Cheapest Chevy Impala Insurance in Aurora

Anyone knows that auto insurance companies don’t want you comparing rates. Drivers who shop around annually will most likely switch car insurance companies because there is a good probability of finding a lower-priced policy. A recent survey revealed that drivers who regularly shopped around saved over $850 each year as compared to drivers who never shopped around for lower prices.

If finding the most affordable Chevy Impala insurance is your target objective, then having a good understanding how to find and compare insurance coverage can make it easier to find better rates.

Insurance rates Chevy Impala in AuroraThe best way we recommend to find cheaper auto insurance rates in Aurora is to compare prices regularly from insurance carriers who can sell car insurance in Colorado. Rate comparisons can be done by following these steps.

Step 1: Read about auto insurance and the measures you can take to drop your rates. Many things that drive up the price like at-fault accidents, careless driving, and your credit history can be controlled by making minor changes to your lifestyle.

Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote prices for many different companies. Compare rates now

Step 3: Compare the new rate quotes to the price on your current policy and see if you can save money. If you can save some money and decide to switch, ensure coverage does not lapse between policies.

Step 4: Give notification to your current company of your decision to cancel the current policy. Submit a completed application and payment to the new insurer. Once received, keep your new certificate verifying proof of insurance in an accessible location in your vehicle.

The most important part of shopping around is that you’ll want to make sure you compare the same deductibles and limits on every price quote and and to get rate quotes from as many different companies as possible. This provides an accurate price comparison and plenty of rates choose from.

Comparison shopping for the best car insurance policy in Aurora is easy if you know what you’re doing. If you are already insured or just want a better rate, you will benefit by learning to get lower rates without reducing protection. Drivers just have to know the tricks to shop from many different companies online.

Finding low cost Aurora insurance rates is actually easier than you may think. You just have to spend a little time comparing free Aurora auto insurance quotes online from several insurance companies.

It’s so fast and easy to compare quotes online that it makes it a waste of time to spend time driving to all the different Aurora insurance agencies. Shopping for insurance online can eliminate the need for a local agent unless you have a complicated situation and need the professional advice of an agent trained in personal lines coverage. Although, it is possible comparison shop online but have your policy serviced through an agent.

The providers in the list below provide price quotes in Colorado. If you want to find cheap car insurance in CO, we suggest you visit two to three different companies to find the lowest auto insurance rates.

Coverage statistics and figures

The premium table shown below outlines different coverage costs for Chevy Impala models. Learning as much as possible about how auto insurance policy rates are determined is important for making decisions when shopping around.

Chevrolet Impala Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $226 $536 $368 $22 $110 $1,262 $105
Impala LS $226 $536 $368 $22 $110 $1,262 $105
Impala LT $260 $536 $368 $22 $110 $1,296 $108
Impala LT $260 $536 $368 $22 $110 $1,296 $108
Impala LTZ $260 $630 $368 $22 $110 $1,390 $116
Impala LTZ $260 $630 $368 $22 $110 $1,390 $116
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in your specific Aurora location which can affect coverage rates greatly.

Where to set your deductibles

The hardest decision when buying coverage is what deductibles to buy. The following insurance rates can help you visualize how much more you’ll pay when you select higher and lower physical damage coverage deductibles. The first table uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Chevrolet Impala insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $236 $458 $352 $20 $106 $1,197 $100
Impala LS $236 $458 $352 $20 $106 $1,197 $100
Impala LT $272 $458 $352 $20 $106 $1,233 $103
Impala LT $272 $458 $352 $20 $106 $1,233 $103
Impala LTZ $272 $538 $352 $20 $106 $1,313 $109
Impala LTZ $272 $538 $352 $20 $106 $1,313 $109
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Chevrolet Impala insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $146 $288 $352 $20 $106 $912 $76
Impala LS $146 $288 $352 $20 $106 $912 $76
Impala LT $168 $288 $352 $20 $106 $934 $78
Impala LT $168 $288 $352 $20 $106 $934 $78
Impala LTZ $168 $340 $352 $20 $106 $986 $82
Impala LTZ $168 $340 $352 $20 $106 $986 $82
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in garaging location in Aurora which can change prices substantially.

