San Antonio consumers have lots of choices when looking for the lowest priced Chevy Impala insurance. They can either spend hours driving around getting price quotes or save time using the internet to find the lowest rates. There is a right way and a wrong way to shop for car insurance so you’re going to learn the absolute fastest way to compare rates for your Chevy and locate the lowest price.
It’s a good habit to take a look at other company’s rates before your next renewal because prices tend to go up over time. Just because you found the lowest rates on Impala coverage a few years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the quickest ways to get good coverage at a lower rate.
Find hidden discounts on San Antonio car insurance
Insurance can cost an arm and a leg, but you may qualify for discounts to help bring down the price. Many discounts should be triggered at the time of quoting, but a few must be asked about in order for you to get them. If you do not double check each discount you qualify for, you could be getting lower rates.
- Anti-theft System – Cars with anti-theft systems can help prevent theft and can earn a small discount on your policy.
- Bundled Policy Discount – If you can combine your auto and homeowners policy and place coverage with the same company you may earn at least 10% off all policies.
- Student in College – College-age children who live away from home at college and leave their car at home may be able to be covered for less.
- Telematics Discount – Insureds that choose to allow companies to analyze where and when they drive remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they are good drivers.
- Homeowners Savings – Just owning your own home may trigger a policy discount on car insurance due to the fact that maintaining a home shows financial diligence.
- Early Signing – A few car insurance companies offer discounts for switching to them early. This can save 10% or more.
Policy discounts save money, but some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
The best car insurance companies and some of their more popular discounts are outlined below.
- GEICO discounts include membership and employees, anti-theft, seat belt use, driver training, and defensive driver.
- SAFECO offers discounts for drive less, anti-theft, teen safety rewards, accident prevention training, teen safe driver, and anti-lock brakes.
- State Farm offers premium reductions for passive restraint, multiple policy, good student, accident-free, anti-theft, and good driver.
- MetLife may offer discounts for accident-free, claim-free, multi-policy, good driver, and good student.
- 21st Century offers discounts including theft prevention, good student, homeowners, 55 and older, student driver, and air bags.
- Progressive has savings for multi-vehicle, multi-policy, continuous coverage, online signing, online quote discount, good student, and homeowner.
If you need , ask every insurance company to give you their best rates. All car insurance discounts may not apply to policies in your state. To find insurers that offer many of these discounts in San Antonio, click here to view.
When do I need an agent’s advice?
When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Each situation is unique.
Here are some questions about coverages that can aid in determining if you could use an agent’s help.
- Do all my vehicles need collision coverage?
- What are the financial responsibility laws in Texas?
- Do I benefit by insuring my home with the same company?
- What can I do if my company denied a claim?
- Do I have any recourse if my insurance company denies a claim?
- What is the difference between comprehensive and collision coverage?
- Do I need PIP (personal injury protection) coverage in Texas?
- What if I total my Chevy Impala and owe more than it’s worth?
- Should I file a claim if it’s only slightly more than my deductible?
- When should I remove comp and collision on my Chevy Impala?
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.
Local neighborhood insurance agents
Many drivers would prefer to get professional advice from a licensed agent and often times that is recommended One of the benefits of comparing insurance prices online is the fact that drivers can get cheap rate quotes but also keep your business local.
After completing this short form, your information is instantly submitted to insurance agents in San Antonio who will give competitive quotes for your car insurance coverage. You won’t need to search for an agent as quotes are delivered immediately to you. You can get cheaper car insurance rates without a big time investment. If you need to get a comparison quote from a particular provider, feel free to search and find their rate quote page and submit a quote form there.
Picking the best insurance company needs to be determined by more than just the quoted price. Before buying a policy, get answers to these questions.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is coverage determined by price?
- Will you work with the agent or an assistant?
- Does the agency provide any after hours assistance?
- Do they get extra compensation for selling add-on coverages?
If you want to buy car insurance from a good insurance agency, you must know there are a couple different agency structures to choose from. Agents are classified as either independent or captive depending on the company they work for.
Captive Agents
Agents of this type write business for a single company and examples are Allstate and State Farm. They generally cannot provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Captive agencies are well schooled on their company’s products and that can be a competitive advantage. Drivers often purchase coverage from captives partially due to the prominence of the brand and strong financial ratings.
Independent Car Insurance Agencies
Independent agencies are not limited to a single company so they have the ability to put coverage through many companies and get the cheapest rates. If they quote lower rates, they simply switch companies in-house and you don’t have to switch agencies.
When comparing car insurance prices, we recommend you get rate quotes from at a minimum one independent agency to maximize your price options. Most also have access to companies you’ve never heard of that may have much lower rates than larger companies.
If you get satisfactory answers to any questions you have as well as an affordable premium quote, you’ve probably found a car insurance agent that meets the requirements to properly insure your vehicles.
Will you really save $428 on car insurance?
Popular car insurance providers such as State Farm and Allstate regularly use ads in print and on television. All the companies state the claim of big savings just by switching your coverage. How do they all offer you a better deal? This is how they do it.
Different companies quote the lowest rates for the type of driver that is profitable for them. For instance, a desirable risk could possibly be between 25 and 40, has a clean driving record, and has a high credit rating. A propective insured who fits those characteristics will probably get the lowest rates and will most likely save some money.
Consumers who don’t qualify for those standards will be quoted a higher rate with the end result being the prospect going elsewhere. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently make those statements. This really emphasizes why drivers should quotes from several different companies. It is impossible to guess which company will fit your personal profile best.
Some additional reading
More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Texas drivers can file complaints about an insurance agent or broker, view agent and company licensing information, and read state legal mandates and laws.
The following articles may also be useful.
A little work can save a LOT of money
When shopping online for car insurance, you should never buy poor coverage just to save money. There are too many instances where someone dropped liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at a price you can afford, but do not skimp to save money.
Lower-priced car insurance can be sourced both online as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer rate quotes online and these regional insurance providers provide coverage only through local independent agents.
Insureds who switch companies do it for a number of reasons such as delays in responding to claim requests, denial of a claim, delays in paying claims or policy non-renewal. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.