Lower Your 2006 Chevrolet Impala Insurance Rates

Finding affordable insurance is always nearly impossible for consumers not familiar with shopping for insurance online. People have so many options available that it can turn into a real challenge to find lower rates.

It’s important to compare rates once or twice a year because prices fluctuate regularly. Despite the fact that you may have had the best deal for Impala insurance a year ago you will most likely find a better rate today. Forget all the misinformation about insurance because we’re going to demonstrate one of the best ways to get good coverage at a lower rate.

Elements that influence Chevy Impala insurance rates

It’s important that you understand the rating factors that play a part in calculating the price you pay for auto insurance. Knowing what influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

Shown below are a few of the “ingredients” companies use to determine rates.

  • Being married is a good thing – Getting married actually saves money on auto insurance. It means you’re more responsible and statistics show married couples file fewer claims.
  • Mature drivers pay less – Young drivers have a tendency to be careless and easily distracted when behind the wheel so auto insurance rates are higher. Older insureds are more cautious drivers, tend to file fewer claims and receive fewer citations.
  • Where do you drive? – The higher the mileage driven every year the higher your rates will be. The majority of insurers rate vehicles based on their usage. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. An improperly rated Impala may be costing you. Double check that your auto insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Never let your coverage lapse – Driving with no insurance is against the law and your next policy will cost more because you let your coverage lapse. Not only will you pay more, failure to provide proof of insurance can result in a steep fine or even jail time.
  • Your car’s features help determine rates – Driving a car with an alarm system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • High numbers of claims are not good – Insurance companies provide discounts to insureds who file claims infrequently. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.

The fastest way that we advise to get policy rate comparisons utilizes the fact car insurance companies actually pay money for the chance to give free rates quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information including if you are currently licensed, how much school you completed, distance driven, and the make and model of your vehicles. That rating information is instantly provided to insurance carriers in your area and they respond with quotes almost instantly.

To start a rate quote now, click here and see if a lower rate is available.

Are you falling for claims of savings?

Auto insurance providers like Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. They all have a common claim that you’ll save big if you switch your coverage to them. How does each company claim to save you money?

All the different companies are able to cherry pick for the type of customer they prefer to insure. An example of a preferred risk might be profiled as a mature driver, a clean driving record, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” receives the best rates and as a result will probably save when switching.

Consumers who do not match these standards will have to pay higher prices which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “people who quote” save money. That is how insurance companies can make the claims of big savings.

Because of the profiling, you absolutely need to get as many quotes as possible. It’s not possible to predict which company will provide you with the cheapest Chevy Impala insurance rates.

Companies offer discounts so take them!

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Some trigger automatically at the time you complete a quote, but less common discounts must be asked about before you get the savings.

  • No Claims – Good drivers with no accidents pay less when compared with frequent claim filers.
  • Multi-car Discount – Having more than one vehicle on the same car insurance policy could earn a price break for each car.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for Impala insurance with select insurance companies.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy over the internet.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, you’re out of luck. But all discounts will help reduce your overall premium however.

To see a list of insurers with discount car insurance rates, click here to view.

Do I just need basic coverages?

When it comes to choosing the best insurance coverage coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

  • What are the financial responsibility laws in my state?
  • Is my dog or cat covered if injured in an accident?
  • Where can I get insurance after a DUI in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my insurance cover my expensive audio equipment?
  • Should I have a commercial auto policy?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.

Auto insurance coverage breakdown

Knowing the specifics of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like pain medications, EMT expenses, funeral costs and nursing services. 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 being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chevy Impala.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Collision protection

This coverage will pay to fix damage to your Impala resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Auto liability insurance

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as structural damage, attorney fees, medical services, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Shop around and save

As you prepare to switch companies, never reduce coverage to reduce premium. There are too many instances where someone dropped physical damage coverage and learned later that it was a big error on their part. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.

Cheap 2006 Chevy Impala insurance can be sourced both online as well as from independent agentsinsurance , so you should be comparing quotes from both to have the best rate selection. Some insurance providers don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Consumers leave their current company for a number of reasons such as unfair underwriting practices, policy cancellation, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

For more information, feel free to browse the articles below: