Auto Insurance Rates for a Chevy Impala in Toledo

Finding affordable Toledo Chevy Impala insurance quotes can appear to be overwhelming for vehicle owners that are relatively new to comparing rates over the internet. Since there are so many companies in the marketplace, how can you efficiently compare every company to locate the best available rates?

Steps to finding discount Chevy Impala insurance in Toledo

If saving money is your primary concern, then the best way to get budget Chevy Impala insurance is to compare prices regularly from different companies who provide car insurance in Toledo.

The critical component of shopping around is to use the same amount of coverage on every quote and and to compare every insurance company. Doing this enables a fair price comparison and a complete selection of prices.

Insurance rates Chevy Impala in ToledoIt’s well known that insurance companies want to keep your business as long as possible. Consumers who compare rates once a year will probably switch to a new company because of the high probability of finding a cheaper policy. A recent study showed that drivers who compared rates once a year saved $850 each year as compared to drivers who never shopped around for better prices.

If finding the cheapest price for Chevy Impala insurance is the reason you’re reading this, then having an understanding of how to find companies and compare insurance rates can save time and make the process easier.

The most recommended method to get rate comparisons for Chevy Impala insurance in Toledo is to know the trick car insurance companies actually pay money for the chance to provide you with free rate quotes. The one thing you need to do is provide a small amount of information such as how much coverage you want, if you went to college, if your license is active, and if it has an anti-theft system. Your information is submitted instantly to insurance companies and you receive quotes with very little delay.

To start a rate quote now, click here and enter the information requested.

The following companies provide free quotes in Ohio. To find cheap car insurance in OH, we recommend you visit two to three different companies to get the most competitive price.

Discounts for cheaper auto insurance rates

Some companies do not advertise all possible discounts in a way that’s easy to find, so the list below details a few of the more well known and also the lesser-known savings tricks you should be using when you buy Toledo auto insurance online.Auto insurance discounts

Consumers should know that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. Despite the fact that it seems like you could get a free auto insurance policy, nobody gets a free ride.

The illustration below shows the difference between Chevy Impala insurance rates with and without discounts. Data assumes a male driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, safe-driver, multi-car, and marriage discounts applied.

Companies and a summarized list of policyholder discounts are detailed below.

When quoting, ask all the companies to give you their best rates. Depending on the company, some discounts might not be available to policyholders everywhere. To locate insurance companies that provide some of the discounts listed above in Toledo, click here to view.

Coverage information

The coverage table below covers a range of rate quotes for Chevy Impala models. Knowing how prices are figured can help customers make smart choices when comparing insurance quotes.


Chevrolet Impala Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $154 $324 $234 $14 $70 $796 $66
Impala LS $154 $324 $234 $14 $70 $796 $66
Impala LT $178 $324 $234 $14 $70 $820 $68
Impala LT $178 $324 $234 $14 $70 $820 $68
Impala LTZ $178 $382 $234 $14 $70 $878 $73
Impala LTZ $178 $382 $234 $14 $70 $878 $73
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific zip code location which can decrease or increase price quotes noticeably.

Rate comparison for different deductibles

One common question asked by Toledo drivers is what deductibles to buy. The comparisons below summarize the difference in cost of buying low and high physical damage deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.


Chevrolet Impala insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Impala LS $170 $352 $226 $14 $68 $855 $71
Impala LS $170 $352 $226 $14 $68 $855 $71
Impala LT $196 $352 $226 $14 $68 $881 $73
Impala LT $196 $352 $226 $14 $68 $881 $73
Impala LTZ $196 $416 $226 $14 $68 $945 $79
Impala LTZ $196 $416 $226 $14 $68 $945 $79
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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 $94 $186 $226 $14 $68 $588 $49
Impala LS $94 $186 $226 $14 $68 $588 $49
Impala LT $108 $186 $226 $14 $68 $602 $50
Impala LT $108 $186 $226 $14 $68 $602 $50
Impala LTZ $108 $220 $226 $14 $68 $636 $53
Impala LTZ $108 $220 $226 $14 $68 $636 $53
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in specific location which can impact price quotes considerably.

Based on this data, using a $100 deductible will cost in the ballpark of $23 more each month or $276 each year averaged for all Impala models than quoting the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 39 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Drive safe and save

The chart below highlights how traffic violations and at-fault claims influence Chevy Impala premium costs for each age group. The premium estimates are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Full coverage versus liability-only in Toledo

The illustration below compares Chevy Impala insurance premiums with and without physical damage coverage. The data is based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Should you be buying full coverage?

There isn’t a written rule for eliminating physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s pretend your Chevy Impala settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are currently paying more than $800 a year for your policy with full coverage, then it might be time to buy liability only.

There are some conditions where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Why You Might Pay Higher Rates in Toledo

A large part of saving on car insurance is knowing the factors that go into determining your premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in big savings.

The following are some of the items car insurance companies consider when setting rates.