2004 Chevrolet Impala Insurance Quotes – 7 Tips for Cheaper Rates

Trying to find cheaper insurance rates for your Chevrolet Impala? I really doubt anyone enjoys paying for insurance, especially when they know their premiums are too high.

Multiple car insurance companies compete for your business, and because of this it can be hard to compare insurance companies and get the definite best rates possible.

If you are paying for car insurance now, you will be able to cut costs considerably using these tips. Finding affordable coverage is quite easy. Nevertheless, consumers need to have an understanding of how insurance companies sell online.

Ways to get insurance price quotes

Effectively comparing insurance prices can be challenging if you don’t utilize the best way to get rate quotes. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many companies enroll in a system that enables customers to enter their coverage request one time, and every company returns a competitive quote based on the submitted data. This system prevents you from having to do quote forms to each individual insurance company.

To get comparison pricing now click here to open in new window.

The one downside to using this type of form is you can’t choose which carriers to get quotes from. So if you prefer to choose specific insurance companies to receive pricing from, we put together a list of companies who write insurance in your area. View list of insurance companies.

Whichever method you choose, make sure you are using identical deductibles and coverage limits for each comparison quote. If you use different values for each quote it will be impossible to make a fair rate comparison. Even a minor difference in insurance coverages can make a big difference in price. And when price shopping your coverage, comparing a wide range of rates increases the change that you will find more affordable rates.

What insurance coverages do I need?

When it comes to buying adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • Is there coverage for injuries to my pets?
  • Can I rent a car in Mexico?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have coverage when using my vehicle for my home business?
  • When should I not file a claim?
  • If my 2004 Chevy Impala is totaled, can I afford another vehicle?
  • Is my 2004 Chevy Impala covered for flood damage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance specifics

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for EMT expenses, X-ray expenses and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2004 Chevy Impala.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision coverage pays for damage to your Impala from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, backing into a parked car, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, falling objects, fire damage, damage from flooding and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. 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 values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as loss of income, repair costs for stationary objects and medical services. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.