Save on 2000 Chevrolet Impala Insurance Quotes

Want the cheapest car insurance rates for your Chevrolet Impala? Are you tired of paying out the nose to insure your Chevy every month? Your situation is no different than many other consumers.

Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates and get the definite best rates possible.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Choosing the best insurance company for you is quite easy. But consumers must comprehend how insurance companies sell insurance online and take advantage of how the system works.

How to Compare Insurance Quotes

When shopping for insurance there are multiple ways to get quotes and find the best price. The best method to find competitive 2000 Chevy Impala insurance rates is simply to get online rate quotes. This is very easy and can be done in several different ways.

  1. The best way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for boring form submissions to each individual insurance company. Completing one form gets you price quotes from multiple low-cost companies.
  2. A less efficient way to find lower rates is going to the website of each company and complete a new quote form. For example, we’ll pretend you want comparison quotes from Farmers, Safeco and Travelers. You would have to visit each site to input your insurance information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

Whichever method you choose, ensure you’re using identical information on every quote you get. If you use mixed coverages you can’t possibly make an equal comparison. Slightly different coverages can mean a large discrepancy in price. And when price shopping your coverage, having more price comparisons helps locate the best price.

Policy discounts you shouldn’t miss

Companies do not list all available discounts very well, so we researched some of the best known as well as the least known ways to save on insurance.

  • Memberships – Belonging to a professional or civic organization could trigger savings when buying insurance for Impala insurance.
  • Safety Course Discount – Completing a defensive driving course could save 5% or more if you qualify.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Use Seat Belts – Requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10% for Impala insurance.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of insurance companies with the best insurance discounts, click here.

Complexity of Chevy Impala insurance rates

Smart consumers have a good feel for the factors that go into determining the rates you pay for insurance coverage. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Listed below are some of the items companies use to determine prices.

  • Liability coverage is cheap – Your policy’s liability coverage is the protection if you are found to be at fault for damages caused by your negligence. Liability insurance provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • How your age affects price – Older drivers are more responsible, file fewer claims and are safer drivers. Teenage drivers are known to get distracted easily behind the wheel and because of this, their insurance coverage rates are much higher.
  • Small claims can cost you – Auto insurance companies provide better rates to drivers who file claims infrequently. If you file claims often, you can expect either policy cancellation or increased premiums. Auto insurance is designed for larger claims.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for insurance coverage? Careers like lawyers, social workers and stock brokers tend to pay the highest rates due to high stress levels and lengthy work days. On the other hand, professions such as actors, students and performers have the lowest average rates for Impala insurance.
  • Increase deductibles and save – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Chevy. Some instances where coverage would apply are running into the backend of another car, vandalism, and windstorm damage. Your deductibles are how much you are required to spend before your insurance coverage pays a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be for Impala insurance.
  • Lower miles equals lower premium – The more you drive each year the higher your rate. The majority of insurers apply a rate determined by how the vehicle is used. Cars not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your insurance coverage policy is showing the correct driver usage, because it can save money. If your policy improperly rates your Impala can cost quite a bit.
  • Traffic violations increase rates – A bad driving record has a lot to do with how much you pay for insurance. Careful drivers receive lower rates compared to drivers with tickets. Just one moving violation can boost insurance rates by twenty percent. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Women and men cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like reckless driving and DUI.

Insurance agents can help

When choosing coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

  • When would I need rental car insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I bundle my homeowners policy with my auto?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving a rental car?
  • Am I covered if I hit a deer?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Knowing the specifics of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Collision – This coverage covers damage to your Impala caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, scraping a guard rail, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability insurance – This can cover damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like loss of income, medical services, repair bills for other people’s vehicles, emergency aid and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for things like doctor visits, hospital visits, EMT expenses, rehabilitation expenses and surgery. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, hitting a bird, a tree branch falling on your vehicle, fire damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Impala.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Save for a rainy day

Cost effective 2000 Chevy Impala insurance is available from both online companies and also from your neighborhood agents, so you should compare both to have the best rate selection. A few companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

You just read some good ideas how you can lower your insurance rates. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the best prices are with an unexpected company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

More information can be read at the links below