View 2008 Chevrolet Impala Insurance Quotes

Searching for better insurance rates for your Chevrolet Impala? Locating better insurance prices for a Chevy Impala can normally be a painful process, but you can use a few tricks to save time. There is a better way to compare insurance rates so you’re going to learn the proper way to get price quotes for a new or used Chevy and obtain the lowest possible price from local insurance agents and online providers.

It is always a good idea to do rate comparisons yearly due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the lowest rates on Impala insurance last year other companies may now be cheaper. So just block out anything you think you know about insurance because we’re going to show you the best methods to reduce your cost while increasing coverage.

How to Get Car Insurance

Finding a better price on car insurance is not rocket science. Consumers just need to invest a little time to compare quotes online with multiple companies. This can be accomplished using a couple different methods.

  1. One of the simplest ways consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating separate forms for each company. One form compares rates direct from many companies. It’s the fastest way to compare.
  2. A more time consuming way to get comparison quotes consists of going to the website for every company you want to comare to request a price quote. For instance, we’ll pretend you want rates from GEICO, Allstate and GMAC. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular.

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

  3. The least efficient method to compare rates is to spend time driving to local insurance agencies. Shopping for car insurance online makes this process obsolete unless you require the professional advice of a licensed agent. However, consumers can comparison shop online but buy from a local insurance agent.

It doesn’t matter which method you choose, just make darn sure you compare identical coverage limits and deductibles on every quote. If you use different values for each quote it will be next to impossible to decipher which rate is best.

These discounts can slash insurance rates

Companies offering auto insurance don’t necessarily list every available discount very clearly, so here is a list both the well known and the harder-to-find discounts you could be receiving. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you will save up to 20% off your total premium.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
  • No Charge for an Accident – A few companies allow you one accident without raising rates if you are claim-free for a set time period.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of insurance companies who offer insurance discounts, click here to view.

When might I need the advice of an agent?

When buying adequate coverage, there is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • Is my cargo covered for damage or theft?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I insured when driving a different vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Are rental cars covered under my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is a fancy paint job covered?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Chevy Impala insurance premiums are calculated by many factors

It’s important that you understand the rating factors that go into determining your auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that could result in big savings.

  • High crash test scores lower rates – Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Chevy Impala earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Males pay more for insurance – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Men and women tend to get into accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like reckless driving and DUI.
  • Bump up deductibles to save – Physical damage coverage, also known as collision and other-than-collision, protects your Chevy from damage. Some instances where coverage would apply are a windshield shattered by a rock, damage from fire, and rolling your vehicle. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be on Impala insurance.
  • Where you reside plays a part – Residing in less populated areas is a positive aspect when buying auto insurance. Drivers in populated areas have more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.

Are car insurance companies telling the truth?

Drivers constantly see and hear ads that promise big savings from the likes of State Farm, GEICO and Progressive. They all make an identical promise that you’ll save big after switching your coverage to them.

How can each company say the same thing? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that earns them a profit. For example, a profitable customer could possibly be over the age of 40, a clean driving record, and has excellent credit. A customer that hits that “sweet spot” gets the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for these standards must pay a more expensive rate which leads to business going elsewhere. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. This is how companies can make those claims. This illustrates why drivers should compare many company’s rates. It’s impossible to know the company that will provide you with the cheapest Chevy Impala insurance rates.

Specifics of your car insurance policy

Learning about specific coverages of car insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage – This covers damage to your Impala resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Coverage for liability – This provides protection from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as court costs, legal defense fees and emergency aid. How much coverage you buy is your choice, but you should buy as much as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as funeral costs, ambulance fees and surgery. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane, vandalism and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Impala.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Power to the consumer

People leave their current company for any number of reasons including poor customer service, denial of a claim, policy non-renewal and even delays in paying claims. It doesn’t matter why you want to switch finding a new car insurance company can be easy and end up saving you some money.

You just read many tips how you can reduce 2008 Chevy Impala insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the best prices are with some of the smallest insurance companies.

Cost effective insurance can be bought on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

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