How Much Does 2010 Chevrolet Impala Car Insurance Cost?

Trying to find the cheapest insurance rates for your Chevrolet Impala? Are you sick and tired of paying out the nose to insure your Chevy every month? You are in the same boat as millions of other consumers.

Numerous car insurance companies battle for your business, so it’s not easy to compare every company to get the lowest price

You should make it a habit to compare rates occasionally because insurance rates change regularly. If you had the lowest rates for Impala coverage on your last policy there is a good chance you can find better rates now. So ignore everything you know about insurance because you’re going to get a crash course in the best way to remove unneeded coverages and save money.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but a few need to be manually applied before you get the savings.

  • New Car Discount – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • Driver Safety – Completing a driver safety course could cut 5% off your bill depending on where you live.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will reduce the cost of coverage.

To see a list of companies with discount auto insurance rates, click here to view.

The quickest method to compare insurance rates in your area is to understand auto insurance companies will pay a fee to give free rates quotes. The only thing you need to do is provide a small amount of information like if you have an active license, the make and model of your vehicles, how old drivers are, and marital status. Your information is automatically sent to multiple companies and they respond with quotes quickly.

To start a quote now, click here and find out if you can get cheaper insurance.

Tailor your coverage to you

When it comes to choosing the best insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions could help you determine whether you may require specific advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Is rental equipment covered for theft or damage?
  • Do I have coverage when making deliveries for my home business?
  • Are rock chip repairs covered?
  • Do I need PIP coverage since I have good health insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Why am I required to buy high-risk coverage?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Car insurance coverages and their meanings

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Impala.

Since a lot of drivers 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 very important. Usually the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses for things like X-ray expenses, doctor visits, rehabilitation expenses, chiropractic care and pain medications. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, hitting a deer and theft. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage will pay to fix damage to your Impala caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability coverage

This provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, court costs, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Better coverage you can count on

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. In many instances, someone sacrificed uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Cheap 2010 Chevy Impala insurance can be found on the web as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers don’t offer online price quotes and these regional insurance providers work with independent agents.

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