View 2002 Chevrolet Impala Insurance Quotes

Paying for pricey Chevrolet Impala insurance can draw down your monthly budget and maybe even restrict other spending. Doing a price comparison is a fast and free way to lower your monthly bill.

People have multiple insurance companies to purchase coverage from, and though it is a good thing to have a selection, having more auto insurance companies makes it harder to find the lowest rates.

You should take the time to get comparison quotes once or twice a year due to the fact that insurance prices change quite often. Even if you think you had the best deal for Impala insurance at your last renewal there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the right way to save on auto insurance.

Discounts for affordable insurance rates

Insurance is expensive, but you might be missing out on some discounts that can help lower your rates. Some of these disounts will be visible at the time of purchase, but some discounts are required to be specifically requested before you will receive the discount.

• Air Bag Discount – Cars that have air bags could see savings of 20 to 30 percent.
• Sign Online – Many insurance companies will discount your bill up to fifty bucks for signing up over the internet.
• Defensive Driving Course – Taking part in a defensive driving course could cut 5% off your bill and make you a better driver.
• Policy Bundle Discount – If you have multiple policies and insure them with the same company you may earn 10% to 20% off each policy.
• Good Grades Discount – This discount may save you up to 25%. Most companies allow this discount until age 25.
• College Student – College-age children who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
• Military Deployment Discount – Having a deployed family member could mean lower premium rates.

As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will bring down your insurance premiums.

If you would like to see a list of insurance companies who offer online insurance quotes, click this link.

The best way to compare rate quotes is to know almost all companies participate in online systems to give rate comparisons. The one thing you need to do is provide details including types of safety features, if you have an active license, whether you are married, and whether the vehicles are used for commuting. Your rating data gets transmitted to multiple top-rated companies and they provide comparison quotes almost instantly.

You may need specialized insurance coverage

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered when driving on a suspended license?
• Do I need special endorsements for business use of my vehicle?
• Is my business laptop covered if it gets stolen from my vehicle?
• How can I find cheaper teen driver insurance?
• Is rental equipment covered for theft or damage?
• What is the ISO rating for a 2002 Chevy Impala?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages

Knowing the specifics of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Impala.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liablity limits.

Liability insurance – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as emergency aid, legal defense fees, loss of income, funeral expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Insurance for medical payments – Med pay and PIP coverage kick in for immediate expenses for things like prosthetic devices, pain medications, hospital visits and EMT expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, hail damage and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Take this to the bank

When shopping online for car insurance, do not buy poor coverage just to save money. Too many times, an insured cut liability coverage limits and learned later that they should have had better coverage. Your strategy should be to buy a smart amount of coverage for the lowest cost while still protecting your assets.

Throughout this article, we presented a lot of ways to get a better price on 2002 Chevy Impala insurance. The most important thing to understand is the more companies you get rates for, the higher your chance of finding low cost insurance coverage. You may even discover the lowest priced car insurance comes from some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm and Allstate.

There are still a few companies who do not offer online quoting and many times these smaller providers only sell coverage through independent agents. The cheapest 2002 Chevy Impala insurance can be found from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best rate selection.

Much more information about car insurance is available on the following sites:

• Alcohol Impaired Driving FAQ (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• All About Airbag Safety (State Farm)
• Vehicle Safety Ratings (iihs.org)