2008 Chevrolet Impala Insurance Quotes – 7 Ideas for Cheaper Rates

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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: Dec 7, 2021

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Overwhelmed by the sheer number of vehicle insurance coverage company choices? You have a lot of company. Drivers have so many options that it can be a big hassle to compare prices on their vehicle insurance.

What are seven discounts you can get on your vehicle coverage?

Vehicle insurance can cost a lot, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be specially asked for before you get the savings.

  • Save over 55 – If you qualify as a senior citizen, you may receive a discount up to 10% for Impala coverage.
  • E-sign – Certain companies may give you up to $50 for buying your policy on their website.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Impala coverage than drivers with accident claims.
  • Multiple Vehicles– Having all your vehicles on one policy can get a discount on all vehicles.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Clubs and Organizations – Belonging to a civic or occupational organization may earn a discount when shopping for vehicle insurance for Impala coverage.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, you’re out of luck. But all discounts will cut the amount you have to pay.

Insurance companies that possibly offer some of the above discounts include:

  • Progressive
  • AAA
  • Farmers Insurance
  • GEICO
  • Esurance
  • SAFECO
  • State Farm

Check with each company how you can save money. All vehicle insurance discounts may not be available in every state.

How can you get vehicle insurance quotes?

There are several ways to compare quotes from different insurance companies. The easiest way by far to compare 2008 Chevy Impala insurance prices is to perform an online rate comparison. This can be accomplished using a couple of different methods.

  1. The first (and easiest) way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating separate quotes for every insurance company. One form compares rates from all major companies. Recommended for those who want to invest the least amount of time.

Which method you use is up to you, but be sure to compare exactly the same coverage information for each price quote. If the quotes have mixed coverages then you won’t be able to make an equal comparison. Having just a slight variation in coverage limits could mean much higher rates. Keep in mind that having more price comparisons helps you find a better price.

Is my situation unique?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

Rates change on a variety of factors, including whether you’re the 1st owner of your Impala or not. If you’re a 2nd owner, 3rd owner, 4th owner, or even later, your used vehicle should be cheaper to insure.

These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

  • What is medical payments coverage?
  • Where can I get vehicle insurance after a DUI in my state?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered by my spouse’s policy after a separation?
  • Can my teen drive my company vehicle?
  • Should I waive the damage coverage when renting a vehicle?
  • Should I have a commercial auto policy?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

What are the basics of insurance coverage?

Understanding the coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

Comprehensive coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, falling objects, hail damage and hitting a bird. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills for doctor visits, hospital visits, surgery, rehabilitation expenses and X-ray expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.

Coverage for liability

This coverage can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical expenses, funeral expenses, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your Impala caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a mailbox, crashing into a building, sustaining damage from a pothole and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Impala.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

How can you get started?

As you shop your coverage around for the roomy sedan, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

No matter what engine choices you’ve made for your Impala or if you have a rear spoiler or unique instrument panels, you can get coverage. Airbags-equipped vehicles including with side-curtain airbags may give you a discount, as these types of passive restraints provide a discount with most insurers.

Drivers change insurance companies for any number of reasons including delays in paying claims, poor customer service, being labeled a high-risk driver or even lack of trust in their agent. Regardless of your reason for switching companies, switching companies can be easier than you think.

In this article, we covered quite a bit of information on how to reduce 2008 Chevy Impala insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest-priced auto insurance comes from a company that doesn’t do a lot of advertising.

For more information, feel free to visit the following helpful articles:

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