Cheap 1991 Chevrolet Caprice Car Insurance Cost

Finding better insurance prices for a new or used Chevy Caprice can turn out to be difficult, but you can use the following methods to make it easier.

There is a better way to find insurance online and we’ll show you the quickest way to get price quotes on a Chevy and locate the cheapest rates from local insurance agents and online providers.

Insurance policy discounts you can’t miss

Some insurance providers do not advertise every discount very well, so the following list contains a few of the more well known and the more hidden insurance savings. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.

  • Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
  • Safety Course Discount – Taking part in a defensive driving course could save 5% or more and make you a better driver.
  • Claim-Free Discount – Claim-free drivers pay much less when compared to drivers who are more careless.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off on Caprice coverage with select insurance companies.
  • Service Members Pay Less – Being deployed in the military could be rewarded with lower prices.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if offered at their school.
  • Senior Discount – Drivers over the age of 55 may qualify for a discount up to 10% on Caprice coverage.
  • Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.

It’s important to note that most discount credits are not given the the whole policy. Most only reduce individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

A list of companies and a partial list of their discounts are detailed below.

  • State Farm policyholders can earn discounts including multiple policy, safe vehicle, good driver, good student, driver’s education, and student away at school.
  • American Family has discounts for air bags, bundled insurance, good student, accident-free, and multi-vehicle.
  • AAA may offer discounts for good driver, good student, AAA membership discount, multi-car, and multi-policy.
  • GEICO may have discounts that include anti-lock brakes, defensive driver, anti-theft, multi-policy, membership and employees, five-year accident-free, and air bags.
  • Mercury Insurance offers premium reductions for anti-theft, accident-free, low natural disaster claims, good driver, type of vehicle, and professional/association.
  • Farmers Insurance has savings for teen driver, mature driver, business and professional, distant student, and good student.
  • Progressive discounts include online signing, multi-policy, good student, continuous coverage, and homeowner.

If you want cheap insurance coverage quotes, ask all the companies how you can save money. Some of the discounts discussed earlier might not be offered in your area.

The easiest way to compare car insurance company rates takes advantage of the fact car insurance companies allow for online access to give free rates quotes. To start a quote, the only thing you need to do is provide information like how old drivers are, whether you drive to work or school, how much education you have, and whether or not you need a SR-22. That rating data is instantly provided to multiple companies and you receive quotes instantly.

To find the cheapest 1991 Chevy Caprice insurance rates, click here and enter the information requested.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

For example, these questions could help you determine if your situation would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?
  • How much can I save by bundling my policies?
  • Is a blown tire covered by insurance?
  • What happens if I owe more than my 1991 Chevy Caprice is worth?
  • Does insurance cover tools stolen from my truck?
  • What can I do if my company won’t pay a claim?
  • What is roadside assistance coverage?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about auto insurance coverages

Having a good grasp of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, falling objects, a broken windshield, fire damage and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your Caprice from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, backing into a parked car and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Chevy Caprice.

Due to the fact that many 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. Frequently these coverages are identical to your policy’s liability coverage.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as legal defense fees, emergency aid, bail bonds and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage pay for expenses such as X-ray expenses, prosthetic devices, chiropractic care and hospital visits. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

A penny saved is a penny earned

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, someone dropped collision coverage and learned later that the savings was not a smart move. Your goal is to find the BEST coverage for the lowest price while still protecting your assets.

Consumers who switch companies do it for any number of reasons including unfair underwriting practices, poor customer service, high prices and even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

There are still a few companies who may not provide the ability to get a quote online and these smaller companies only sell coverage through local independent agencies. Budget-friendly insurance coverage can be bought from both online companies and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates.

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