2003 Chevrolet Impala Car Insurance Quotes – 5 Tips for Best Rates

Want the cheapest car insurance rates for your Chevrolet Impala? Trying to find the cheapest insurance for a Chevy Impala can normally be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to buy car insurance and you need to know the proper way to price shop coverage for a new or used Chevy and get the lowest possible price.

It’s important to compare rates before your policy renews since rates fluctuate regularly. Even if you got the lowest rates on Impala coverage two years ago a different company probably has better rates today. So just forget all the misinformation about car insurance because you’re going to learn the best way to save money, get proper coverage and the best rates.

If you have insurance now or need a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. Buying affordable auto insurance coverage is easy if you know what you’re doing. Consumers just need to understand the most effective way to shop for auto insurance online.

Free Insurance Coverage Quotes

Reducing your 2003 Chevy Impala insurance rates is not a difficult process. The only requirement is to invest a few minutes to compare rate quotes from different insurance companies. This can be accomplished using a couple different methods.

The recommended way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for repetitive form submissions for each company you want a rate for. One quote request will return price quotes from multiple companies. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to get quotes online requires visiting the website for every company you want to comare and complete a new quote form. For example, let’s say you want to compare rates from Geico, 21st Century and American Family. To get rate quotes you would need to go to every website 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.

The least efficient way to get comparison rates is driving around to and from local insurance agencies. Shopping for insurance coverage online eliminates the need for an insurance agent unless you want the professional guidance of a licensed agent. However, consumers can get prices online but buy from a local insurance agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just ensure you’re using identical coverage information on every quote you get. If each company quotes higher or lower deductibles it will be very difficult to determine the best price for your Chevy Impala.

Do you qualify for a discount?

Insurance can be prohibitively expensive, buy you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but some may not be applied and must be asked about before they will apply. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Bundle and Save – If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
  • Drive Less and Save – Low mileage vehicles can earn a substantially lower rate.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will cut your premiums.

For a list of providers with the best insurance coverage discounts, click here to view.

What coverages do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Can I rent a car in Mexico?
  • What is no-fault insurance?
  • Does my insurance cover a custom paint job?
  • Does my 2003 Chevy Impala qualify for pleasure use?
  • Why am I required to buy liability insurance?
  • What are the best liability limits?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the minimum liability in my state?
  • Does having multiple vehicles earn me a discount?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.

Car insurance coverage considerations

Having a good grasp of car insurance aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Impala.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, hitting a parking meter, sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for dental work, doctor visits, EMT expenses, funeral costs and X-ray expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability

This provides protection from damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like structural damage, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, hail damage and damage from flooding. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Best coverage at the best price

Drivers leave their current company for many reasons like delays in paying claims, questionable increases in premium, extreme rates for teen drivers or even policy non-renewal. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, someone dropped uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

You just learned a lot of information how to lower your 2003 Chevy Impala insurance rates. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from the least-expected company.

Additional car insurance information is located on the following sites: