View 2001 Chevrolet Impala Insurance Quotes

Searching for better insurance rates for your Chevrolet Impala? Getting the lowest cost insurance online may at first seem to be overwhelming for drivers new to price shopping on the internet. With such a large number of agents and insurers available, how are drivers able to efficiently compare the different rates to find cheaper insurance rates?

It’s smart to do price comparisons before your next renewal because prices change quite often. Just because you had the best price for Impala insurance six months ago there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the quickest ways to buy cheaper insurance.

If you have car insurance now, you will be able to save some money using this strategy. Shopping for the lowest cost protection is easy if you know what you’re doing. But car owners should learn how big insurance companies price insurance differently.

Are you earning every discount?

Insurance is expensive, but you might be missing out on some discounts to reduce the price significantly. Certain discounts will be applied at quote time, but some must be asked about before you will receive the discount. If you do not double check each discount you qualify for, you are just wasting money.

• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
• No Claim Discounts – Drivers with accident-free driving histories can earn big discounts in comparison to accident-prone drivers.
• Seat Belt Discounts – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Low Mileage – Driving less could be rewarded with cheaper prices.
• Homeowners Discount – Just being a homeowner may trigger a policy discount on insurance due to the fact that maintaining a home is proof that your finances are in order.
• Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
• Life Insurance – Some companies give a discount if you purchase some life insurance too.
• Active Service Discounts – Having a family member in the military could trigger a small discount.

As a footnote on discounts, many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Some companies who may offer many of the previously listed discounts may include but are not limited to:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

When getting a coverage quote, ask each insurance company the best way to save money. Depending on the company, some discounts may not apply to policyholders in your area. To see a list of insurance companies with the best insurance discounts, click here to view.

When in doubt talk to an agent

When buying the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions may help you determine if you might need professional guidance.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I get collision insurance on every vehicle?
• Is a fancy paint job covered?
• Is my nanny covered when driving my vehicle?
• Does car insurance cover theft of personal property?
• If my pet gets injured in an accident are they covered?
• Is my ex-spouse still covered by my policy?
• Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Don’t believe everything you hear

Insurance companies such as 21st Century, Allstate and State Farm consistently run television and radio advertisements. All the ads state the claim of big savings if you switch your insurance coverage to their company. How do they all save you money? It’s all in how they say it.

All companies provide the lowest rates for the type of customer that will generate a profit. For example, this type of risk profile should be married and over the age of 30, has no tickets, and drives newer vehicles. Any customer who matches those parameters gets the lowest car insurance rates and will most likely save when they switch companies.

Insureds who cannot meet those standards will have to pay higher rates and the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can confidently claim big savings.

Because of this risk profiling, you really should get insurance coverage quotes from several different companies. Because without a comparison, you cannot know the company that will have the lowest rates for your situation.

Learn about auto insurance coverages for a 2001 Chevy Impala

Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from flooding, a broken windshield, falling objects and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision – Collision insurance will pay to fix damage to your Impala resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as pain medications, ambulance fees, chiropractic care, funeral costs and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability – This provides protection from injuries or damage you cause to people or other property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like structural damage, repair costs for stationary objects and bail bonds. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Final thoughts

As you quote insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone dropped full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

Insureds change insurance companies for any number of reasons including unfair underwriting practices, not issuing a premium refund, delays in paying claims and even delays in responding to claim requests. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

Cost effective 2001 Chevy Impala insurance is possible both online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies may not have the ability to get quotes online and most of the time these small insurance companies provide coverage only through independent agents.

More tips and info about car insurance is located in these articles:

• Tools for Teen Driving Safety (State Farm)
• Car Insurance FAQ (Trusted Choice)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Safe Vehicles for Teens (iihs.org)