Lower Your 2006 Chevrolet Impala Insurance Rates

Looking for better insurance coverage rates for your Chevrolet Impala? Paying for expensive Chevrolet Impala insurance can drain your family’s budget and make it hard to pay other bills. Price shopping at each renewal is free, only takes a few minutes, and is a good way to lower your monthly bill.

Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates and get the definite best rates possible.

The method we recommend to get rate comparisons is to know the trick most larger insurance companies actually pay money for the chance to give you rate quotes. The one thing you need to do is provide information like how much school you completed, your occupation, an estimate of your credit level, and coverage limits. Your insurance information is submitted instantly to all major companies and they return quotes immediately.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise the entire discount list in an easy-to-find place, so we researched some of the best known and also the more inconspicuous credits available to bring down your rates.

• Defensive Driver Discount – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Good Student – Being a good student may save you up to 25%. Earning this discount can benefit you up to age 25.
• Homeowners Savings – Owning a home can help you save on car insurance because it requires a higher level of personal finance.
• Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may have a lower total premium amount.
• Active Military Service – Being deployed with a military unit could trigger a small discount.
• Good Driver Discount – Drivers without accidents may save up to 50% more for Impala coverage than drivers with accident claims.
• ABS and Traction Control Discounts – Vehicles with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
• Telematics Data Discounts – Drivers who elect to allow driving data collection to scrutinize driving patterns by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they show good driving skills.
• Policy Bundle Discount – When you combine your home and auto insurance with the same insurance company you could earn a discount of up to 20% off your total premium.
• Professional Memberships – Affiliation with a qualifying organization may earn a discount on your policy.

One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way.

A list of car insurance companies and their offered discounts are:

• Progressive has savings for homeowner, continuous coverage, online signing, multi-policy, online quote discount, and good student.
• SAFECO may offer discounts for teen safety rewards, drive less, anti-lock brakes, accident prevention training, and bundle discounts.
• American Family discounts include Steer into Savings, early bird, accident-free, multi-vehicle, good driver, mySafetyValet, and defensive driver.
• MetLife policyholders can earn discounts including accident-free, good student, claim-free, multi-policy, defensive driver, and good driver.
• Geico has discounts for driver training, multi-policy, federal employee, defensive driver, good student, air bags, and military active duty.
• The Hartford offers premium reductions for bundle, vehicle fuel type, anti-theft, good student, and defensive driver.

Check with all companies you are considering the best way to save money. All car insurance discounts may not apply to policies in your area. To choose providers that can offer you the previously mentioned discounts, click here to view.

Insurance coverage is unique, just like you

When buying the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Every situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

• What if I total my 2006 Chevy Impala and owe more than it’s worth?
• Should I bundle my homeowners policy with my auto?
• Do I really need UM/UIM coverage?
• How do I insure my teen driver?
• Should I carry comprehensive and collision coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does my policy pay for OEM or aftermarket parts?
• Does my 2006 Chevy Impala need full coverage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Listed below are the normal coverages offered by insurance companies.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your 2006 Chevy Impala.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, rock chips in glass, a broken windshield, hitting a bird and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses for things like prosthetic devices, X-ray expenses, rehabilitation expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage will cover damage or injury you incur to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like bail bonds, repair costs for stationary objects, funeral expenses and medical expenses. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.