Affordable Rate Quotes for Chevy Impala Insurance in Jersey City

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Insurance quote for Chevy Impala in Jersey CityReally, the only way to get cheaper auto insurance rates in Jersey City is to regularly compare price quotes from different companies that sell auto insurance in New Jersey. Prices can be compared by following these steps.

  • First, read about the different coverages in a policy and the changes you can make to prevent expensive coverage. Many risk factors that drive up the price like careless driving and a substandard credit history can be controlled by making small lifestyle or driving habit changes.
  • Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple companies.
  • Third, compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

The key thing to know about shopping around is to make sure you're comparing identical coverage information on every quote request and and to look at as many companies as possible. This guarantees a level playing field and many rates to choose from.

Remarkably, a study showed that most insurance policyholders renewed their policy with the same company for at least four years, and practically 40% of insurance customers have never compared insurance rates at all. Consumers in New Jersey could cut their rates by nearly 40% a year by just comparing quotes, but they feel it's too difficult to find cheap rates by getting comparison quotes.

The best way we recommend to get rate comparisons for Chevy Impala insurance in Jersey City is to know the trick auto insurance companies will pay a fee to give free rates quotes. To start a quote, the only thing you need to do is provide details such as whether your vehicle is owned or leased, if it has an anti-theft system, whether you are single or married, and your credit rating estimate. The data gets sent immediately to multiple different insurance companies and they return quotes very quickly.

To find lower cheaper Chevy Impala insurance rates now, click here and enter the information requested.

The car insurance companies shown below are ready to provide free rate quotes in Jersey City, NJ. If you want to find the best cheap car insurance in Jersey City, NJ, it's highly recommended you get prices from several of them to get the best price comparison.

Chevy Impala insurance statistics and information

The table shown next covers a range of insurance policy prices for Chevy Impala models. Learning a little about how auto insurance prices are calculated can be useful when making decisions when shopping around.

Chevrolet Impala Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $294 $576 $496 $30 $148 $1,544 $129
Impala LS $294 $576 $496 $30 $148 $1,544 $129
Impala LT $338 $576 $496 $30 $148 $1,588 $132
Impala LT $338 $576 $496 $30 $148 $1,588 $132
Impala LTZ $338 $678 $496 $30 $148 $1,690 $141
Impala LTZ $338 $678 $496 $30 $148 $1,690 $141
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can impact rates considerably.

Higher deductibles lower rates

When buying auto insurance, a common question is which deductibles should you choose. The comparison tables below illustrate the costs and benefits when you select higher and lower coverage deductibles. The first rate quote example uses a $250 deductible and the second rate table uses a $500 deductible.

Chevrolet Impala insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $324 $626 $480 $28 $144 $1,627 $136
Impala LS $324 $626 $480 $28 $144 $1,627 $136
Impala LT $372 $626 $480 $28 $144 $1,675 $140
Impala LT $372 $626 $480 $28 $144 $1,675 $140
Impala LTZ $372 $738 $480 $28 $144 $1,787 $149
Impala LTZ $372 $738 $480 $28 $144 $1,787 $149
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Chevrolet Impala insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $264 $504 $480 $28 $144 $1,420 $118
Impala LS $264 $504 $480 $28 $144 $1,420 $118
Impala LT $302 $504 $480 $28 $144 $1,458 $122
Impala LT $302 $504 $480 $28 $144 $1,458 $122
Impala LTZ $302 $594 $480 $28 $144 $1,548 $129
Impala LTZ $302 $594 $480 $28 $144 $1,548 $129
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can modify rates greatly.

Based on this data, using a $250 deductible costs roughly $19 more each month or $228 for a full year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at least 13 months between claim filings, you would probably come out ahead if you elect the higher deductible.

The information below shows how choosing a deductible and can raise or lower Chevy Impala insurance rates for each different age group. The prices are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Male drivers compared to female drivers in Jersey City

The example below visualizes the comparison of Chevy Impala car insurance rates for male and female drivers. The prices are based on no accidents, no driving violations, full coverage, $1,000 deductibles, single status, and no additional discounts are factored in.

Should you buy full coverage?

The example below compares Chevy Impala insurance prices with and without full coverage. The premiums assume no tickets, no at-fault accidents, $500 deductibles, single status, and no discounts are applied.

Guidelines for eliminating full coverage

There is no definitive rule for phasing out full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's say your Chevy Impala settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after you pay the deductible. If you are paying in excess of $400 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are a few situations where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage.

Car insurance does more than just repair your car

Despite the fact that car insurance is not cheap in Jersey City, insurance serves a purpose in several ways.

