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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: Jun 27, 2022

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Searching for cheaper insurance rates for your Chevrolet Impala? Locating cheaper insurance for your Chevy Impala can turn out to be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to find insurance online so you’re going to learn the best way to quote coverages for a new or used Chevy and find the lowest possible price either online or from local insurance agents.

It is always a good idea to shop coverage around before your policy renews since rates tend to go up over time. Just because you had the best deal on Impala insurance on your last policy a different company probably has better rates today. You can find a lot of wrong information about insurance online but we’re going to give you some excellent ideas to find affordable insurance.

Buying more affordable insurance coverage is not that difficult. If you have a current insurance policy or are just looking to switch companies, you can use this information to find the best rates while maximizing coverage. Drivers only need an understanding of the proper methods to compare price quotes online.

How to Reduce 2005 Chevy Impala Insurance Rates

Car insurance can cost a lot, but there are discounts available that you may not know about. Some discounts apply automatically when you complete an application, but some must be requested specifically prior to getting the savings. If you don’t get every credit possible, you’re paying more than you need to.

  • Homeowners Discount – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
  • Life Insurance Discount – Companies who offer life insurance give you a break if you buy life insurance.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could qualify for lower rates on the low mileage vehicles.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Impala insurance than their less cautious counterparts.
  • One Accident Forgiven – Certain companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So even though they make it sound like all those discounts mean the company will pay you instead, you should not be under that impression. Any qualifying discounts will cut the cost of coverage.

Choosing Coverage Suited to Your Needs

When choosing the best car insurance coverage for your vehicles, there is no best way to insure your cars. Auto insurance coverage is hardly uniform, and doing the right research can help you get a deal while protecting yourselves and others when out on the road.

These are some specific questions that might point out if your situation would benefit from professional advice.

  • Am I covered if my car is in a flood?
  • What exactly is covered by my policy?
  • When should I buy a commercial auto policy?
  • Is my trailer covered?
  • How do I insure my teen driver?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my medical payments coverage pay my health insurance deductible?
  • How does the current price of my 2005 Chevy Impala affect my rates?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Misconceptions in Auto Insurance Advertisements

Consumers constantly see and hear ads for the lowest-priced auto insurance by companies like State Farm, Allstate, and GEICO. All the companies make an identical promise that you can save if you change to them.

But how can every company make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the type of customer they prefer to insure. An example of a preferred risk might be a mature driver, a clean driving record, and a short commute. A customer who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Potential insureds who don’t qualify for the requirements will be quoted a more expensive rate and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that much money. That’s why insurance companies can make the claims of big savings.

This emphasizes why you absolutely need to compare many companies’ rates. It’s not possible to predict which auto insurance company will fit your personal profile best.

Coverages Available on Your Policy

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Impala.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits, making UM/UIM coverage important for you and your family to have. Usually, these limits are set the same as your liability limits.

Liability – Liability coverage can cover damage that occurs to people or other property. This coverage protects you against other people’s claims and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like loss of income, medical expenses, and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive – This pays for damage caused by mother nature, theft, vandalism, and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, a broken windshield, and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and Personal Injury Protection – Med pay and PIP coverage provide coverage for short-term medical expenses like funeral costs, ambulance fees, EMT expenses, dental work, and doctor visits. They are used to fill the gap in your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This will pay to fix damage to your Impala resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage can pay for claims like hitting a parking meter, sustaining damage from a pothole, or sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Be Smart and Buy Smart

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed physical damage coverage only to regret they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Consumers who switch companies do it for many reasons like questionable increases in premium, high rates after DUI convictions, delays in responding to claim requests or even high prices. Regardless of your reason, choosing a new company is easier than you think.

Affordable 2005 Chevy Impala insurance can be sourced online and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

More detailed insurance coverage information is available by following these links:

  • Auto Insurance FAQ (Farmers Insurance)
  • Collision Insurance Coverage (Nationwide)
  • Speed and Speed Limit FAQ (iihs.org)
  • Should I Buy a New or Used Car? (Allstate)
  • Child Safety Seats (Insurance Information Insitute)

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