2002 Chevrolet Impala Insurance Quotes – 6 Policy Discounts

If you’ve never shopped for insurance coverage quotes online, most likely you are confused thanks to all the different types of insurance providers all claiming to have the lowest rates.

It’s a good habit to shop coverage around every six months because rates tend to go up over time. If you had the lowest premium rates for Impala coverage at your last renewal other companies may now be cheaper. There is a lot of bad information regarding auto insurance out there, but in this article, you’re going to get the easiest ways to find affordable auto insurance.

Lower rate quotes with these six discounts

Car insurance is not cheap, but you may be missing some discounts that you may not even know about. Some of these disounts will be visible when you get a quote, but some discounts are required to be asked about before you get the savings.

  • Driver Training Discounts – Passing a driver safety class could possibly earn you a 5% discount and also improve your driving technique.
  • Discounts for Responsible Drivers – Insureds without accidents can save up to 40% or more on their insurance coverage quote for Impala coverage than drivers with accidents.
  • Passive Restraints and Air Bags – Factory options such as air bags can receive discounts as much as 30%.
  • Active Service Discounts – Having an actively deployed family member could be rewarded with lower premium rates.
  • Fewer Miles Equal More Savings – Low annual miles could be rewarded with lower premium rates on the low mileage vehicles.
  • Bundled Policy Discount – If you can bundle your auto and home insurance with the same company you may earn up to 20% off your total premium.

As a sidenote, most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will bring down your policy cost.

A partial list of companies that possibly offer many of the previously listed discounts possibly include:

It’s a good idea to ask all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies everywhere.

Finding auto insurance

Most major insurance companies give price estimates direct online. Getting quotes is fairly simple as you just enter your coverage preferences on the page. When complete, their rating system gets credit information and your driving record and returns a price quote based on the data you entered.

Online quotes makes it simple to compare prices but the time it takes to visit many different websites and enter the same data into a form can be a bit repetitive. But it’s very important to get many rate quotes if you are searching for lower prices.

The better way to compare rates

An easier way to locate the lowest prices utilizes a single form that gets price quotes from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes comparison shopping much easier to do. As soon as you send your information, it gets priced and you are able to buy any of the resulting price quotes. If you find a better price it’s easy to complete the application and buy the policy. The whole process only takes a few minutes and can result in significant savings.

To find out if lower rates are available, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend you input the limits and deductibles as shown on your current policy. Doing this assures you are getting a fair comparison based on similar coverages.

What is the best insurance coverage?

When it comes to buying the best insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different.

For example, these questions might help in determining if you would benefit from an agent’s advice.

  • Is pleasure use cheaper than using my 2002 Chevy Impala to commute?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is extra glass coverage worth it?
  • Does my insurance cover a custom paint job?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I carry comprehensive and collision coverage?
  • Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

The largest companies are not always cheapest

Respected companies like Geico, State Farm and Progressive constantly bombard you with ads on TV and radio. All the ads advertise claims about how much you will save if you move your coverage to them. How do they all charge you a lower premium? It’s all in the numbers.

Different companies require specific criteria for a prospective insured that is profitable for them. A good example of a profitable risk profile might be a married female, carries high limits, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” receive the lowest rate quotes and have a good chance to save if they switch.

Potential insureds who may not quite match this ideal profile will get higher prices and the customer not buying. The wording the ads use say “people that switch” but not “all drivers who get quotes” save that kind of money. This is how companies can truthfully lure you into getting a quote. Different companies use different criteria so you really should do a rate comparison at every renewal. Because without a comparison, you cannot know which insurance companies will have the best rates for your profile.

Auto insurance 101

Having a good grasp of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Collision – This coverage will pay to fix damage to your Impala caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, scraping a guard rail, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, attorney fees and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses for pain medications, doctor visits and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, a tree branch falling on your vehicle, falling objects, vandalism and theft. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Shop Smart and Save

People change insurance companies for a number of reasons such as poor customer service, an unsatisfactory settlement offer, policy cancellation or even high rates after DUI convictions. Regardless of your reason, finding a new company is less work than it seems.

We’ve covered quite a bit of information on how to compare 2002 Chevy Impala insurance auto insurance rates online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest auto insurance rates are with some of the smallest insurance companies.

The cheapest 2002 Chevy Impala insurance can be bought from both online companies in addition to local insurance agencies, so you need to shop insurance coverage with both in order to have the best price selection to choose from. Some companies don’t offer online rate quotes and usually these smaller providers work with independent agents.

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