Cheaper 2008 Chevrolet Impala Insurance Quotes

Want lower insurance rates for your Chevrolet Impala? Wish you could get out of overpriced insurance? It’s a common feeling and many consumers are in the same pinch. Since you have so many companies to choose from, it is hard for the average consumer to locate the most cost effective insurance provider.

It’s a great practice to shop coverage around before your policy renews due to the fact that insurance prices are constantly changing. Even if you got the best price for Impala insurance last year other companies may now be cheaper. Ignore everything you know about insurance because you’re going to learn the things you must know in order to save on insurance.

Chevy Impala insurance price factors

Many factors are part of the calculation when premium rates are determined. Some are obvious like your driving record, although some other factors are not quite as obvious like where you live or how safe your car is.

Listed below are a few of the “ingredients” companies use to determine your prices.

• Females tend to cost less – Statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Both sexes have fender benders at about the same rate, but the men cause more damage. Men also statistically get more serious tickets like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
• Keep premiums low by being claim-free – Companies award better rates to policyholders who do not file claims often. If you frequently file small claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
• Liability risk factors in – Your insurance policy’s liability coverage will protect you if you are responsible for an accident. Liability insurance provides legal defense to defend your case. Liability is cheap compared to comp and collision, so do not skimp.
• Buy a safe car and pay less – Safer cars can get you lower premiums. Highly rated vehicles protect occupants better and lower injury rates means your insurance company pays less which can mean better rates for you. If the Chevy Impala is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• Where you live plays a part – Having an address in smaller towns and rural areas of the country is a good thing when trying to find low car insurance rates. Lower population means fewer accidents and a lower car theft rate. Drivers in populated areas have to deal with congested traffic and much longer commute distances. More time behind the wheel means more chance of being in an accident.
• High physical damage deductibles save money – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. A few examples of covered claims are a windshield shattered by a rock, hitting a deer, and damage caused by flying debris. Comp and collision deductibles tell how much you are required to spend if you file a covered claim. The more damage repair cost you choose to pay out-of-pocket, the less your company will charge you for insurance for Impala insurance.
• Proper usage rating affects rates – The higher the miles on your Chevy in a year the more you will pay for insurance. A lot of companies calculate prices determined by how the vehicle is used. Autos not used for work or commuting qualify for better rates than those used for commuting. A policy that improperly rates your Impala may be costing you. Verify your insurance declarations sheet reflects the correct usage, because it can save money.
• Marriage is a bonus – Being married can get you a discount on insurance. Having a significant other means you’re more responsible and it’s proven that married drivers tend to file fewer claims.

The quickest method we recommend to compare rates is to know the fact car insurance companies participate in online systems to give rate comparisons. The only thing you need to do is provide the companies a bit of rating information such as whether you are single or married, how much education you have, whether or not you need a SR-22, and distance driven. That rating data gets transmitted to insurance companies and you receive quotes within a short period of time.

To check car insurance prices now, click here then complete the form.

Save a ton by earning discounts

Some insurers don’t list all available discounts in a way that’s easy to find, so we researched some of the more common and the harder-to-find credits available to bring down your rates.

• ABS Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and earn discounts up to 10%.
• Seat Belts Save – Drivers who require all vehicle occupants to wear their seat belts can save up to 15% off PIP or medical payments premium.
• Discount for New Cars – Buying a new car instead of a used car can get you a discount because newer vehicles have to meet stringent safety requirements.
• Senior Citizen Rates – Drivers that qualify as senior citizens may be able to get reduced rates for Impala insurance.
• Drive Less and Save – Maintaining low annual mileage may enable drivers to earn cheaper premium rates.
• Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.

It’s important to note that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, it’s just not the way it works.

To see insurers with discount insurance rates, click this link.

Your auto insurance coverage should be tailored to you

When it comes to buying adequate coverage, there really is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For instance, these questions might point out whether you will benefit from professional help.

• Does coverage extend to Mexico or Canada?
• Do I need roadside assistance coverage?
• Is my Chevy Impala covered if I use it for business?
• Can my teen driver be rated on a liability-only vehicle?
• If my pet gets injured in an accident are they covered?
• When would I need additional glass coverage?
• Does having multiple vehicles earn me a discount?
• Does coverage extend to a rental car in a foreign country?
• How much liability insurance is required?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance policy specifics

Understanding the coverages of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Impala.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses like surgery, ambulance fees, X-ray expenses and EMT expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, damage from getting keyed, hail damage, damage from flooding and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

Collision coverage pays for damage to your Impala resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as legal defense fees, emergency aid, funeral expenses, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

And the best car insurance company is…

Some companies may not provide price quotes online smaller companies prefer to sell through independent insurance agents. Lower-priced 2008 Chevy Impala insurance is definitely available both online in addition to many insurance agents, and you need to price shop both to have the best rate selection.

We’ve covered some good ideas how to get a better price on 2008 Chevy Impala insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best price on insurance coverage is with a small local company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

When you buy auto insurance online, make sure you don’t sacrifice coverage to reduce premiums. In many instances, drivers have reduced full coverage and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Much more information about insurance coverage can be found at these links:

• Keeping Children Safe in Crashes Video (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)