2006 Chevrolet Impala Insurance Cost – 9 Tips to Save

Searching for lower car insurance rates for your Chevrolet Impala? Are you frustrated by the number of car insurance choices available to you? You’re not alone. Consumers have so many choices that it can really be a ton of work to find lower prices.

It’s a good idea to quote other rates on a regular basis due to the fact that insurance rates change quite often. Even if you got the best deal for Impala coverage a few years ago the chances are good that you can find a lower price today. You’ll find quite a bit of inaccurate information about car insurance on the web, but you can learn some great ways to slash your car insurance rates.

Locating the cheapest coverage can be fairly easy. In a nutshell, every vehicle owner who is shopping for insurance coverage stands a good chance to be able to find lower rates. But vehicle owners do need to know how big insurance companies price online insurance and take advantage of how the system works.

The best way we recommend to compare rate quotes is to take advantage of the fact most of the larger companies participate in a system to quote your coverage. All you need to do is give them some information including how much coverage you want, whether or not you need a SR-22, if you have a valid license, and whether you drive to work or school. The data gets sent immediately to many of the top insurers and you receive quotes instantly.

Save a ton by receiving these nine discounts

The cost of insuring your cars can be expensive, but companies offer discounts that could drop your premiums quite a bit. Certain credits will be shown when you get a quote, but occassionally some discounts must be asked about prior to getting the savings. If you aren’t receiving every discount available, you are throwing money away.

  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Discounts for Multiple Vehicles – Buying insurance for primary and secondary vehicles with one company can reduce rates for all insured vehicles.
  • Driving Data Discount – Drivers who agree to allow their insurance company to track driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot might see lower rates if their driving habits are good.
  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Fewer Miles Equal More Savings – Low annual miles could earn discounted rates on garaged vehicles.
  • Discounts for Responsible Drivers – Safe drivers can save as much as half off their rates for Impala coverage than drivers with accident claims.
  • Good Student – Getting good grades can save 20 to 25%. The discount lasts until age 25.
  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems help deter theft and will save you 10% or more.
  • Accident-Free Discounts – Claim-free drivers can save substantially in comparison with policyholders that have many claims.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

Some of the larger companies that have most of these discounts include:

Double check with all the companies to apply every possible discount. Some of the discounts discussed earlier may not be available in every state.

Your car insurance coverage should be tailored to you

When choosing the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

For instance, these questions could help you determine whether your personal situation may require specific advice.

  • How does medical payments coverage work?
  • Are split liability limits better than a combined single limit?
  • Am I getting all the discounts available?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my 2006 Chevy Impala covered for smoke damage?
  • Is my dog or cat covered if injured in an accident?
  • Are my tools covered if they get stolen from my vehicle?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Can you really save $489 a year?

Popular auto insurance providers such as Allstate, GEICO and Progressive consistently run ads on TV and radio. All the ads make the same claim about saving some big amount if you change to their company. How do they all make almost identical claims? It’s all in the words they use.

Auto insurance companies can use profiling for the type of driver that earns them a profit. One example of a profitable insured may be over age 30, carries full coverage, and does not commute to work. Any new insured who fits those characteristics receives the best premium rates and most likely will save if they switch.

People who fall short of the “perfect” profile will be charged higher rates which leads to the customer not buying. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how insurance companies can advertise the way they do.

Because every company is different, you need to compare price quotes frequently. It is just not possible to predict the company that will have the best prices at this point in time.

Educate yourself about car insurance coverages

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Impala.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hail damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses such as chiropractic care, rehabilitation expenses, dental work and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as loss of income, attorney fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for collisions

Collision coverage pays for damage to your Impala caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, sideswiping another vehicle, driving through your garage door, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

More comparisons equals lower rates

When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

Consumers who switch companies do it for a number of reasons such as denial of a claim, delays in responding to claim requests, not issuing a premium refund or even policy cancellation. Regardless of your reason for switching companies, finding the right insurance coverage provider can be less work than you think.

Cheaper insurance coverage is definitely available online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. Some companies do not provide rates over the internet and usually these small insurance companies prefer to sell through independent agents.

More tips and info about insurance coverage can be read in these articles: