2000 Chevrolet Impala Insurance Quotes – 9 Tricks for Cheaper Rates

Are you tired of wondering where the money will come from to make your car insurance payment? You are no different than the majority of other consumers.

Consumers have so many car insurance companies to insure vehicles with, and although it’s nice to be able to choose, it makes it harder to find the best rates.

This article will help you learn the best way to quote coverages and some tricks to saving. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. But vehicle owners do need to learn the methods companies use to price online insurance and use this information to your advantage.

Do you qualify for these nine discounts?

Companies offering auto insurance do not advertise the entire discount list in an easy-to-find place, so the list below details both well-publicized as well as the least known credits that you can use to lower your rates.

• Own a Home – Owning your own home or condo can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
• Defensive Driver – Passing a course teaching defensive driver skills could possibly earn you a 5% discount if you qualify.
• No Accidents – Claim-free drivers are rewarded with significantly better rates on auto insurance quote in comparison to policyholders that have many claims.
• Discounts for Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Impala insurance depending on your insurance provider.
• Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less for Impala insurance compared to rates paid by drivers with frequent claims.
• Bundle and Save – If you can combine your homeowners and auto policy with the same insurance company you may save as much as 10 to 15 percent.
• Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
• Theft Deterent – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a auto insurance quote.
• One Accident Forgiven – but a few companies such as Progressive, Allstate, and Liberty Mutual will forgive one accident before raising your premiums so long as you haven’t had any claims before the accident.

Consumers should know that some of the credits will not apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, companies don’t profit that way. But any discount will help reduce your insurance premiums.

Some of the larger companies that may offer quotes with some of the discounts shown above include:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

If you want low cost auto insurance quotes, ask all companies you are considering to apply every possible discount. A few discounts may not apply to policies in your state.

Don’t assume everyone needs the same insurance coverage coverage

When choosing coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you would benefit from an agent’s advice.

• Will I lose any money if I cancel my policy before it expires?
• Is business property covered if stolen from my car?
• Do I need added coverage for expensive stereo equipment?
• Why am I required to buy high-risk coverage?
• What vehicles should carry emergency assistance coverage?
• How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Are you falling for claims of savings?

Companies like 21st Century, Allstate and State Farm seem to constantly run ads in print and on television. They all seem to advertise claims that you’ll save big just by switching your insurance coverage policy to them. How does every company give you a lower rate? You have to listen carefully.

Most companies provide the lowest rates for the type of driver they prefer to insure. For instance, a preferred risk might be a female over age 40, has no driving citations, and has a high credit rating. Any person that matches those criteria will probably get cheap premium rates and have a good chance to save a lot of money.

Insureds who don’t meet these criteria may receive higher prices and this results in the customer not buying. The trick is to say “drivers that switch” not “everybody who quotes” save that much when switching. That is how insurance companies can make claims like that.

Because of these techniques, you should compare many company’s rates. You cannot predict the company that will give you the biggest savings.

Car insurance coverage information

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by auto insurance companies.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, fire damage and damage from flooding. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Impala.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for chiropractic care, EMT expenses, surgery and X-ray expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sustaining damage from a pot hole, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Auto liability

This coverage can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like medical services, medical expenses and structural damage. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Final thoughts

We just covered a lot of ways to lower your 2000 Chevy Impala insurance premium rates. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest premium rates come from a lesser-known regional company. Regional companies can often provide lower prices in certain areas than the large multi-state companies such as Progressive or Geico.

Cheap 2000 Chevy Impala insurance can be sourced both online in addition to local insurance agencies, so you need to shop auto insurance with both to have the best rate selection. Some companies may not offer the ability to get quotes online and most of the time these small, regional companies work with independent agents.

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an accident victim reduced physical damage coverage and found out when filing a claim that it was a big mistake. Your goal should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

More detailed auto insurance information is located at these sites:

• Your Car has been Stolen: Now What? (Allstate)
• All About Airbag Safety (State Farm)
• Alcohol Impaired Driving FAQ (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Teen Driver Statistics (Insurance Information Insitute)