  • Almost all states have mandatory liability insurance requirements which means state laws require specific limits of liability if you drive a vehicle. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your Chevy Impala has a loan, almost every bank will have a requirement that you carry insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Chevy at a much higher rate and force you to pay a much higher amount than you were paying before.
  • Car insurance protects your vehicle and your assets. It will also cover many types of medical costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay attorney fees if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to repair the damage.

The benefits of insuring your Impala are without a doubt worth the cost, especially when you need to use it. On average, a vehicle owner in Jersey City is currently overpaying as much as $865 each year so it's recommended you shop around each time the policy renews to ensure rates are inline.

Jersey City insurance discounts for a Chevy Impala

Insurance is not inexpensive, but you might find some hidden discounts that can help lower your rates. A few discounts will be applied at the time of quoting, but once in a while a discount must be specially asked for before you get the savings.Discount insurance

  • Resident Student - Youth drivers living away from Jersey City attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Sign Online - Some of the larger companies provide a small discount get Jersey City auto insurance on your computer.
  • Anti-lock Brake System - Cars equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Military Discounts - Being deployed in the military may lower your prices slightly.
  • Discounts for Safe Drivers - Insureds without accidents may receive a discount up to 45% than drivers with accidents.
  • Senior Citizen Rates - Drivers over the age of 55 can get better insurance rates.
  • Telematics Devices - Drivers that enable driving data collection to analyze when and where they use their vehicle remotely such as Allstate's Drivewise and State Farm's In-Drive system might see lower rates if they show good driving skills.
  • Early Renewal Discounts - Select larger companies give a discount for switching policies early. It's a savings of about 10%.
  • Buy New and Save - Buying a new car instead of a used Impala can save up to 30% due to better safety requirements for new vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, it's just not the way it works.

The chart below shows the difference between Chevy Impala auto insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no accidents or driving violations, New Jersey state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, claim-free, marriage, and homeowner discounts applied.

To see a list of providers that offer some of these discounts in Jersey City, click this link.

When should I discuss my situation with an agent?

When it comes to choosing the best car insurance coverage, there really is no cookie cutter policy. Your needs are unique to you so your insurance needs to address that.Car insurance savings These are some specific questions could help you determine if your insurance needs might need professional guidance.

  • Should I get collision insurance on every vehicle?
  • Is business property covered if stolen from my car?
  • Is my dog or cat covered if injured in an accident?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my nanny covered when transporting my kids?
  • Are combined or split liability limits better?
  • Can I afford to buy a different vehicle if my Chevy Impala is totaled?
  • Does rental coverage apply when I am renting a car?

If you can't answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Can't I compare rate quotes from local Jersey City auto insurance agents?

Many people still prefer to get professional advice from a licensed agent and that can be a smart move Insurance agents can answer important questions and will help you if you have claims. The biggest benefit of comparing auto insurance online is you can get the best rates and still buy from a local agent.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is sent to local insurance agents in Jersey City that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies because prices are sent immediately to your email address. If for some reason you want to get a price quote from a particular provider, don't hesitate to find their quoting web page and fill out the quote form the provide.

Picking a provider shouldn't rely on just the quoted price. Any agent in Jersey City should have no problem answering these questions:

  • Can you use your own choice of collision repair facility?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Do they write coverage based solely on cost?
  • Are they primarily personal or commercial lines agents in Jersey City?
  • How much training do they have in personal risk management?

If you receive positive feedback to any questions you may have and locked in a price quote, chances are good that you have found an insurer that will service your policy. Just be aware that it's your policy and you can cancel your coverage when you choose so don't think that you're stuck with any specific company for the entire policy term.

Information about specific coverages

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you'll find the normal coverages found on most insurance policies.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/5 that means you have a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000.

Liability coverage protects against things like loss of income, repair costs for stationary objects and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford. New Jersey requires drivers to carry at least 15/30/5 but it's recommended drivers buy better liability coverage.

The illustration below shows why minimum state limits may not provide adequate coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Chevy Impala.

Due to the fact that many New Jersey drivers only carry the minimum required liability limits (15/30/5), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses for things like nursing services, ambulance fees, X-ray expenses, EMT expenses and chiropractic care. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, hail damage, theft, hitting a bird and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

Collision insurance will pay to fix damage to your Impala resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible on your Impala to get cheaper collision coverage.

Which auto insurance company is best in Jersey City?

Buying coverage from a highly-rated insurer can be challenging considering how many choices you have in Jersey City. The ranking information below can help you pick which insurers you want to consider purchasing coverage from.

Top Auto Insurance Companies in New Jersey
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

One last thing to lower rates

When trying to cut insurance costs, it's very important that you do not buy less coverage just to save a little money. There have been many cases where someone dropped comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the best possible price while still protecting your assets.

Affordable Chevy Impala insurance in Jersey City can be bought from both online companies as well as from insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not offer the ability to get quotes online and most of the time these smaller companies sell through independent agencies.

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