2000 Chevrolet Impala Insurance Quotes

Looking for lower insurance rates for your Chevrolet Impala? Pretty sure you bought an expensive insurance policy? It’s quite common and many consumers are in the same pinch.

There are many insurance companies to pick from, and though it is a good thing to have multiple companies, more choices can make it harder to find the best rates for your vehicles.

How do insurance providers determine Chevy Impala insurance rates?

When buying car insurance it’s important to understand some of the things that are used to determine your premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that can earn you cheaper rates.

  • High physical damage deductibles lower rates – Physical damage deductibles define the amount you are willing to pay if the claim is covered. Physical damage coverage, aka comp and collision, protects your car from damage. Some coverage claims are rearending another vehicle, fire damage, and having a roll-over accident. The more money you choose to pay out-of-pocket, the bigger discount you will receive on Impala coverage.
  • Always keep your car insurance policy in place – Having a lapse in insurance coverage is a guaranteed way to drive up your policy premiums. In addition to paying higher rates, failure to provide proof of insurance may result in a revoked license or a big fine. You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Accidents inflate premiums – Your driving record has a big impact on rates. Getting just one moving violation can bump up the cost twenty percent or more. Careful drivers get better prices than their less careful counterparts. Drivers with multiple tickets such as DUI or reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state in order to continue driving.
  • Do you work long hours in a demanding occupation? – Jobs such as fire fightersairline pilots and emergency personnel tend to have the highest average rates attributed to high stress levels and incredibly demanding work hours. Other jobs such as farmers, students and performers generally pay rates lower than average on Impala coverage.
  • You may save more by consolidating policies – Most car insurance companies afford better rates to people who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount you may still want to compare other insurance prices to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.

Lower-cost auto insurance rates with discounts

Auto insurance is neither fun to buy or cheap, but you might already qualify for some discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but some discounts are required to be specifically requested before you will receive the discount.

  • Discount for Life Insurance – Some insurance companies give better rates if you take out a life policy as well.
  • Driver Education Discount – Have your child enroll and complete driver’s education in school.
  • Mature Driver Discount – Mature drivers may qualify for better auto insurance rates on Impala coverage.
  • Discount for New Cars – Insuring a vehicle that is new may earn a small discount because new model year vehicles keep occupants safer.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft so companies will give you a small discount.
  • Multi-Vehicle Discounts – Buying coverage for multiple cars on one policy can reduce the rates for all insured vehicles.
  • Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of as much as 10 to 15 percent.

As a footnote on discounts, most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride.

Large auto insurance companies and a selection of discounts are outlined below.

  • Farm Bureau has discounts for renewal discount, safe driver, good student, driver training, and multi-policy.
  • State Farm may have discounts that include passive restraint, student away at school, driver’s education, anti-theft, and defensive driving training.
  • Progressive includes discounts for multi-vehicle, good student, homeowner, online quote discount, and continuous coverage.
  • Allstate may include discounts for FullPay discount, good payer, early signing, resident student, anti-theft, senior citizen, and safe driver.
  • Nationwide may offer discounts for good student, defensive driving, family plan, multi-policy, business or organization, easy pay, and anti-theft.
  • MetLife offers discounts including good driver, accident-free, claim-free, multi-policy, and good student.

Before purchasing a policy, check with every insurance company which discounts can lower your rates. Some credits might not be offered in your state. For a list of providers that can offer you the previously mentioned discounts, click here.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different so this has to be addressed. For example, these questions might help in determining if your situation would benefit from professional advice.

  • Is my nanny covered when driving my vehicle?
  • Is business equipment covered while in my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Can my teen driver be rated on a liability-only vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for nursing services, rehabilitation expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision coverage covers damage to your Impala from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, rolling your car, sideswiping another vehicle, driving through your garage door and hitting a mailbox. 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 increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 2000 Chevy Impala.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, a tree branch falling on your vehicle, theft, hitting a bird and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability coverage protects you from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like funeral expenses, legal defense fees, repair bills for other people’s vehicles, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Keep this in mind

In this article, we covered a lot of ways to lower your 2000 Chevy Impala insurance prices. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the best price on car insurance is with a small mutual company. They can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

Low-cost 2000 Chevy Impala insurance can be found both online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not have the ability to get quotes online and many times these smaller providers only sell coverage through independent agents.

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