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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 23, 2017

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Want cheaper insurance coverage rates for your Chevrolet Impala? Trying to find cheaper insurance for a new or used Chevy Impala could be difficult, but you can use the following methods to find lower rates. There is a better way to find insurance coverage online and you need to know the proper way to quote coverages on a Chevy and locate the best price possible from local insurance agents and online providers.

Finding the best rates is quite easy. If you are insured now or are shopping for new coverage, you can learn to reduce the price you pay while maintaining coverages. Drivers just need to know the best way to compare company rates online.

Comprehensive Insurance Coverage Comparison

All the larger insurance coverage companies allow you to get price estimates on the web. Getting quotes is fairly straightforward as you just type in your personal and coverage information into a form. When complete, their system orders your credit score and driving record and returns a price based on many factors.

Online quotes makes it a lot easier to compare rates but the work required to visit a lot of sites and complete many quote forms gets old quite quickly. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Isn’t there an easier way to compare rates?

A more efficient way to find better insurance coverage pricing utilizes a single form to obtain quotes from several different companies. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much easier. As soon as the form is sent, it is rated with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, you can click and sign and buy the policy. It takes just a few minutes to complete and you will know how your current rates stack up.

To save time and compare pricing, click here to open in new window and enter your information. If you currently have coverage, we recommend you complete the form with the limits and deductibles identical to your current policy. Doing this guarantees you’re receiving a fair comparison for similar insurance coverage.

Situations that might require an agent

When choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether or not you might need an agent’s assistance.

  • Is my 1995 Chevy Impala covered for smoke damage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • If my pet gets injured in an accident are they covered?
  • Is my ex-spouse still covered by my policy?
  • Does having multiple vehicles earn me a discount?
  • Are rental cars covered under my policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Insurance coverage considerations

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for expenses for prosthetic devices, X-ray expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 1995 Chevy Impala.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability coverages – Liability insurance provides protection from damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, 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 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things like repair bills for other people’s vehicles, funeral expenses and structural damage. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, hitting a deer, damage from getting keyed and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – Collision coverage covers damage to your Impala from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

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