View 1996 Chevrolet Impala Insurance Rates

Trying to find cheaper car insurance rates for your Chevrolet Impala? There isn’t anyone who anticipates paying for car insurance, particularly when they could find better prices if they shop around. Many auto insurance companies vie to insure your vehicles, so it’s not easy to compare every insurance company and uncover the absolute cheapest price

Cheapest insurance quotes

There are multiple methods to shop for insurance, but one way is less time-consuming than others. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could use online quoting to achieve your goal.

The majority of car insurance companies belong to an insurance system that allows shoppers to send in one quote, and every company returns a rated price based on that data. This prevents consumers from doing quotation requests for each company you want a rate for. To compare rates now click to open in new window.

The only downside to using this type of form is you can’t choose which insurance companies you will receive quotes from. If you prefer to choose individual companies to receive pricing from, we have a listing of the cheapest insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just be certain you are entering nearly identical coverage limits for each quote you get. If you are comparing higher or lower deductibles it’s not possible to determine the lowest rate for your Chevy Impala.

Lower-cost insurance coverage quotes with discounts

Insurance coverage is easily one of your largest bills, but you may find discounts to help offset the cost. A few discounts will be applied when you complete an application, but a few need to be requested specifically in order for you to get them.

  • Telematics Data Discounts – Drivers that enable driving data submission to analyze driving patterns by using a telematics device like Allstate’s Drivewise could possibly reduce rates if they are good drivers.
  • Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen so companies will give you a small discount.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
  • 55 and Retired – Drivers that qualify as senior citizens can get better insurance coverage rates for Impala coverage.
  • Claim Free – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote when compared to insureds who have frequent claims or accidents.
  • Switch and Save Discount – Some insurance coverage companies reward drivers for renewing your policy before your current coverage expires. It can save you around 10%.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up before driving could save 15% off the PIP or medical payment premium.
  • Low Miles Discount – Driving less may enable drivers to earn cheaper prices.
  • Waiver for an Accident – Not necessarily a discount, but companies like Allstate and Progressive will forgive one accident without the usual rate increase if you have no claims for a specific time period.

Just know that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, it’s just not the way it works.

The best insurance coverage companies and their possible discounts are detailed below.

  • State Farm has savings for student away at school, multiple autos, Drive Safe & Save, accident-free, and passive restraint.
  • Farmers Insurance offers discounts including homeowner, youthful driver, distant student, early shopping, and good student.
  • Progressive may offer discounts for online quote discount, online signing, multi-vehicle, homeowner, and continuous coverage.
  • Geico offers premium reductions for emergency military deployment, seat belt use, membership and employees, five-year accident-free, and air bags.
  • Auto-Owners Insurance offers discounts for paperless, mature driver, safe driver, anti-lock brakes, multiple vehicles, and multi-policy.
  • The Hartford discounts include driver training, anti-theft, air bag, vehicle fuel type, bundle, defensive driver, and good student.
  • Farm Bureau may include discounts for 55 and retired, good student, youthful driver, driver training, and safe driver.
  • USAA policyholders can earn discounts including loyalty savings, family discount, vehicle storage, new vehicle, military installation, good student, and multi-vehicle.

Double check with all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your state. To choose insurance companies who offer cheap insurance coverage quotes, click here to view.

Seven things that affect your insurance premiums

Many different elements are used when you get your auto insurance bill. Some are obvious like your driving record, although some other factors are not quite as obvious such as whether you are married and annual miles driven.

  • Filing insurance claims can increase rates – Companies give the lowest premiums to policyholders who are not frequent claim filers. If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended for larger claims.
  • Always keep your policy in force – Having a lapse in insurance coverage is a sure-fire way to trigger a rate increase. In addition to paying higher premiums, failure to provide proof of insurance might get you a fine, jail time, or a revoked license.
  • Commute or pleasure use – Driving a lot of miles in a year’s time the more you’ll pay to insure it. Many insurance companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks used primarily for pleasure use cost less to insure as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Impala can result in significantly higher rates. Verify your policy correctly shows the correct usage for each vehicle, because it can save money.
  • Pay less with a high IIHS safety rating – Vehicles with good safety scores get lower rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries means less money paid by your insurance company which can mean better rates for you. If your Chevy scored better than 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.
  • How old are your drivers? – Youthful drivers are statistically shown to be less responsible when behind the wheel so auto insurance rates are higher. Older insureds are more cautious drivers, file fewer claims and get fewer tickets.
  • Your location is a factor – Residing in small towns and rural areas can save you money when trying to find low car insurance rates. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims. City drivers regularly have traffic congestion and more time behind the wheel. Spending more time driving can result in more accidents.
  • How much liability – The liability section of your policy is the protection in the event that you are determined to be liable for damages caused by your negligence. It provides for a legal defense starting from day one. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique so this has to be addressed. For example, these questions can aid in determining if you might need professional guidance.

  • Is my 1996 Chevy Impala covered for smoke damage?
  • Should I buy additional glass protection?
  • How do I file an SR-22 for a DUI in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • What can I do if my company won’t pay a claim?
  • Am I covered when using my vehicle for business?
  • How high should deductibles be on a 1996 Chevy Impala?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and may give you better protection.

Do you really save 40% when you switch?

Consumers can’t escape the ads for insurance coverage savings by companies like Progressive, Allstate and Geico. They all say the same thing about how much you will save if you move to them.

How is it plausible that every one can sell you cheaper insurance coverage? It’s all in how they say it.

Many companies have specific characteristics for the type of customer that will not have excessive claims. One example of a profitable customer may need to be over the age of 35, has no tickets, and drives a lower-performance vehicle. Any driver who meets those qualifications will get a cheap rate quote and therefore will save when switching.

Potential customers who do not match those standards will probably have to pay a higher rate and ends up with business not being written. The ad wording is “people who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently advertise the savings.

Different companies use different criteria so you really should compare rate quotes every year. It is just not possible to predict which company will have better prices than you’re paying now.

Detailed coverages of your car insurance policy

Having a good grasp of your policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a bird, fire damage, damage from getting keyed and damage from flooding. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for chiropractic care, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liablity limits.

Auto liability

Liability coverage protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, court costs, bail bonds and attorney fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Don’t be a big spender

In this article, we covered many ways to compare 1996 Chevy Impala insurance prices online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best prices are with a small mutual company. These companies often have lower rates on specific markets than the large multi-state companies such as Allstate, Geico and Progressive.

When shopping online for auto insurance, don’t be tempted to reduce needed coverages to save money. There are many occasions where someone dropped uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at the best cost but still have enough coverage for asset protection.

Additional auto insurance information is located on the following sites: