2003 Chevrolet Impala Car Insurance Rates

Want the cheapest car insurance rates for your Chevrolet Impala? Have you finally had enough of not being able to afford each month for car insurance? You are in the same boat as many other people. With people having so many choices, it is very difficult to choose the lowest cost insurance company.

Buying affordable insurance coverage coverage is quite easy. If you have insurance now or need a new policy, you can learn to reduce the price you pay while maximizing coverage. Vehicle owners just need to understand the most effective way to get comparison rates online.

Get lower-cost insurance rates by understanding these factors

Lots of things are part of the calculation when quoting car insurance. Some of the criteria are obvious such as traffic violations, but other factors are less apparent like where you live or your financial responsibility.

• Bad driving leads to higher costs – Attentive drivers have lower premiums as compared to careless drivers. Getting just one driving citation can bump up the cost by as much as thirty percent. Drivers who have gotten license-revoking violations like reckless driving or DUI may find they need to complete a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
• Gals tend to be lower risk – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean females are better drivers. Males and females have auto accidents in similar numbers, but the male of the species get into accidents with more damage. Men also tend to get ticketed for serious violations like DWI (DUI) or reckless driving.
• Eliminate unneeded extra policy coverages – Insurance companies have many additional extra coverages you can purchase if you don’t pay attention. Coverages like coverage for rental cars, towing coverage, and motor club memberships may not be needed and are just wasting money. They may seem like a good idea when buying your policy, but if you don’t need them think about removing them and cutting costs.
• Increase deductibles to save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. A few examples of covered claims would be a broken side mirror, hail damage, and having your car stolen. The deductibles are how much you are required to spend if the claim is covered. The more you’re willing to pay, the bigger discount you will receive on Impala insurance.
• Do you have enough liability insurance? – Your policy’s liability coverage provides coverage when a court rules you are at fault for causing personal injury or damage in an accident. This coverage provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• Urban areas may pay more – Being located in small towns and rural areas may provide you with better prices if you are looking for the lowest rates. City drivers tend to have more road rage incidents and much longer commute distances. Fewer people means a lower chance of having an accident.
• Having a spouse is a good thing – Having a significant other can get you a discount on your insurance coverage bill. Having a significant other means you’re more responsible and insurance companies reward insureds because married drivers get in fewer accidents.
• Youthful drivers cost more – Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims and are safer drivers.Teenage drivers are statistically shown to be easily distracted when at the wheel of a vehicle so insurance coverage rates are higher.

Auto insurance discounts are available to slash your rates

Car insurance companies do not list the entire discount list very well, so below is a list both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.

• Drive Less and Save – Maintaining low annual mileage could qualify for cheaper auto insurancerates.
• Bundled Policy Discount – If you insure your home and vehicles with one company they may give you a discount of at least 10% off all policies.
• Discount for Passive Restraints – Vehicles equipped with air bags can receive discounts of 25 to 30%.
• Cautious Drivers – Insureds without accidents may receive a discount up to 45% on Impala insurance than their less cautious counterparts.
• Service Members Pay Less – Being on active duty in the military could trigger a small discount.
• Discount for Life Insurance – Insurance companies who offer life insurance give a discounted price on car insurance if you buy a life policy as well.

One last thing about discounts, many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck. But any discount will positively reduce your overall bill.

Larger auto insurance companies and some of the premium reductions they offer are:

• 21st Century offers discounts including anti-lock brakes, student driver, theft prevention, homeowners, and automatic seat belts.
• State Farm offers premium reductions for multiple policy, defensive driving training, good student, anti-theft, accident-free, and multiple autos.
• AAA discounts include anti-theft, good student, multi-policy, AAA membership discount, education and occupation, and pay-in-full.
• Liberty Mutual offers discounts for new graduate, hybrid vehicle, multi-policy, good student, teen driver discount, and multi-car.
• Progressive includes discounts for online quote discount, continuous coverage, homeowner, multi-policy, and multi-vehicle.

Before purchasing a policy, check with each company or agent which credits you are entitled to. A few discounts may not be offered everywhere. To see a list of auto insurance companies with the best auto insurance discounts, follow this link.

Advertising myths

Drivers get pounded daily by advertisements that claim the best prices by Allstate and Progressive. All the companies advertise the message about savings just by moving to their company.

How can each company cost less than your current company? Here is how they do it.

Different companies have specific guidelines for the type of customer that will generate a profit. One example of a profitable customer might be described as between the ages of 40 and 55, insures multiple vehicles, and drives less than 5,000 miles a year. Someone that meets those criteria will get low premium rates and will probably cut their rates if they switch.

Insureds who don’t meet this stringent profile may be forced to pay higher rates which usually ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save the amount stated. This is how companies can truthfully make claims that they all have the best premium rates.

Because of this risk profiling, it’s extremely important to compare as many free car insurance quotes as you can. It’s just too difficult to predict which insurance companies will give you the biggest savings.

Everyone needs different insurance coverages

When choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can help discover if you might need an agent’s assistance.

• Are split liability limits better than a combined single limit?
• Am I covered if my car is in a flood?
• Am I covered when driving a rental car?
• When can my company non-renew my policy?
• Does my policy cover me when driving someone else’s vehicle?
• When should I buy a commercial auto policy?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Information about specific coverages

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Collision protection

Collision insurance will pay to fix damage to your Impala caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like chiropractic care, pain medications and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage, hail damage and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

Liability insurance protects you from damage that occurs to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is up to you, but buy as large an amount as possible.

And the best car insurance company is…

A few companies do not offer rates over the internet small, regional companies work with independent insurance agencies. Lower-priced 2003 Chevy Impala insurance can be bought from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection.

You just learned a lot of tips how to shop for 2003 Chevy Impala insurance online. It’s most important to understand that the more companies you get prices for, the better your comparison will be. Consumers may even find the most savings is with the smaller companies. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

Helpful articles

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Tools for Teen Driving Safety (State Farm)
• Winter Driving (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)