Have you had enough of sacrificing other expenses to pay high insurance rates every month? You're in the same situation as the majority of other consumers in Kansas.
A recent survey discovered that over 70% of consumers have remained with the same insurance company for four years or more, and roughly 40% of drivers have never compared rates to find cheap insurance. Drivers in Wichita could save about 55% a year just by shopping around, but they don't want to take the time to compare rate quotes online.
Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible on Chevy Impala insurance in Wichita.
If you have insurance now, you will most likely be able to get lower rates using this strategy. Locating the best rates in Wichita is actually quite simple. But Kansas vehicle owners need to have an understanding of how big insurance companies sell insurance online and take advantage of how the system works.
Cheap companies for Chevy Impala insurance
The car insurance companies shown below are ready to provide price quotes in Wichita, KS. If more than one company is shown, we suggest you get rate quotes from several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in garaging location in Wichita which can decrease or increase rates noticeably.
Should you raise deductibles?
The illustration below highlights how deductible choice and can affect Chevrolet Impala annual premium costs for different age groups. The premiums are based on a single male driver, full coverage, and no discounts are factored in.
Rate difference between full and liability-only coverage
The diagram below examines Chevrolet Impala car insurance costs with full coverage and liability only. The price estimates are based on no claims or violations, $100 deductibles, married male driver, and no policy discounts are applied.
Should you buy full coverage or liability only?
There is no specific rule to stop buying full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let's say your Chevrolet Impala settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after you pay the deductible. If premiums are more than $300 annually to have full coverage, then it may be the right time to buy liability only.
There are some scenarios where eliminating full coverage is not a good plan. If you haven't satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Lower rates by qualifying for discounts
Car insurance is not cheap, but there are discounts available that you may not even be aware of. A few discounts will be applied when you purchase, but a few need to be requested specifically before they will apply.
- Onboard Data Collection - Drivers that enable their auto insurance company to study their driving habits by installing a telematics device such as Progressive's Snapshot and State Farm's In-Drive could possibly reduce rates as long as the data is positive.
- Accident Forgiveness - This one isn't a discount, but some companies like State Farm and Progressive allow you one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
- Passive Restraints - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
- Safe Drivers - Accident-free drivers can save as much as half off their rates than drivers with accident claims.
- Good Students Pay Less - Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
- Memberships - Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
- Senior Citizen Rates - Drivers over the age of 55 could receive a small decrease in premiums.
A quick disclaimer, most of the big mark downs will not be given to the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like you could get a free auto insurance policy, you aren't that lucky.
Some of the larger companies that may offer these money-saving discounts may include but are not limited to:
If you want cheaper Wichita car insurance quotes, ask each insurance company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in Wichita.
Insurance agent or online?
Some consumers still like to go talk to an agent and that can be a great decision One of the benefits of getting online price quotes is you can get lower rates but also keep your business local. Putting coverage with local agents is still important in Wichita.
Upon completion of this simple form, your insurance coverage information is emailed to insurance agents in Wichita who want to provide quotes and help you find cheaper coverage. There is no need to find an agent on your own because quoted prices will be sent directly to you. It's the lowest rates without requiring a lot of work. If for some reason you want to compare prices for a specific company, you would need to navigate to their website and fill out their quote form.
Two different types of car insurance agents
If you prefer to buy insurance from a reliable insurance agency, you must know there are a couple different types of agents and how they operate. Insurance agencies are either independent agents or exclusive agents.
Independent Insurance Agents
Independent agencies are not employed by any specific company and that enables them to quote your coverage with a variety of different insurance companies and get the cheapest rates. To move your coverage to a new company, they can switch companies in-house which is easy for the insured.
If you are comparing rate quotes, you will want to get insurance quotes from multiple independent agents to get the most accurate price comparison.
Featured below is a partial list of independent agencies in Wichita that can possibly get you price quote information.
Exclusive Insurance Agents
These agents normally can only provide a single company's rates and examples are Farmers Insurance, Allstate, or State Farm. They are unable to compare rates from other companies so it's a take it or leave it situation. Exclusive agencies are usually well trained on sales techniques which helps them sell insurance even at higher premiums.
Listed below are Wichita exclusive insurance agents who can help you get rate quotes.
David Dettwiler - State Farm Insurance Agent
215 S Maize Rd #101 - Wichita, KS 67209 - (316) 613-3811 - View Map
Picking an insurance agency requires more thought than just the quoted price. Here are some questions you should ask.
- Will the quote change when the policy is issued?
- What companies can they write with?
- Do they reduce claim amounts on high mileage vehicles?
- How much can you save by raising your physical damage deductibles?
- How much experience to they have in personal lines coverages?
- Will a damage claim use OEM or aftermarket replacement parts?
- Can you contact them at any time?
- In the event of vehicle damage, can you pick the collision repair facility?
Switch companies and save? Really?
Popular auto insurance providers such as State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. They all seem to convey the message about how much you will save if you get a free Wichita car insurance quote and switch your policy. Is it even possible that every company can charge lower premium rates?
Insurance companies quote the lowest rates for the right customer that earns them the most money. A good example of a profitable customer could possibly be between the ages of 30 and 50, carries high limits, and drives less than 10,000 miles a year. Any driver that matches those criteria will get a cheap rate quote in Wichita and is almost guaranteed to save some money.
People who cannot meet the requirements may receive more expensive rates which results in the prospect going elsewhere. Company advertisements say "people that switch" not "everyone that quotes" can get the lowest rates when switching. This is how companies can advertise the way they do.
This really drives home the point why you should get as many free Wichita car insurance quotes as possible. It's just too difficult to predict which auto insurance company will have the best prices for your profile.
Be persistent and save
When buying insurance coverage, make sure you don't sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped collision coverage only to discover later they didn't purchase enough coverage. Your goal is to get the best coverage possible at the best price.
Cheap Chevy Impala insurance in Wichita can be found both online as well as from independent agents in Wichita, so you need to shop Wichita car insurance with both so you have a total pricing picture. Some insurance companies may not have rates over the internet and most of the time these small insurance companies work with local independent agents.
More tips and info about insurance is available in the articles below:
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Who Has Cheap Kansas Car Insurance Quotes for a Dodge Journey? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)
- Older Drivers FAQ (iihs.org)