Cheap 2000 Chevrolet Impala Car Insurance Rates

Looking for better auto insurance rates for your Chevrolet Impala? Paying for expensive Chevrolet Impala insurance can overdraw your checking account and force you to make sacrifices. Performing a price comparison can help to cut your insurance bill.

Many car insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurers and get the definite best price available.

Pay discount rates these premium-slashing discounts

Companies don’t list every possible discount very well, so the following list contains some of the more common and also the more inconspicuous credits that may apply to you. If you’re not getting every credit possible, you could be getting lower rates.

• ABS and Traction Control Discounts – Cars that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
• Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Good Grades Discount – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
• Senior Citizen Discount – Seniors may qualify for lower premium rates for Impala coverage.
• Data Collection Discounts – Drivers who agree to allow their insurance company to study driving manner by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease as long as they are good drivers.
• E-sign Discounts – Certain companies may give you up to $50 for completing your application digitally online.
• Military Deployment Discount – Being on active duty in the military can result in better rates.
• Discounts for Government Workers – Active or retired federal employment can save as much as 8% for Impala coverage with some insurance coverage companies.
• Own a Home and Save – Owning a house can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.

Just know that most discounts do not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, you’re out of luck. But all discounts should definitely cut your policy premium.

A few of the larger companies and a partial list of their discounts include:

• Travelers offers discounts including IntelliDrive, good student, driver training, student away at school, payment discounts, early quote, and hybrid/electric vehicle.
• 21st Century policyholders can earn discounts including driver training, homeowners, early bird, anti-lock brakes, air bags, theft prevention, and student driver.
• State Farm discounts include multiple policy, anti-theft, student away at school, passive restraint, good driver, and Drive Safe & Save.
• Geico may have discounts that include multi-vehicle, multi-policy, defensive driver, emergency military deployment, and air bags.
• SAFECO offers discounts for multi-car, anti-lock brakes, teen safety rewards, bundle discounts, homeowner, accident prevention training, and anti-theft.
• AAA includes discounts for pay-in-full, multi-policy, anti-theft, multi-car, AAA membership discount, good driver, and education and occupation.

If you want affordable car insurance quotes, ask each company how you can save money. Savings might not apply in your area. If you would like to see a list of insurance companies that offer many of these discounts, click here.

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Compare quotes for auto insurance

There are a lot of ways to shop for auto insurance, and some are easier and takes less work. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize the web to get prices fast.

Most major companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company provides a quote based on that data. This saves time by eliminating form submissions for each company you want a rate for.

To get comparison pricing now click to open in new window.

The one disadvantage to pricing coverage this way is you cannot specify the providers to receive prices from. So if you want to choose specific insurance companies to compare rates, we put together a list of companies who write auto insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just be sure you’re using apples-to-apples information for each quote you get. If the quotes have different liability limits you will not be able to make a fair rate comparison. Slightly different coverages could mean much higher rates. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting lower pricing.

Do I need special coverages?

When buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you might need an agent’s assistance.

• Am I covered when driving a rental car?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• When should I drop full coverage on my 2000 Chevy Impala?
• Do I need medical payments coverage since I have good health insurance?
• Is my nanny covered when driving my vehicle?
• Does my insurance cover my expensive audio equipment?
• What is covered by UM/UIM coverage?
• Is my teen driver covered when they drive my company car?
• Are rental cars covered under my policy?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance policy specifics

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Collision – This will pay to fix damage to your Impala caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, backing into a parked car, hitting a parking meter, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability coverages – This coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means 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. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, loss of income, legal defense fees and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from flooding and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy Impala.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Medical costs insurance – Med pay and PIP coverage pay for expenses for pain medications, hospital visits, ambulance fees, chiropractic care and X-ray expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

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You can do this!

Lower-priced 2000 Chevy Impala insurance can be purchased online and with local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies do not offer online price quotes and most of the time these smaller companies work with independent agents.

We just showed you quite a bit of information on how to compare 2000 Chevy Impala insurance auto insurance rates online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the best auto insurance rates are with a company that doesn’t do a lot of advertising. They may have significantly lower premium rates on certain market segments than their larger competitors like State Farm, Geico and Nationwide.

More learning opportunities

• Event Data Recorders FAQ (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• A Tree Fell on Your Car: Now What? (Allstate)

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