2005 Chevrolet Impala Insurance Quotes – 10 Savings Tips

Trying to find the cheapest insurance for a new or used Chevy Impala can be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to price shop coverage for a Chevy and locate the lowest price either online or from local insurance agents.

Affordable auto insurance rates with discounts

Some companies don’t always list all available discounts in an easy-to-find place, so the following is a list of both the well known and the more hidden discounts that may be available.

• Policy Bundle Discount – If you can bundle your auto and home insurance with the same company you will save 10% to 20% off each policy.
• Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more and make you a better driver.
• College Student Discount – Kids who are enrolled in higher education away from home and don’t have a car may qualify for this discount.
• More Vehicles More Savings – Buying insurance for multiple cars on one policy can get a discount on all vehicles.
• No Claim Discounts – Good drivers with no accidents get the best auto insurance rates in comparison to accident-prone drivers.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a insurance coverage quote.
• Auto/Life Discount – If the company offers life insurance, you could get lower rates if you buy life insurance from them.
• ABS Brakes – Cars that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
• Early Payment Discounts – By paying your policy upfront instead of paying each month you may have a lower total premium amount.
• Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less since newer vehicles are generally safer.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So even though you would think all the discounts add up to a free policy, auto insurance companies aren’t that generous. But any discount will reduce your premiums.

A list of companies and a selection of discounts are shown below.

• State Farm policyholders can earn discounts including accident-free, multiple autos, safe vehicle, driver’s education, multiple policy, Drive Safe & Save, and defensive driving training.
• Progressive may offer discounts for multi-vehicle, good student, homeowner, continuous coverage, multi-policy, online quote discount, and online signing.
• Travelers offers premium reductions for save driver, early quote, good student, IntelliDrive, new car, and payment discounts.
• American Family discounts include bundled insurance, good student, early bird, defensive driver, and mySafetyValet.
• Liberty Mutual may have discounts that include exclusive group savings, good student, newly married, multi-policy, and teen driver discount.

If you need lower rates, check with every insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered everywhere.

First Step: Get free insurance quotes

Performing a rate comparison is a ton of work if you don’t know the easiest way. You can spend your afternoon talking about coverages with insurance companies in your area, or you can utilize online quotes to maximize your effort.

Most major companies enroll in a system that allows shoppers to send in one quote, and every company returns a competitive quote based on that information. This eliminates the need for form submissions for each company you want a rate for. To compare rates now click to open in new window.

The single downside to doing it this way is you are unable to specify which providers you want to price. So if you prefer to pick specific providers to compare prices, we have a listing of insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you compare identical coverage data with each company. If you have differing limits it will be very difficult to find the best deal for your Chevy Impala.

Tailor your auto insurance coverage to you

When buying coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether you might need professional guidance.

• Does my insurance cover damage caused when ticketed for reckless driving?
• How much liability do I need to cover my assets?
• Am I missing any policy discounts?
• Do I need motorclub coverage?
• When should I buy a commercial auto policy?
• Is my babysitter covered when using my vehicle?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Car insurance specifics

Understanding the coverages of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision protection

Collision coverage pays for damage to your Impala resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive (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 like damage from flooding, falling objects, a tree branch falling on your vehicle and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like chiropractic care, surgery, EMT expenses, funeral costs and pain medications. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things such as funeral expenses, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims 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, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Quote often and quote early

People switch companies for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, delays in paying claims or extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company can be less work than you think.

When searching for cheap insurance coverage quotes, you should never buy poor coverage just to save money. In too many instances, an insured cut full coverage only to find out that they should have had better coverage. Your goal should be to buy enough coverage at the best cost.

We just showed you a lot of information how to get a better price on 2005 Chevy Impala insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even find the most savings is with a small mutual company.

Additional information is located on the following sites:

• Auto Insurance 101 (About.com)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)