2005 Chevrolet Impala Insurance Rates

Searching for low-cost insurance for a Chevy Impala could be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to find insurance online so we’re going to tell you the quickest way to compare rates for a new or used Chevy and get the cheapest rates.

Consumers need to get comparison quotes occasionally because rates change regularly. Just because you had the lowest rates on Impala coverage on your last policy you may be paying too much now. You’ll find quite a bit of inaccurate information about insurance on the internet, so by reading this article, you’re going to learn the easiest ways to reduce your insurance bill.

Pieces of the Chevy Impala insurance rate puzzle

It’s important that you understand the different types of things that come into play when calculating the rates you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

  • Do you need the policy add-ons? – There are quite a few additional coverages you can purchase on your Impala policy. Coverages for personal injury protection, better glass coverage and term life insurance may be wasting your money. They may seem good when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Multiple policies with one company can save – Some auto insurance companies will give a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare other company rates to verify if the discount is saving money. Drivers may still find better rates by buying auto insurance from a different company.
  • Do you have enough liability coverage? – Liability coverage is the protection in the event that a jury decides you are liable for damages caused by your negligence. It provides legal defense coverage starting from day one. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • High deductibles save money – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Chevy from damage. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and windstorm damage. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Impala coverage.

Finding Insurance

Lowering your 2005 Chevy Impala insurance rates can be surprisingly simple. Just spend a few minutes on the computer comparing price quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The most efficient way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for separate quote forms for every insurance company. Just one form gets you price quotes from several companies. It’s definitely the quickest method.
  • A more difficult way to analyze rates consists of going to each individual company website to complete their respective quote request forms. For example, let’s assume you want comparison quotes from State Farm, 21st Century and Progressive. You would have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  • The hardest way of getting rate comparisons is to drive around to different agent offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the professional guidance that only a license agent can provide. You can, however, find lower rates online and get advice from an agent in your area and we’ll talk about that later.

However you get your quotes, ensure you’re using identical coverage limits for every quote you compare. If the quotes have differing limits then you won’t be able to determine which rate is truly the best.

Save money by taking advantage of these discounts

Companies offering auto insurance don’t always publicize every available discount in an easy-to-find place, so here is a list both well-publicized and the more hidden ways to save on auto insurance. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Bundle and Save – If you have multiple policies with the same company you may earn 10% to 20% off each policy.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on Impala coverage with a few auto insurance companies.
  • Save with a New Car – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Distant Student – Youth drivers who live away from home and do not have a car may qualify for this discount.

It’s important to understand that most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free auto insurance policy, you’re out of luck.

A partial list of companies that may have these money-saving discounts include:

Check with all companies you are considering what discounts are available to you. Savings may not apply everywhere.

When should I use an insurance agent?

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether you may require specific advice.

  • When should I buy a commercial auto policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I really need UM/UIM coverage?
  • Can I afford to buy a different vehicle if my 2005 Chevy Impala is totaled?
  • Am I covered when driving in Canada or Mexico?
  • Does my car insurance cover rental cars?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need an umbrella policy?
  • Does my insurance cover a custom paint job?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your insurance policy

Learning about specific coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Auto liability insurance

This coverage can cover injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as pain and suffering, loss of income, court costs, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2005 Chevy Impala.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, pain medications and EMT expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, theft, damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

Collision 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 claims like damaging your car on a curb, colliding with a tree, crashing into a ditch, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Online plus local equals savings

We’ve covered a lot of techniques to get a better price on 2005 Chevy Impala insurance. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the lowest rates come from a small local company.

Discount insurance is definitely available online and also from your neighborhood agents, and you should be comparing both to have the best selection. There are still a few companies who may not provide online price quotes and these small insurance companies work with independent agents.

Consumers change insurance companies for many reasons like policy cancellation, questionable increases in premium, high rates after DUI convictions or even extreme rates for teen drivers. Whatever your reason, finding a great new company is not as difficult as it may seem.

Additional detailed information can be found at these sites: