Cheapest Insurance for a Chevy Impala in Charlotte

The preferred way to get discount Chevy Impala insurance is to compare prices at least once a year from insurance carriers in Charlotte.

  1. Gain an understanding of how insurance works and the things you can change to prevent expensive coverage. Many policy risk factors that result in higher rates like speeding and an unacceptable credit history can be eliminated by being financially responsible and driving safely.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while independent agents can quote rates from multiple companies.
  3. Compare the new rate quotes to your existing coverage to determine if you can save on Impala insurance in Charlotte. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
  4. Provide notification to your current company to cancel the current policy. Submit payment and a signed application for the new policy. Once the application is submitted, keep the new proof of insurance paperwork in your vehicle’s glove compartment or console.

One bit of advice is to use the same amount of coverage on every quote request and and to get quotes from all possible companies. This provides a fair rate comparison and a thorough price selection.

Insurance for Chevy ImpalaSadly, a large majority of drivers have remained with the same auto insurance company for a minimum of four years, and 38% of customers have never taken the time to shop around. Drivers in America can save almost $850 each year by just shopping around, but they just feel it’s too hard to find lower-cost rates by getting comparison quotes.

Just remember that getting more free quotes increases your odds of finding lower pricing.

The companies in the list below are ready to provide free quotes in North Carolina. If your goal is to find cheap auto insurance in Charlotte, we suggest you visit as many as you can in order to find the lowest rates.

Auto insurance data for a Chevy Impala

The premium information below showcases different policy rates for Chevy Impala models. Knowing how premiums are established is important for making informed purchases.


Chevrolet Impala Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $144 $318 $262 $16 $78 $818 $68
Impala LS $144 $318 $262 $16 $78 $818 $68
Impala LT $166 $318 $262 $16 $78 $840 $70
Impala LT $166 $318 $262 $16 $78 $840 $70
Impala LTZ $166 $374 $262 $16 $78 $896 $75
Impala LTZ $166 $374 $262 $16 $78 $896 $75
Get Your Own Custom Quote Go

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in your specific Charlotte location which can increase or decrease price quotes noticeably.

Chevrolet Impala insurance rates: Men versus women

The illustration below compares Chevy Impala insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no other discounts are factored in.

Should you buy full coverage?

The example below shows the difference between Chevy Impala insurance rates with full physical damage coverage and with liability coverage only. The information is based on no violations or claims, $1,000 deductibles, single marital status, and no other discounts are factored in.

Should you be buying full coverage?

There is no definitive formula to eliminate comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Chevy Impala replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after you pay the deductible. If you are paying over $400 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are some conditions where removing full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Protect your Impala and other assets

Even though it’s not necessarily cheap to insure a Chevy in Charlotte, buying auto insurance is required in North Carolina but it also protects you in many ways.

The benefits of carrying enough insurance outweigh the cost, especially with large liability claims. But the average American driver is wasting up to $750 every year so shop around each time the policy renews to save money.

The Chevy Impala Insurance Price Equation

A large part of saving on auto insurance is knowing a few of the rating criteria that come into play when calculating your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower auto insurance prices.

The factors shown below are most of the major factors that factor into your premiums.

Will just any policy work for me?

When quoting and choosing coverage for your vehicles, there really isn’t a one size fits all plan. Your needs are not the same as everyone else’s.Insurance savings

For instance, these questions might point out whether you would benefit from professional advice.

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Be persistent and save

Affordable Chevy Impala insurance in Charlotte is possible both online as well as from insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not offer the ability to get quotes online and many times these small insurance companies only sell coverage through local independent agencies.

We just covered many tips how you can compare Chevy Impala insurance prices in Charlotte. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the most savings is with a lesser-known regional company.

When shopping online for auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where someone dropped comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best cost while still protecting your assets.

More detailed auto insurance information is available in the articles below: