Cheap 1996 Chevrolet Caprice Insurance Quotes

Looking for lower insurance rates for your Chevrolet Caprice? Did you fall for a flashy sales pitch and buy overpriced insurance? Believe me when I say there are many consumers feeling the pinch from expensive insurance.

Many car insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to get the best rates possible.

You need to check insurance prices on a regular basis because rates are adjusted regularly by insurance companies. Even if you think you had the best deal on Caprice insurance a few years ago other companies may now be cheaper. So just forget anything you know (or think you know) about insurance because you’re going to learn the best way to find lower rates on insurance.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these tips. Finding affordable coverage is quite easy. But consumers benefit from understanding the way insurance companies market on the web.

Why your Chevy Caprice insurance rates may be high

It’s important that you understand the rating factors that help determine the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to better auto insurance rates.

The following are some of the items auto insurance companies consider when setting prices.

  • Pay less if you’re married – Getting married can actually save you money on auto insurance. Having a significant other usually means you are more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • High credit ratings translate to low rates – Credit history is a large factor in calculating your auto insurance rates. If your credit history is not that good, you could save money insuring your 1996 Chevrolet Caprice by spending a little time repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • Liability insurance protects assets – Liability coverage is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • How your age affects price – Older drivers are more responsible, tend to file fewer claims and are safer drivers. Youthful drivers tend to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.
  • Traffic citations inflate rates – Your driving record has a huge affect on how much you pay. Even a single citation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers who get serious violations like DUI or reckless driving may be required to file a SR-22 with their state DMV in order to continue driving.
  • Rates may be lower depending on your job – Occupations like judges, business owners and dentists are shown to have the highest average rates in part from job stress and lots of time spent at work. Other occupations such as farmers, historians and retirees pay the least on Caprice insurance.
  • The more you drive the more you pay – The more you drive in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on how the vehicle is used. Cars used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your auto insurance policy properly reflects the correct driver usage, because it can save money. Incorrect usage on your Caprice can cost quite a bit.
  • Your car’s features help determine rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.

Save big with these discounts

Companies that sell car insurance don’t always publicize all available discounts in an easy-to-find place, so we break down some of the best known as well as the least known insurance coverage savings.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Paperwork-free – A handful of insurance companies will give a small break simply for signing digitally online.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Student in College – Any of your kids who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Caprice insurance than their less cautious counterparts.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount on Caprice insurance with certain companies.
  • Senior Discount – Mature drivers can possibly qualify for better insurance coverage rates on Caprice insurance.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies before your current expiration date. It can save you around 10%.

A little note about advertised discounts, most discount credits are not given the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance coverage policy, you’re out of luck.

A partial list of companies that may have these benefits may include but are not limited to:

It’s a good idea to ask each company which discounts they offer. Some discounts may not be available everywhere.

Save $473 a year. For real?

State Farm, Geico and Progressive constantly bombard you with ads on television and other media. All the companies say the same thing of big savings if you switch your coverage to them. But how can every company make almost identical claims?

Different companies are able to cherry pick for the type of customer they prefer to insure. An example of a profitable customer could possibly be a mature driver, has no tickets, and chooses high deductibles. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who are not a match for this ideal profile will be quoted higher prices which leads to the customer not buying. Company advertisements say “customers who switch” not “everybody who quotes” save that much. That’s the way companies can advertise the way they do. This emphasizes why you need to quote coverage with many companies. It’s impossible to know which insurance companies will have the lowest Chevy Caprice insurance rates.

But I don’t know anything about car insurance

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • Should I buy only the required minimum liability coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • How much liability insurance is required?
  • What are the financial responsibility laws in my state?
  • How high should deductibles be on a 1996 Chevy Caprice?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why does it cost so much to insure a teen driver?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance specifics

Understanding the coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Chevy Caprice.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage protection

This pays for damage to your Caprice resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hitting a bird, vandalism, hail damage and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for dental work, funeral costs, surgery, hospital visits and EMT expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Coverage for liability

This protects you from damage that occurs to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like loss of income, legal defense fees, medical expenses and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Make a quick buck

Budget-conscious 1996 Chevy Caprice insurance is available on the web in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

You just read a lot of information how to shop for insurance online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate, Geico and Progressive.

As you restructure your insurance plan, never reduce needed coverages to save money. There are a lot of situations where someone sacrificed full coverage and learned later that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at the best price.

More information can be found on the following sites: