How Much Does 1996 Chevrolet Caprice Insurance Cost?

Consumers have options when looking for affordable Chevy Caprice insurance. You can either waste hours driving around getting price quotes or leverage the internet to find the lowest rates. There are more efficient ways to find insurance online so you’re going to learn the absolute fastest way to quote coverages for your Chevy and get the cheapest rates from both online companies and local agents.

It’s a great practice to check insurance prices yearly because prices are usually higher with each renewal. Even if you think you had the best rates for Caprice insurance on your last policy you can probably find a lower rate today. There is lot of inaccurate information about insurance out there, but I’m going to show you some of the best techniques to quit paying high insurance rates.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you will most likely be able to cut costs considerably using this information. Vehicle owners just need to learn the most efficient way to compare company rates over the internet.

Lower-cost insurance quotes with discounts

Insurance is neither fun to buy or cheap, but there could be available discounts that can drop the cost substantially. A few discounts will be applied when you purchase, but less common discounts must be manually applied before you get the savings.

  • Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction for Caprice insurance with some insurance companies.
  • Good Drivers – Drivers who avoid accidents can save as much as half off their rates for Caprice insurance as compared to drivers with claims.
  • Telematics Data Discounts – Drivers who elect to allow driving data collection to study vehicle usage by using a telematics device like Allstate’s Drivewise might see lower rates as long as the data is positive.
  • Passive Restraint Discount – Options like air bags or motorized seat belts may qualify for discounts as much as 30%.
  • Renewal Discounts – Some companies reward drivers for switching to them before your current policy expires. You can save around 10% with this discount.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower rates due to less chance of an accident.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.

Discounts lower rates, but most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free insurance policy, it doesn’t quite work that way. But all discounts should definitely cut the amount you pay for coverage.

A list of companies and a summarized list of policyholder discounts can be read below.

  • State Farm offers discounts for good student, anti-theft, student away at school, Steer Clear safe driver discount, and multiple autos.
  • American Family has savings for defensive driver, bundled insurance, good student, early bird, air bags, and mySafetyValet.
  • GEICO offers premium reductions for membership and employees, air bags, military active duty, driver training, defensive driver, and emergency military deployment.
  • 21st Century may offer discounts for driver training, theft prevention, early bird, homeowners, anti-lock brakes, good student, and teen driver.
  • Progressive may have discounts that include continuous coverage, online quote discount, good student, multi-policy, and multi-vehicle.

It’s a good idea to ask each company or agent which discounts can lower your rates. Some credits might not be available to policyholders in your state. For a list of insurance companies with discount rates, click this link.

The most recommended method to compare rates is to know the trick almost all companies participate in a system to give you rate quotes. The one thing you need to do is spend a couple of minutes providing details including deductibles desired, whether you are married, whether the vehicles are used for commuting, and any included safety features. Your information is instantly sent to all major companies and you get price estimates quickly.

To get price quotes for your 1996 Chevy Caprice now, click here then complete the form.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions might help in determining if your situation might need an agent’s assistance.

  • What can I do if my company won’t pay a claim?
  • Why does it cost so much to insure a teen driver?
  • What are the best liability limits?
  • Am I covered if I drive in a foreign country?
  • Do I really need UM/UIM coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Does coverage extend to my business vehicle?
  • Am I covered if I hit a deer?
  • Where can I get insurance after a DUI in my state?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

What car insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance

This will cover damage that occurs to people or other property that is your fault. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical expenses, structural damage and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like pain medications, ambulance fees and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, falling objects, theft, vandalism and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Chevy Caprice.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Coverage for collisions

This coverage pays for damage to your Caprice caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Shop smart and save

We covered a lot of information how to get a better price on 1996 Chevy Caprice insurance. The key concept to understand is the more quotes you get, the higher your chance of finding the cheapest car insurance. Consumers may even find the lowest priced auto insurance comes from a lesser-known regional company.

The cheapest 1996 Chevy Caprice insurance is possible from both online companies and also from your neighborhood agents, so you need to shop car insurance with both to have the best rate selection. A few companies do not offer online quoting and usually these small insurance companies sell through local independent agencies.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are many occasions where someone sacrificed liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

More detailed auto insurance information is located by following these links: