1995 Chevrolet Impala Insurance Quotes

Nobody I know likes buying insurance, especially when they are aware that they could find lower prices if they just compared rates. Numerous auto insurance companies battle for your insurance dollar, so it can be very hard to choose a provider and get the best coverage at the lowest cost out there.

If you have insurance now or are shopping for new coverage, you can use this information to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Drivers only need to know the tricks to shop their coverage around over the internet.

Lower rate quotes with discounts

Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts to cut the cost considerably. Some discounts apply automatically when you purchase, but once in a while a discount must be specifically requested prior to receiving the credit.

• Discounts for Government Workers – Federal government employees could cut as much as 10% off on Impala coverage depending on your car insurance provider.
• ABS and Traction Control Discounts – Cars equipped with ABS or steering control can stop better under adverse conditions so companies give up to a 10% discount.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if offered at their school.
• Discounts for Multiple Vehicles – Drivers who insure primary and secondary vehicles with the same car insurance company qualifies for this discount.
• Military Deployment Discount – Being on active deployment in the military may qualify for rate reductions.
• College Student – Kids who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.

A little disclaimer on discounts, most credits do not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, insurance companies wouldn’t stay in business.

The best car insurance companies and the discounts they provide are included below.

• Farm Bureau discounts include renewal discount, multi-vehicle, 55 and retired, multi-policy, and driver training.
• Liberty Mutual has savings for newly married, new vehicle discount, teen driver discount, preferred payment discount, exclusive group savings, and hybrid vehicle.
• State Farm offers discounts including accident-free, multiple policy, safe vehicle, Drive Safe & Save, and multiple autos.
• Auto-Owners Insurance may include discounts for safe vehicle, mature driver, paid in full, student away at school, and paperless.
• Geico has discounts for five-year accident-free, daytime running lights, multi-policy, multi-vehicle, and membership and employees.
• SAFECO includes discounts for anti-theft, drive less, teen safety rewards, multi-car, teen safe driver, and safe driver.

When comparing rates, check with all companies you are considering to apply every possible discount. Some of the discounts discussed earlier might not apply everywhere.

How to buy auto insurance

Finding a better price on auto insurance isn’t really that difficult. Consumers just need to invest a few minutes comparing rates to see which company has low cost auto insurance quotes. You can get a good selection of rate quotes in a couple of different ways.

• Experts agree that the best way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This form eliminates the need for repetitive form submissions for every auto insurance company. A single form gets rate comparisons from multiple low-cost companies.
• A different way to analyze rates is to manually visit each company’s website to complete a price quote. For example, we’ll pretend you want to compare rates from Liberty Mutual, Progressive and Geico. You would have to navigate to each company’s site to enter the same coverage data repeatedly, and that explains why we recommend the first method.

  For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to keep exactly the same quote information for each quote you get. If the quotes have different data it will be very difficult to decipher which rate is best.

Informed drivers can lower insurance rates

Many different elements are considered when you get a price on insurance. A few of the factors are predictable such as your driving history, but other factors are less apparent such as your credit history and annual miles driven.

• Safer vehicles cost less to insure – Cars with high safety ratings get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims and cheaper rates on your policy.
• If you don’t need it don’t buy it – There are a lot of optional add-on coverages that you can buy but may not be useful. Coverages like vanishing deductibles, accidental death, and extra equipment coverage may be costing you every month. They may seem good at first, but now you might not need them so remove them and pocket the money.
• Small frequent insurance coverage claims are not good – If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies give better rates to drivers who are claim-free. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
• Annual mileage impacts costs – The more miles you rack up on your Chevy in a year the more you will pay for insurance coverage. A lot of insurance companies rate vehicles partially by how you use the vehicle. Cars and trucks that do not get driven very much receive lower rates than those used for commuting. Improper usage on your Impala can cost quite a bit. It’s a smart idea to ensure your policy reflects how each vehicle is driven.
• Bad driving means higher premiums – A bad driving record has a big impact on rates. Getting just one ticket could increase your next policy renewal to the point where it’s not affordable. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who have gotten flagrant violations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
• Discounts for married couples – Walking down the aisle may cut your premiums when shopping for insurance coverage. Marriage may mean you are more financially stable and insurance companies reward insureds because being married results in fewer claims.

What is the best auto insurance coverage?

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not you would benefit from professional advice.

• How much liability do I need to cover my assets?
• Am I covered if I break a side mirror?
• When does my teenage driver need to be added to my policy?
• Do I have coverage for damage caused while driving under the influence?
• Is my teen driver covered when they drive my company car?
• Am I covered when driving a rental car?
• Do I have coverage when making deliveries for my home business?
• Are split liability limits better than a combined single limit?
• Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Do drivers who switch really save?

Consumers can’t escape the ads for cheaper auto insurance by State Farm, Allstate and Geico. All the ads make the same claim about savings if you just switch your policy.

That’s great but how can every company offer drivers better rates?

Most companies have specific criteria for the type of driver that will be a good risk. One example of a desirable insured might be described as between the ages of 40 and 55, has had continuous coverage, and does not commute to work. A customer who matches those parameters will get the preferred prices and therefore will save if they switch.

Consumers who are not a match for those criteria may receive a higher rate which results in business not being written. If you pay attention, the ads say “people who switch” not “everyone who quotes” save that much. This is how companies can truthfully claim big savings. This really illustrates why you really need to compare quotes as often as possible. It is impossible to predict the company that will be your best fit.

Car insurance 101

Learning about specific coverages of insurance aids in choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses for ambulance fees, funeral costs, dental work, pain medications and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for liability

This coverage will cover damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like repair costs for stationary objects, medical expenses, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Impala resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, hitting a parking meter and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, hail damage, damage from a tornado or hurricane and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Be a money saver!

We’ve covered some good ideas how you can lower your 1995 Chevy Impala insurance premium rates. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. Consumers may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. In many instances, someone sacrificed collision coverage and learned later that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

To read more, feel free to browse the following helpful articles:

• Safe Vehicles for Teens (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Vehicle Safety Ratings (iihs.org)
• Rollover Crash FAQ (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)