It’s hard to fathom, but almost 70% of insureds have stayed with the same insurance company for well over three years, and 38% of customers have never compared rates from other carriers. The average driver in Virginia could save an average of 45% each year just by comparing rates, but they just don’t understand how easy it is to compare rates.
To save the most money, the best way to get more affordable Chevy Impala insurance in Virginia Beach is to compare quotes once a year from different companies in Virginia.
- Gain an understanding of how insurance companies determine prices and the measures you can take to keep rates low. Many risk factors that result in higher prices like at-fault accidents and a not-so-good credit score can be improved by improving your driving habits or financial responsibility. This article provides the details to get low prices and get bigger discounts.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or State Farm, while independent agencies can provide rate quotes for a wide range of companies.
- Compare the price quotes to your current policy and determine if cheaper Impala coverage is available. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide proper notification to your current company of your intention to cancel your current auto insurance policy and submit a completed application and payment to your new insurance company. Be sure to keep the new certificate verifying coverage along with your vehicle registration.
The critical component of shopping around is to make sure you’re comparing the same coverage limits and deductibles on every price quote and and to get prices from all possible companies. Doing this provides an apples-to-apples comparison and a good representation of prices.
Get discounts to get affordable Virginia Beach auto insurance quotes
Companies offering auto insurance don’t always list every policy discount very well, so the below list has some of the best known and the more hidden credits available to you. If they aren’t giving you every credit you qualify for, you could be getting lower rates.
- Distant Student – Children who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
- Early Renewal Discounts – Some companies reward drivers for renewing your policy prior to your current Impala insurance policy expiring. It could save around 10% when you buy Virginia Beach auto insurance online.
- Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
- Accident Forgiveness Coverage – Not a discount per se, but a few companies such as Allstate and GEICO permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to being involved in the accident.
- Theft Deterrent Discount – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
One last thing about discounts, most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates you can get free auto insurance, company stockholders wouldn’t be very happy.
The example below illustrates the comparison of Chevy Impala insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no claims or driving violations, Virginia state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, multi-car, safe-driver, and homeowner discounts applied.
Insurance companies who might offer these discounts possibly include:
Before purchasing a policy, check with every company which discounts can lower your rates. Some discounts may not apply to policies in Virginia Beach.
The quickest method to compare car insurance rates for Chevy Impala insurance in Virginia Beach is to realize most of the bigger providers allow for online access to give rate comparisons. The only thing you need to do is provide details including how much you drive, types of safety features, how your vehicles are used, and driver ages. That rating information is then sent to all major companies and they return quotes instantly to find the best rate.
To start a quote now, click here and see if a lower rate is available in Virginia Beach.
The car insurance companies shown below have been selected to offer price comparisons in Virginia Beach, VA. If your goal is to find the cheapest auto insurance in Virginia, we recommend you visit two to three different companies in order to find the most competitive rates.
Rates and information analytics
The data table shown below showcases a range of coverage prices for Chevy Impala models. Learning how policy premiums are formulated can be of help when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impala LS | $160 | $270 | $338 | $20 | $100 | $888 | $74 |
| Impala LS | $160 | $270 | $338 | $20 | $100 | $888 | $74 |
| Impala LT | $184 | $270 | $338 | $20 | $100 | $912 | $76 |
| Impala LT | $184 | $270 | $338 | $20 | $100 | $912 | $76 |
| Impala LTZ | $184 | $318 | $338 | $20 | $100 | $960 | $80 |
| Impala LTZ | $184 | $318 | $338 | $20 | $100 | $960 | $80 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Prices do not factor in Virginia Beach location which can revise prices greatly.
Should you raise deductibles?
One of the most common insurance questions is how high should the physical damage deductibles be. The following insurance rates sum up how much more you’ll pay between high and low comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impala LS | $174 | $336 | $258 | $16 | $78 | $887 | $74 |
| Impala LS | $174 | $336 | $258 | $16 | $78 | $887 | $74 |
| Impala LT | $198 | $336 | $258 | $16 | $78 | $911 | $76 |
| Impala LT | $198 | $336 | $258 | $16 | $78 | $911 | $76 |
| Impala LTZ | $198 | $394 | $258 | $16 | $78 | $969 | $81 |
| Impala LTZ | $198 | $394 | $258 | $16 | $78 | $969 | $81 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Impala LS | $140 | $270 | $258 | $16 | $78 | $762 | $64 |
| Impala LS | $140 | $270 | $258 | $16 | $78 | $762 | $64 |
| Impala LT | $162 | $270 | $258 | $16 | $78 | $784 | $65 |
| Impala LT | $162 | $270 | $258 | $16 | $78 | $784 | $65 |
| Impala LTZ | $162 | $318 | $258 | $16 | $78 | $832 | $69 |
| Impala LTZ | $162 | $318 | $258 | $16 | $78 | $832 | $69 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in zip code location which can alter rates significantly.
