Would you like to stop wasting money and find lower-priced Chevy Impala insurance in Fort Wayne? If online insurance comparisons are new to you, most likely you are bewildered by the crazy number of online insurance companies and websites all offering big savings in Fort Wayne.

Discount Chevy Impala insuranceA study showed that almost 70% of drivers have been with the same company for well over three years, and 38% of drivers have never compared rates to find cheap insurance. With the average insurance premium being $1,389, Indiana drivers could save almost 55% a year, but they just don't understand the big savings they would realize if they bought a different policy.

Finding the cheapest coverage in Fort Wayne can be easy if you know a few tricks. If you currently have car insurance, you will most likely be able to find the best rates using the ideas presented in this article. Although Indiana consumers do need to know how insurance companies set your policy premium and use it to find better rates.

When comparison shopping, comparing more prices will improve the odds of getting more affordable rates.

The auto insurance companies shown below are our best choices to provide free rate quotes in Indiana. If more than one company is shown, we recommend you click on several of them to get a more complete price comparison.

Chevrolet Impala Insurance Cost Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $240 $436 $368 $22 $110 $1,176 $98
Impala LS $210 $436 $280 $16 $84 $1,026 $86
Impala LT $122 $212 $290 $18 $86 $728 $61
Impala LT $208 $414 $364 $22 $110 $1,118 $93
Impala LTZ $116 $266 $318 $18 $94 $812 $68
Impala LTZ $116 $266 $294 $18 $88 $782 $65
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific zip code location which can influence auto insurance rates greatly.

Physical damage deductibles: Should you raise them?

When buying car insurance, a common question is what deductibles to buy. The tables below outline the price difference of buying low and high coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Chevrolet Impala insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $188 $366 $280 $16 $84 $959 $80
Impala LS $188 $366 $280 $16 $84 $959 $80
Impala LT $216 $366 $280 $16 $84 $987 $82
Impala LT $216 $366 $280 $16 $84 $987 $82
Impala LTZ $216 $430 $280 $16 $84 $1,051 $88
Impala LTZ $216 $430 $280 $16 $84 $1,051 $88
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Chevrolet Impala insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $116 $230 $280 $16 $84 $726 $61
Impala LS $116 $230 $280 $16 $84 $726 $61
Impala LT $134 $230 $280 $16 $84 $744 $62
Impala LT $134 $230 $280 $16 $84 $744 $62
Impala LTZ $134 $270 $280 $16 $84 $784 $65
Impala LTZ $134 $270 $280 $16 $84 $784 $65
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in your specific Fort Wayne location which can modify auto insurance rates considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $20 more each month or $240 annually than opting for the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 38 months between claims, you would more than likely save some money if you choose the higher deductible. Here's the way this calculation is made.

Average monthly premium for $250 deductibles: $83
Average monthly premium for $1,000 deductibles (subtract): - $63
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One thing to be aware of is that a higher deductible results in a higher out-of-pocket expense when you do file a claim. That will require a higher level of savings in the event you need to pay the deductible.

Price comparison of only insuring for liability

The example below shows the difference between Chevrolet Impala insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no violations or accidents, $500 deductibles, married female driver, and no additional discounts are factored in.

When to eliminate full coverage

There isn't a steadfast formula that works best for making the decision to drop comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Chevrolet Impala book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If you are paying more than $800 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some scenarios where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should maintain full coverage.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. You are unique.Drive safe and save

Here are some questions about coverages that may help you determine whether or not you may require specific advice.

If you're not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don't have a local agent, simply complete this short form.

Local Fort Wayne insurance agents and auto insurance

Many people prefer to get advice from a local agent and doing that can be a smart decision A good thing about price shopping on the web is you may find better rates and still have an agent to talk to.

Insurance agency in Fort WayneFor easy comparison, once you complete this quick form, the coverage information is transmitted to agents in your area that provide free Fort Wayne auto insurance quotes for your business. You won't even need to contact any agents since price quotes are sent to your email. It's the lowest rates without the usual hassles of price shopping. If you wish to get a comparison quote from a particular provider, don't hesitate to go to their quote page and submit a quote form there.

Choosing the best insurer needs to be determined by more than just the bottom line cost. Any agent in Fort Wayne should have no problem answering these questions:

The type of car insurance agent you choose is important

If you want to buy auto insurance from a good Fort Wayne insurance agent, there are two different types of agents and how they operate. Fort Wayne agents are classified as either independent (non-exclusive) or exclusive.

Exclusive Auto Insurance Agents

Agents of this type are contracted to one company such as State Farm, Allstate, and Farm Bureau. They generally cannot place coverage with different providers so they have to upsell other benefits. These agents are very knowledgeable on their company's products which aids in selling service over price. Consumers frequently choose to use a exclusive agent primarily because of the brand name instead of buying on price only.

Listed below is a list of exclusive insurance agents in Fort Wayne that are able to give price quotes.

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Independent Agents

Independent agencies are not limited to a single company so they can write business with any number of different companies and find you the best rates. If they quote lower rates, your agent can just switch to a different company and you can keep the same agent. If you are trying to find cheaper rates, you should always include price quotes from multiple independent agents for maximum quote selection. Many write coverage with small mutual carriers which can be an advantage.

Shown below are independent insurance agents in Fort Wayne that can give you comparison quotes.

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