1994 Chevrolet Caprice Insurance Rates – 6 Tricks for Best Quotes

Want better insurance rates for your Chevrolet Caprice? Paying for high-priced Chevrolet Caprice insurance can take a big chunk out of your bank account and put a big crunch on your finances. Shopping your coverage around is a great way to tighten up your finances. Having so many insurance providers from which to choose, it is hard for the average consumer to find the most affordable car insurance company.

You should take the time to take a look at other company’s rates periodically because insurance rates change quite often. Just because you had the lowest rates for Caprice coverage a couple years back you may be paying too much now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the things you must know in order to find great coverage at a great price.

Buying car insurance is not rocket science. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. Drivers just need to learn the tricks to compare company rates on the web.

Compare Insurance Costs

Getting a cheaper price on 1994 Chevy Caprice insurance is actually quite simple. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way consumers can analyze rates is a comparison rater form like this one (opens in new window). This method eliminates the need for separate quotes for each company. Just one form will get you price quotes from all major companies.
  2. A different way to get quotes online is to manually visit the website for each individual company and request a quote. For sake of this example, we’ll assume you want to compare rates from Nationwide, 21st Century and State Farm. To get rate quotes you would need to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming method of comparing rate quotes is to spend your day driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you have a need for the trained guidance of a local agent. However, consumers can comparison shop your insurance online and still use a local agent.

However you get your quotes, make absolute certain that you use the exact same deductibles and coverage limits for every quote you compare. If your comparisons have mixed coverages it will be next to impossible to truly determine the lowest rate.

How to reduce 1994 Chevy Caprice insurance rates

Car insurance companies don’t always list every available discount very well, so we took the time to find some of the more common and the harder-to-find ways to save on auto insurance. If you don’t get every credit possible, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Caprice coverage with a few auto insurance companies.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.

Keep in mind that most credits do not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

To see a list of insurance companies with the best auto insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine whether or not you may require specific advice.

  • Can I get a multi-policy discount?
  • Can I rent a car in Mexico?
  • What companies insure drivers after a DUI or DWI?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why is insurance for a teen driver so high?
  • Is pleasure use cheaper than using my 1994 Chevy Caprice to commute?
  • What can I do if my company won’t pay a claim?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Do insurance coverage companies bend the truth?

Consumers constantly see and hear ads for car insurance savings from companies such as State Farm and Allstate. All the ads make an identical promise that you can save if you move your policy.

How can each company make almost identical claims?

All companies have a preferred profile for the type of customer they prefer to insure. For instance, a driver they prefer might be between 25 and 40, has no prior claims, and chooses high deductibles. A customer who meets those qualifications will get very good rates and is almost guaranteed to cut their rates substantially.

Potential customers who don’t measure up to the “perfect” profile will have to pay a higher premium which leads to the customer not buying. The ad wording is “customers who switch” not “everybody who quotes” save that much money. This is how companies can make the claims of big savings. Because of the profiling, you need to get quotes from several different companies. It’s impossible to know which insurance coverage company will have the lowest Chevy Caprice insurance rates.

Specific coverage details

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Auto collision coverage

This coverage will pay to fix damage to your Caprice from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, backing into a parked car, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims like funeral expenses, legal defense fees, court costs, loss of income and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Caprice.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like hospital visits, EMT expenses, rehabilitation expenses, prosthetic devices and ambulance fees. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, hitting a bird, vandalism and hitting a deer. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Better coverage you can count on

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. In too many instances, an accident victim reduced liability coverage limits and learned later that it was a big mistake. The aim is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

In this article, we presented quite a bit of information on how to shop for 1994 Chevy Caprice insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the biggest savings come from some of the lesser-known companies. They may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

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