Using the data above, we can ascertain that using a $250 deductible costs about $11 more each month or $132 for a full year than opting for the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 23 months between claims, you would save more money if you opt for a higher deductible. Below is the way you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $77 |
| Average monthly premium for $500 deductibles (subtract): | – $66 |
| Monthly savings from raising deductible: | $11 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $11 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
Insurance rate increases from tickets or accidents
The example below demonstrates how speeding tickets and at-fault fender-benders impact Chevy Impala auto insurance costs for each age group. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
Can’t I get rate quotes from local Virginia Beach insurance agents?
Many people just prefer to visit with an insurance agent and that can be a smart move The biggest benefit of getting free rate quotes online is the fact that drivers can get cheap auto insurance quotes but also keep your business local.
For easy comparison, once you complete this simple form, your information is instantly submitted to companies in Virginia Beach that can provide free Virginia Beach auto insurance quotes for your business. There is no reason to contact an agency since price quotes are sent directly to your email. Get lower rates and a licensed agent to talk to. If you wish to get a price quote from a specific auto insurance provider, you just need to visit that company’s website and submit a quote form there.
Choosing the best company is decision based upon more than just a cheap price quote. These questions are important to ask:
- Do they see any coverage gaps in your plan?
- Has the agent ever had any license suspensions?
- Do the agents have professional certifications like CPCU or CIC?
- Does the agency support the community they serve?
- Is there a Errors and Omissions policy in force?
Pick the best auto insurance agent in Virginia Beach for you
If you want to use a local Virginia Beach insurance agency, you should know the types of agencies and how they are slightly different. Virginia Beach agents can either be exclusive or independent.
Exclusive Insurance Agents
Agents that choose to be exclusive can usually just insure with one company and some examples include American Family, State Farm, and Allstate. They usually cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are highly trained on their company’s products and that allows them to sell at a higher price point. Some insured continue to buy insurance from these agents mainly due to high brand loyalty and strong financial ratings.
The following are Virginia Beach exclusive insurance agents that can give you price quotes.
- Paula Rosati – State Farm Insurance Agent
4221 Pleasant Valley Rd #108 – Virginia Beach, VA 23464 – (757) 467-4300 – View Map - Tim Johnson – State Farm Insurance Agent
700 Independence Blvd – Virginia Beach, VA 23455 – (757) 499-0550 – View Map - Michael Weeks – State Farm Insurance Agent
Shopping Ctr Ste 103, 979 Chimney Hill Pkwy – Virginia Beach, VA 23452 – (757) 463-2400 – View Map
Independent Auto Insurance Agents
Agents of this type can quote rates with many companies so as a result can place your coverage through lots of different companies and find the cheapest auto insurance rates. If they find a lower price, your policy is moved internally which requires no work on your part. If you are comparing rate quotes, we recommend you compare quotes from several independent insurance agents in order to have the best price comparison. Many independent agencies also insure through smaller companies which may have better rates.
The following are Virginia Beach independent agencies willing to provide price quote information.
- The Coelho insurance agency
800 Seahawk Cir #142 – Virginia Beach, VA 23452 – (757) 437-9647 – View Map - Choice Insurance Agency
4664 South Blvd – Virginia Beach, VA 23452 – (757) 416-5100 – View Map - WBR Insurance
3213 Virginia Beach Blvd – Virginia Beach, VA 23452 – (757) 340-0028 – View Map
Don’t give up on cheap rates
Discount Chevy Impala insurance in Virginia Beach is available online and from local agencies, and you should be comparing both to have the best selection. Some car insurance companies may not offer online rate quotes and usually these regional insurance providers sell through independent insurance agents.
As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability limits or collision coverage only to find out that they should have had better coverage. The goal is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.
Drivers change insurance companies for any number of reasons including delays in paying claims, being labeled a high risk driver, policy non-renewal or high prices. It doesn’t matter what your reason, finding a great new company is less work than it seems.
Other resources
- Older Driver Statistics (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for Good Students in Virginia Beach? (FAQ)
- Who Has the Cheapest Virginia Beach Car Insurance Rates for Immigrants? (FAQ)
- How Much is Car Insurance for a Ford Fusion in Virginia Beach? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Understanding your Policy (NAIC.org)
- Credit Impacts Car Insurance Rates (State Farm)