Cheaper 1994 Chevrolet Impala Insurance Rates

Sick and tired of scraping the payment together each month for car insurance? You are no different than many other drivers.

Since consumers have many companies and agents to choose from, it can be impossible to pick the best company.

It’s a good habit to price shop coverage occasionally because insurance rates are constantly changing. Even if you got the best deal on Impala insurance last year there may be better deals available now. There is too much inaccurate information about auto insurance online but we’re going to give you a bunch of ideas how to slash your auto insurance rates.

Compare Insurance Costs

When shopping for insurance there are multiple ways to compare rate quotes from different insurance companies. The best method to compare 1994 Chevy Impala insurance prices is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the simplest ways consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing multiple quote forms for each company. In just a few minutes this one form gets you price quotes direct from many companies.
  2. A less efficient way to shop for insurance online is to manually visit the website for each individual company to complete their respective quote request forms. For example, let’s say you want rates from Farmers, State Farm and GMAC. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but compare apples-to-apples information for each comparison quote. If your comparisons have unequal deductibles or liability limits it’s not possible to determine which rate is truly the best. Just a small difference in insurance coverages may result in large price differences. Just remember that obtaining a wide range of quotes helps you find the best price.

Beware of misleading auto insurance ads

Companies like Progressive, Geico, Allstate and State Farm continually stream television and radio advertisements. All the ads have a common claim about savings after switching your policy. How do they all make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of customer that earns them a profit. An example of a preferred risk might be profiled as a mature driver, owns a home, and drives newer vehicles. Any driver who meets those qualifications will get very good rates and is almost guaranteed to save when they switch companies.

Consumers who don’t qualify for this ideal profile will be quoted more money which leads to business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that kind of money. That is how companies can advertise the savings.

This emphasizes why drivers must compare many company’s rates. Because you never know the company that will fit your personal profile best.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but some must be requested specifically before you will receive the discount.

  • New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Accident Waiver – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Drivers Education – Require your teen driver to take driver’s ed class in school.
  • Organization Discounts – Participating in certain professional organizations could qualify you for a break when buying auto insurance on Impala insurance.
  • Multi-car Discount – Insuring more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like you could get a free auto insurance policy, it doesn’t quite work that way. Any qualifying discounts will reduce your overall premium however.

Car insurance companies who might offer some of the above discounts include:

Before buying, ask each company which discounts they offer. Discounts may not be available everywhere.

There’s no such thing as the perfect policy

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can aid in determining whether or not you might need professional guidance.

  • Can I still get insurance after a DUI?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are split liability limits better than a combined single limit?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is pleasure use cheaper than using my 1994 Chevy Impala to commute?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Detailed coverages of your auto insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages offered by auto insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills like chiropractic care, EMT expenses, doctor visits, ambulance fees and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

This can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Impala.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, vandalism, damage from flooding, hitting a deer and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This covers damage to your Impala resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Do the work, save more money

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where someone dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

We just presented many ways to lower your 1994 Chevy Impala insurance rates. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the biggest savings come from the least-expected company. They may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

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