1996 Chevrolet Impala Insurance Cost

Are you a victim of an overpriced car insurance policy? Trust us, there are lots of people in the same boat.

There are many auto insurance companies to choose from, and though it is a good thing to have multiple companies, so many choices can make it hard to compare rates.

The purpose of this post is to tell you the most effective way to quote insurance and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Although vehicle owners must comprehend how the larger insurance companies market on the web and take advantage of how the system works.

Finding Insurance

When shopping for insurance there are multiple ways to compare rate quotes and find the best price. The easiest way by far to find the cheapest 1996 Chevy Impala insurance rates consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

  1. The easiest and least time consuming way to get quotes is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing boring form submissions for each company. One form submission gets you price quotes from all major companies.
  2. A more difficult way to get comparison quotes is to take the time to go to each individual company website to request a price quote. For examples sake, let’s assume you want rates from State Farm, Safeco and Liberty Mutual. To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The least recommended method to get comparison rates is to drive around to different agent offices. The internet eliminates the need for an insurance agent unless you want the personal advice only provided by licensed agents. Drivers can obtain prices from the web but still have the advice of a local agent.

It’s up to you which method you use, but ensure you are comparing the exact same coverages for every company. If you have higher or lower deductibles then you won’t be able to determine the best price for your Chevy Impala. Quoting even small variations in limits can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies provides better odds of finding the best offered rates.

Do you really save 40% when you switch?

Car insurance providers like State Farm and Allstate constantly bombard you with ads on TV and radio. They all say the same thing about savings if you switch your policy. How can each company say the same thing? It’s all in the numbers.

All companies are able to cherry pick for the right customer that earns them a profit. A good example of a preferred risk might be profiled as between 25 and 40, a clean driving record, and has excellent credit. Any new insured who fits that profile receives the best rates and as a result will probably save when switching.

Drivers who don’t meet the requirements must pay higher rates which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” save money. That’s the way companies can make the claims of big savings.

This illustrates why you need to get as many quotes as possible. You cannot predict which company will give you the biggest savings on Chevy Impala insurance.

Discounts can save BIG

Insurance can cost an arm and a leg, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up digitally online.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • No Claims – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will reduce the cost of coverage.

Companies that possibly offer these benefits include:

Double check with each insurance company which discounts they offer. Some discounts might not be offered in your area.

Will just any policy work for me?

When choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help you determine if you might need professional guidance.

  • Where can I find high-risk insurance?
  • When should I drop full coverage on my 1996 Chevy Impala?
  • Does my car insurance cover rental cars?
  • Does my insurance cover my expensive audio equipment?
  • Does having multiple vehicles earn me a discount?
  • Will filing a claim cost me more?
  • What is PIP insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverages

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on most auto insurance policies.

Liability auto insurance

This coverage can cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as attorney fees, structural damage, pain and suffering, medical expenses and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, hitting a parking meter, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses like doctor visits, prosthetic devices and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Impala.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive insurance

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, hitting a deer and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In the end, you save

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Low-cost 1996 Chevy Impala insurance can be found on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We just presented quite a bit of information on how to save on insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the best price on insurance coverage is with some of the lesser-known companies. Regional companies often have lower prices on specific markets as compared to the big name companies such as Progressive or Geico.

To learn more, take a look at the resources below: