A small number of people would rather talk to a local agent and that is OK! Licensed agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of getting online price quotes is the fact that you can find lower rates and still have an agent to talk to.
To find an agent, once you fill out this quick form, your insurance data is transmitted to participating agents who will compete for your business. You don’t have to drive around as quotes are delivered directly to your email.
Choosing an insurance company needs to be determined by more than just the price. These are valid questions to ask:
- Are there any discounts that you might be missing?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How are they compensated?
- Do they feel the quoted coverages are adequate?
Two different types of insurance agencies
If you’re trying to find a good insurance agency, there are two different types of agents that differ in how they can insure your vehicles. Agencies in Nevada are classified as either captive or independent. While both can do a good job, but it’s good to learn the difference between them since it can impact your agent selection.
Captive Insurance Agents
This type of agents have only one company to place business with and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot shop your coverage around so it’s a take it or leave it situation. Captive agencies are well schooled on their products and sales techniques which can be an advantage.
Independent Insurance Agents
Independent insurance agents are not required to write business for one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When comparison shopping, you should always contact at a minimum one independent agency to have the most options to choose from.
For a complete listing of car insurance agents in Nevada, visit this page.
Upon receiving good answers to these questions and locked in a price quote, you may have just found a car insurance agent that is a good match to service your policy. But remember, policyholders can cancel a policy for any reason so don’t think you are locked into any particular company for any length of time.
Can switching companies really save?
Nevada drivers can’t ignore all the ads for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. All the ads say the same thing of big savings if you switch to them.
How can each company say the same thing?
All companies are able to cherry pick for the right customer they prefer to insure. A good example of a driver they prefer could possibly be between 30 and 50, a clean driving record, and drives less than 7,500 miles a year. Any driver who fits that profile will get very good rates and is almost guaranteed to save a lot of money.
Drivers who don’t meet the requirements must pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That’s the way companies can make the claims of big savings. This illustrates why you need to quote coverage with many companies. It’s just too difficult to predict which car insurance company will provide you with the cheapest rates.
Car insurance coverage options for a Chevy Impala
Understanding the coverages of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most car insurance policies.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Impala.
Since many Nevada drivers carry very low liability coverage limits (which is 15/30/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims like crashing into a ditch, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.
Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like damage from flooding, damage from getting keyed and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Liability – This will cover damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against things like legal defense fees, repair costs for stationary objects, bail bonds, structural damage and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying better liability coverage.
Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses like nursing services, hospital visits and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
One last thing about your coverage
Lower-priced Chevy Impala insurance can be sourced online as well as from independent agents in Nevada, and you should compare price quotes from both to have the best selection. Some car insurance companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.
In this article, we presented many ideas to reduce Chevy Impala insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from the least-expected company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate, GEICO and Progressive.
For more Nevada car insurance information
More tips and info about car insurance is located at the Nevada Division of Insurance website. Consumers can report car insurance fraud, read consumer alerts, and discover disciplinary actions.
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