2004 Chevrolet Impala Insurance Rates – 6 Policy Discounts

Looking for better auto insurance rates for your Chevrolet Impala? Finding the cheapest auto insurance over the internet can be challenging for consumers new to comparing rates online. With so many companies competing online, how can drivers have a chance to compare every one to find the best price?

Locating the cheapest coverage is quite easy. Just about everyone who has to buy auto insurance most likely will be able to find better rates. Nevertheless, vehicle owners must know the way insurance companies compete online and take advantage of how the system works.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but discounts can save money and there are some available to cut the cost considerably. Some trigger automatically when you quote, but a few must be inquired about prior to receiving the credit.

  • Driver Safety – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Impala coverage than their less cautious counterparts.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.

As a disclaimer on discounts, most credits do not apply the the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will reduce the cost of coverage.

For a list of companies with discount insurance coverage rates, follow this link.

Compare Quotes for Car Insurance

Most major insurance companies like 21st Century, Allstate and State Farm give coverage price quotes on their websites. Getting online rates is fairly simple as you just enter your personal and coverage information into the quote form. Once entered, the company’s rating system gets your driving record and credit report and generates a price determined by many factors.

Being able to quote online makes comparing rates easy, but the process of having to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to do this in order to get a lower rate.

There is an easier way!

A less time-consuming method to get multiple rate quotes makes use of a single form to return rates from a lot of companies. This type of form saves time, requires less work, and makes rate comparisons much more enjoyable. As soon as you send your information, it is quoted with multiple companies and you can pick any of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The entire process just takes a couple of minutes and may result in a nice savings.

To save time and compare pricing, simply click here to open in new window and submit the form. To compare your current rates, we recommend you input your coverages as close as possible to your current policy. This helps ensure you’re receiving rate comparison quotes for the exact same coverage.

When might I need an agent?

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

For example, these questions can help discover if your situation might need professional guidance.

  • I have a DUI can I still get coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when driving in Canada or Mexico?
  • Can I rent a car in Mexico?
  • When should I remove comp and collision on my 2004 Chevy Impala?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Educate yourself about car insurance coverages

Learning about specific coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for surgery, EMT expenses, nursing services and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Liability insurance – Liability insurance will cover damage that occurs to a person or their property. 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 limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, court costs, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Impala.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision – Collision coverage will pay to fix damage to your Impala resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield, hail damage, damage from flooding and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Best coverage at the best price

Insureds who switch companies do it for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, high prices and not issuing a premium refund. No matter why you want to switch, finding a great new company is less work than it seems.

Low-cost 2004 Chevy Impala insurance can be sourced from both online companies in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

We just showed you some good ideas how to save on insurance. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

Much more information about car insurance is available on the following sites: