Lower Your 2008 Chevrolet Impala Insurance Cost

Are you overwhelmed by the dozens of insurance coverage choices? You have a lot of company. Drivers have so many options available that it can turn into a ton of work to find the best price.

You need to price shop coverage periodically because prices are constantly changing. Just because you had the best deal on Impala insurance last year other companies may now be cheaper. There is too much inaccurate information about insurance coverage on the web, but we’re going to give you a lot of great tips on how to save money.

If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Finding the cheapest protection is not that difficult. Nevertheless, car owners should learn how big insurance companies market insurance on the web.

Save with discounts on Chevy Impala insurance

Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be requested specifically before being credited.

  • Own a Home – Owning a house may earn you a small savings because maintaining a house shows financial diligence.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Impala insurance.
  • Memberships – Affiliation with a qualifying organization could trigger savings on auto insurance on Impala insurance.
  • Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Accident Forgiveness – A few companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • Air Bag Discount – Factory air bags can receive discounts of more than 20%.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will cut the amount you have to pay.

For a list of insurance companies with the best auto insurance discounts, click this link.

Compare the Market for Car Insurance

Shopping for lower car insurance rates can be a lot of work if you don’t know the most efficient way. You can waste hours driving to agents in your area, or you could use online quoting for quick rates.

Many companies take part in a program that allows shoppers to enter their coverage request one time, and each company provides a quote based on that information. This system prevents you from having to do quote forms for every car insurance company.

To access this free quoting program, click to open in new window.

One minor caviat to using this type of system is you cannot specify which companies you want pricing from. If you would rather choose specific providers to request quotes from, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare apples-to-apples coverage limits for each comparison quote. If you have different values for each quote it will be next to impossible to determine the best price for your Chevy Impala. Just a small difference in insurance coverages may cause a big price difference. Just remember that comparing a large number of companies will enable you to find the best offered rates.

Chevy Impala rates influenced by many factors

Smart consumers have a good feel for some of the elements that play a part in calculating your car insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with lower car insurance prices.

  • Small claims can cost you – Companies provide lower rates to drivers who are claim-free. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for larger claims.
  • Do you work long hours in a high stress job? – Jobs such as lawyers, executives and stock brokers tend to pay the highest rates due to high stress levels and lengthy work days. On the other hand, occupations such as scientists, students and the unemployed have the lowest average rates on Impala insurance.
  • Cautious drivers pay less – Your driving citation history has a huge affect on how much you pay. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Just one speeding ticket can bump up the cost forty percent or more. Drivers who have severe citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Your credit rating is important – A driver’s credit rating is a important factor in determining what you pay for car insurance. People with high credit ratings tend to be more responsible than drivers with poor credit. Therefore, if your credit can use some improvement, you could potentially save money when insuring your 2008 Chevrolet Impala by improving your rating.
  • Women pay lower rates – Statistics have proven that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women are in accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
  • Special features that cut premiums – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • No coverage gaps is important – Letting your insurance expire is a quick way to bump up your car insurance costs. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.You may need to file a SR-22 with your state DMV.
  • Your age impacts your rates – Older insureds are more responsible, tend to file fewer claims and are safer drivers. Teenage drivers have a tendency to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.

Tailor your coverage to you

When it comes to choosing coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • When does my teenage driver need to be added to my policy?
  • Do I benefit by insuring my home with the same company?
  • Why am I required to get a high-risk car insurance policy?
  • Is my trailer covered?
  • Is a fancy paint job covered?
  • Should I put collision coverage on all my vehicles?
  • How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Car insurance coverage information

Understanding the coverages of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Impala.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, fire damage and hail damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for pain medications, funeral costs, chiropractic care, X-ray expenses and surgery. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability – This coverage can cover damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as emergency aid, attorney fees, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, colliding with a tree and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Saving money makes a lot of cents

Cost effective 2008 Chevy Impala insurance is possible from both online companies in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where someone dropped uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

People who switch companies do it for many reasons like not issuing a premium refund, poor customer service, an unsatisfactory settlement offer or unfair underwriting practices. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

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