2009 Chevrolet Impala Insurance Quotes – 7 Tips to Save

Are you overwhelmed by the sheer number of car insurance options? Many other drivers are as well. Drivers have so many options that it can easily become a lot of work to find better rates.

It is always a good idea to get comparison quotes before your policy renews because prices are usually higher with each renewal. If you had the lowest rates for Impala insurance a few years ago there may be better deals available now. You can find a lot of wrong information about car insurance on the internet, so by reading this article, you’re going to learn some great ways to buy car insurance cheaper.

Don’t pay full price with these seven discounts

Car insurance is not cheap, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you complete an application, but a few need to be manually applied before you will receive the discount.

  • Safe Drivers – Insureds without accidents may save up to 50% more for Impala insurance than less cautious drivers.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
  • Accident Free – Drivers with accident-free driving histories pay less compared to frequent claim filers.
  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will cut your premiums.

Car insurance companies that possibly offer these discounts may include but are not limited to:

Check with every prospective company which discounts you may be entitled to. Discounts might not apply in every state.

How to Compare Insurance Coverage Costs

Performing a rate comparison can be a daunting task if you don’t understand the best way to get rate quotes. You can spend your afternoon talking to insurance companies in your area, or you could save time and use online quotes to get prices fast.

Many companies participate in an industry program where insurance shoppers complete one form, and each participating company can give them a price for coverage. This system prevents you from having to do quote requests for each company.

To participate in this free quote system, click here to start a free quote.

The one downside to doing it this way is you are unable to specify the providers to get pricing from. So if you prefer to choose specific insurance companies to receive pricing from, we have a page of insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverages with each company. If you have differing limits it’s not possible to decipher which rate is best. Quoting even small variations in coverages can result in a big premium difference. It’s important to know that getting more free quotes will enable you to find the best price.

Your personal situation dictates your coverage

When it comes to buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • Can I still get insurance after a DUI?
  • Does car insurance cover theft of personal property?
  • Should I buy more coverage than the required minimum liability coverage?
  • When should I buy a commercial auto policy?
  • What is the ISO rating for a 2009 Chevy Impala?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Does insurance cover damages from a DUI accident?
  • How much liability coverage do I need in my state?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage specifics

Having a good grasp of a insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical expenses, repair costs for stationary objects and structural damage. How much coverage you buy is your choice, but you should buy as much as you can afford.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, rolling your car, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like doctor visits, hospital visits and nursing services. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, damage from a tornado or hurricane and rock chips in glass. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

More effort can pay off

Drivers change insurance companies for a number of reasons such as policy cancellation, delays in paying claims, extreme rates for teen drivers and lack of trust in their agent. Whatever your reason, finding a great new company can be pretty painless.

Throughout this article, we presented a lot of ways to get a better price on 2009 Chevy Impala insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped full coverage to discover at claim time they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

More detailed auto insurance information is located by following these links: