2001 Chevrolet Impala Insurance Cost – 7 Tips to Save

Looking for lower car insurance rates for your Chevrolet Impala? If you’re shopping for lower-priced insurance online, are you intimidated by the number of car insurance companies? You have so many companies available that it can really be a difficult challenge to find the best rates.

Buying car insurance is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Although drivers must know the methods companies use to sell online because it can help you find the best coverage.

Cheaper rates by applying these seven discounts

Insuring your vehicles can cost a lot, but there are discounts available that could drop your premiums quite a bit. Most are applied when you get a quote, but less common discounts must be asked about prior to getting the savings.

• Mature Driver Discount – If you’re over the age of 55, you could receive a small discount on rates on Impala insurance.
• Good Student Discount – Getting good grades can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
• ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and the ABS can save up to 10%.
• Paper-free Discount – A handful of insurance coverage companies will provide an incentive for buying your policy on the web.
• Clubs and Organizations – Having an affiliation with a civic or occupational organization could trigger savings when shopping for insurance coverage.
• Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Impala insurance than their less cautious counterparts.
• Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.

A few companies that have some of the discounts shown above may include but are not limited to:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

If you need low cost auto insurance quotes, ask every prospective company to give you their best rates. Some credits may not be offered in your area. To choose insurers that offer multiple discounts, click here.

The quickest method we recommend to get policy rate comparisons is to know most of the larger companies participate in online systems to quote your coverage. The only thing you need to do is provide the companies a bit of rating information like how much education you have, if your license is active, whether you are married, and how much you drive. That information is then submitted to all major companies and you should receive rate quotes almost instantly.

Your insurance coverage should be tailored to you

When choosing coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

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

• What is the minimum liability in my state?
• Is my state a no-fault state?
• Is my 2001 Chevy Impala covered for flood damage?
• Can I afford to pay high deductible claims out of pocket?
• Does my medical payments coverage pay my health insurance deductible?
• Is my Chevy Impala covered if I use it for business?
• Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like hospital visits, doctor visits and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to 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

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, vandalism and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Impala.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for collisions

Collision coverage covers damage to your Impala resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, scraping a guard rail, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. 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 injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as attorney fees, bail bonds and pain and suffering. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Feed the piggy bank

Low-cost 2001 Chevy Impala insurance is attainable on the web and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not have rates over the internet and usually these small, regional companies prefer to sell through independent insurance agents.

Consumers leave their current company for any number of reasons including delays in paying claims, high rates after DUI convictions, an unsatisfactory settlement offer and even being labeled a high risk driver. It doesn’t matter what your reason, switching companies can be easier than you think.

Throughout this article, we presented a lot of techniques to compare 2001 Chevy Impala insurance prices online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding the cheapest auto insurance. You may even find the biggest savings come from an unexpected company.

Even more information can be found by following these links:

• Keeping Children Safe in Crashes Video (iihs.org)
• Cellphones, Texting and Driving (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Information for Teen Drivers (Geico)
• How to Avoid Staged Accidents (State Farm)