We can estimate from the data above that using a $250 deductible costs about $25 more each month or $300 each year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 30 months between claim filings, you would save money if you choose a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $104
Average monthly premium for $1,000 deductibles (subtract): – $79
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One important note is that a higher deductible means you will have to pay more of your own money when you have a physical damage claim. That will necessitate enough disposable savings in order to pay more to get your vehicle repaired.

Yearly car insurance costs for men versus women

The example below shows the comparison of Chevy Impala insurance premiums for male and female drivers. The premiums are based on no tickets, no at-fault accidents, comp and collision included, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Does it make sense to buy full coverage?

The chart below compares Chevy Impala insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Colorado. The data assumes no claims, a clean driving record, $250 deductibles, marital status is single, and no policy discounts are applied.

When to stop buying comprehensive and collision coverage

There is no definitive rule for phasing out full coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Chevy Impala replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after you pay the deductible. If you are currently paying more than $200 a year for physical damage coverage, then it could be time to drop full coverage.

There are a few situations where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Your auto insurance coverage should be tailored to you

When quoting and comparing coverage for your vehicles, there is no perfect coverage plan. Your financial needs are unique and your auto insurance should be unique as well.Auto insurance savings
For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Buying from car insurance agents

Many drivers just prefer to visit with an insurance agent and that is OK! Experienced insurance agents can make sure you are properly covered and help file insurance claims. The biggest benefit of comparing rates online is you may find better rates but still work with a licensed agent. And supporting local insurance agencies is still important in Aurora.

Aurora insurance agentsAfter completing this form (opens in new window), your insurance coverage information is transmitted to insurance agents in Aurora that give free quotes to get your business. You never need to find an agent as quotes are delivered immediately to you. If for some reason you want to compare prices from one company in particular, you would need to navigate to their website to submit a rate quote request.

When finding local Aurora agents, it’s important to understand the different types of agents and how they are slightly different. Insurance agencies in Aurora can either be exclusive or independent. Both can sell car insurance policies, but it’s important to point out how they are different since it could factor into which type of agent you select.

Independent Car Insurance Agents (or Brokers)

Agents that elect to be independent are appointed with more than one company and that gives them the ability to insure with lots of companies and find you the best rates. If your agent finds better pricing, they simply switch companies in-house which makes it simple for you.

If you need cheaper car insurance rates, you will definitely want to include price quotes from several independent insurance agents to have the best price comparison.

Shown below is a short list of independent insurance agents in Aurora who may provide price quote information.

3033 S Parker Rd #120Aurora, CO 80014(303) 752-6479View Map

9601 E Colfax AveAurora, CO 80010(303) 577-2400View Map

12142 E Mississippi AveAurora, CO 80012(303) 695-1000View Map

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Exclusive Agencies

Agents of this type can only provide one company’s prices and some examples include State Farm or Allstate. These agents are not able to provide rate quotes from other companies so keep that in mind. Exclusive agencies are very knowledgeable on their company’s products and that can be a competitive advantage.

Listed below is a list of exclusive agents in Aurora that are able to give rate quotes.

1399 S Havana St #201-GAurora, CO 80012(303) 364-6900View Map

15290 E 6th Ave #220Aurora, CO 80011(303) 364-8298View Map

14221 E 4th Ave #100Aurora, CO 80011(303) 366-7101View Map

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Picking the best insurance agent shouldn’t rely on just a cheap price quote. Some important questions to ask are:

Ratings for Aurora car insurance companies

Ending up with a high-quality car insurance company can be difficult considering how many companies are available to choose from in Colorado. The company ratings shown next may help you choose which insurers you want to consider putting your business with.

Top 10 Aurora Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. Nationwide – 90%
  5. State Farm – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. Allstate – 88%
  9. 21st Century – 88%
  10. The General – 88%