1994 Chevrolet Impala Car Insurance Rates – 5 Tips for Best Quotes

Looking for cheaper car insurance rates for your Chevrolet Impala? Finding and buying car insurance is not really something drivers appreciate, but unfortunately it’s required before you can legally be on the road.

You should make it a habit to check car insurance prices every six months due to the fact that insurance rates go up and down regularly. Just because you had the lowest rates on Impala coverage a couple years back the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use online quotes to find great coverage at a great price.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. But drivers do need to learn the way companies sell insurance online because it can help you find the best coverage.

Discounts are great for lower rates

Auto insurance companies do not list all available discounts very well, so we break down some of the best known and the harder-to-find ways to save on insurance.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Organization Discounts – Being a member of a qualifying organization could trigger savings on insurance on Impala coverage.
  • Homeowners Discount – Being a homeowner may trigger a insurance policy discount because owning a home shows financial diligence.
  • No Claims – Claim-free drivers can earn big discounts when compared to frequent claim filers.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.

Keep in mind that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates you can get free auto insurance, you won’t be that lucky.

For a list of providers offering insurance discounts, click here.

You may need specialized coverage

When it comes to choosing the best auto insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine whether your personal situation could use an agent’s help.

  • When can my company non-renew my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • What is covered by UM/UIM coverage?
  • What happens if I owe more than my 1994 Chevy Impala is worth?
  • When should my teen driver be added to my policy?
  • How do I file an SR-22 for a DUI in my state?
  • What are the financial responsibility laws in my state?
  • How much liability coverage do I need in my state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Impala.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage will cover damage that occurs to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like structural damage, medical services and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for rehabilitation expenses, surgery, X-ray expenses, pain medications and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from flooding, vandalism and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

In any little way, save everyday

Lower-priced 1994 Chevy Impala insurance can be found from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and these small insurance companies work with independent agents.

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, an insured cut liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the best price.

Throughout this article, we presented a lot of tips how to reduce insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from an unexpected company.

Additional information is located on the following sites: