2002 Chevrolet Impala Insurance Rates

Looking for better car insurance rates for your Chevrolet Impala? Scraping up a payment for expensive Chevrolet Impala insurance can overdraw your savings account and force you to cut corners elsewhere. Price shopping at each renewal is free and is an excellent way to lower your monthly bill.

Because you have many companies to choose from, it can be hard to find the lowest price insurance company.

You should take the time to compare rates quite often because car insurance prices fluctuate regularly. Just because you had the best rates on Impala insurance two years ago you may be paying too much now. Block out anything you think you know about car insurance because I’m going to teach you how to use online quotes to find lower rates on car insurance.

Buy auto insurance online

The majority of larger companies such as State Farm, Allstate and GEICO make it easy to get pricing online. Getting online rates is quite easy as you just type in your coverage information into a form. Behind the scenes, the system requests your driving record and credit report and provides a quote based on these factors. Being able to quote online simplifies rate comparisons, but the process of having to visit multiple sites and type in the same data can be a bit repetitive. But it’s absolutely necessary to get many rate quotes if you want to get lower prices.

The easy way to compare rates

The smarter way to find better auto insurance pricing uses just one form to return rates from several different companies. It saves time, eliminates form submissions, and makes online shopping a little more enjoyable. As soon as the form is sent, it is rated and you are able to buy any of the returned quotes. If you find a better price you can simply submit the application and buy the new coverage. It can be completed in less than 10 minutes and can result in significant savings.

To save time and compare pricing, click here to open in a new tab and enter your information. To compare your current rates, we recommend you copy deductibles and limits just like they are on your policy. This guarantees you will receive comparison quotes using the same coverage and limits.

Insurance companies offer many discounts

Auto insurance companies don’t always advertise their entire list of discounts very well, so the list below gives a summary of a few of the more common as well as the least known credits that you can use to lower your rates.

  • Early Payment Discounts – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
  • Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
  • Senior Discount – Drivers over the age of 55 are able to get reduced rates on Impala insurance.
  • Driving Data Discount – Drivers who agree to allow driving data submission to study when and where they use their vehicle by installing a telematics device such as State Farm’s In-Drive may see discounts if they show good driving skills.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on Impala insurance with certain companies.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could qualify for discounted premium rates on garaged vehicles.
  • Homeowners Discount – Being a homeowner may trigger a policy discount on insurance because owning a home requires personal responsibility.
  • Military Deployment Discount – Having an actively deployed family member may lower your rates slightly.
  • Multiple Vehicles – Buying coverage for multiple cars on a single policy could earn a price break for each car.
  • Memberships – Being a member of a qualifying organization can get you a small discount on your bill.

Discounts save money, but please remember that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, nobody gets a free ride.

To locate providers who offer online insurance quotes, click this link.

Do I just need basic coverages?

When buying the best car insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight whether or not you might need an agent’s assistance.

  • When would I need additional glass coverage?
  • How can I get high-risk coverage after a DUI?
  • Do I really need UM/UIM coverage?
  • What can I do if my company denied a claim?
  • Am I getting all the discounts available?
  • If my 2002 Chevy Impala is totaled, can I afford another vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Seven factors that determine insurance prices

Lots of things are used when premium rates are determined. Some are pretty understandable such as traffic violations, but other factors are more obscure such as whether you are married or your commute time.A large part of saving on car insurance is knowing a few of the rating criteria that help determine the rates you pay for car insurance. When you understand what impacts premium levels, this empowers consumers to make smart changes that could help you find lower car insurance prices.

  • Does your vocation cost you more? – Do you have a high-stress occupation? Occupations like military generals, architects and medical professionals tend to have higher rates than the rest of us in part from job stress and long work hours. On the other hand, careers like actors, athletes and performers receive lower rates on Impala insurance.
  • Which gender costs less? – Statistics have proven women tend to be less risk to insure than men. It does not mean women are better drivers. Men and women get in fender benders at a similar rate, but guys cause more damage and cost insurance companies more money. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving.
  • Driver age impacts prices – Teenage drivers tend to be inattentive and easily distracted when driving and because of this, their car insurance rates are much higher. More mature drivers are more responsible, file fewer claims , and usually have better credit.
  • Your car’s features help determine rates – Owning a car with an alarm system can earn a premium discount. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your car from being stolen.
  • Extra policy coverages push up premiums – There are many additional extra coverages that may not really be needed if you aren’t careful. Coverage for things like coverage for rental cars, accidental death, and additional equipment coverage could be just wasting money. You may think they are a good idea when discussing your needs, but your needs may have changed so remove them and pocket the money.
  • Drive less and get lower rates – The higher the mileage driven every year the more you will pay for car insurance. A lot of companies charge rates based upon how the vehicle is primarily used. Vehicles that do not get driven very much qualify for better rates than those used for commuting. A policy that improperly rates your Impala may be costing you higher rates. It’s always a good idea to double check that your car insurance declarations sheet properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • Cheaper premiums with safer cars – Vehicles with good safety scores tend to have lower insurance rates. The safest vehicles protect occupants better and fewer serious injuries means less claims paid which can mean better rates for you.

Auto insurance coverages

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average auto insurance policy.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane, vandalism and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This pays for damage to your Impala from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, colliding with another moving vehicle, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as chiropractic care, dental work and EMT expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your 2002 Chevy Impala.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as structural damage, loss of income, emergency aid, medical services and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Final thoughts

More affordable car insurance is definitely available on the web as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not offer price quotes online and many times these small, regional companies sell through independent insurance agencies.

We just showed you many ways to compare 2002 Chevy Impala insurance auto insurance rates online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even find the best price on car insurance is with the smaller companies. Some small companies often have lower premium rates on specific markets than their larger competitors like Allstate or State Farm.

As you prepare to switch companies, do not reduce needed coverages to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to discover later that the savings was not a smart move. The proper strategy is to get the best coverage possible for the lowest price.

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