Lower Your 1996 Chevrolet Caprice Insurance Quotes

Sick and tired of being strong-armed to buy car insurance? Your situation is no different than many other consumers.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

How to Compare Insurance Costs

Most companies provide prices for coverage on the web. Obtaining pricing is pretty painless as you just type in your personal and coverage information as requested by the quote form. After the form is submitted, their system sends out for your driving record and credit report and returns a price based on many factors. This simplifies rate comparisons, but having to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to get many rate quotes in order to find the best price possible.

A less time-consuming method to compare insurance pricing uses one form to obtain quotes from more than one company. The form is fast, eliminates form submissions, and makes comparison shopping much easier to do. Once the form is submitted, it gets priced and you can select any or none of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. It takes less than 15 minutes and could lower your rates considerably.

To find out what other companies charge, click here to open in a new tab and fill out the form. To compare your current rates, we recommend that you enter the coverage information identical to your current policy. This way, you’re receiving an apples-to-apples comparison using the exact same coverages.

You probably qualify for some discounts

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but a few must be inquired about prior to getting the savings.

  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Drive Less and Save – Fewer annual miles on your Chevy can earn better rates on cars that stay parked.
  • Paperwork-free – A handful of insurance companies will give a small break for buying your policy on their website.
  • No Accidents – Drivers who don’t have accidents pay less as compared to bad drivers.
  • Club Memberships – Being a member of certain professional organizations could qualify you for a break on your policy for Caprice coverage.
  • Auto/Life Discount – Some companies give better rates if you take out life insurance from them.

Consumers should know that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

Companies that may have some of the above discounts may include but are not limited to:

Check with all companies you are considering which discounts they offer. Some discounts may not be available everywhere.

There’s no such thing as the perfect policy

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if you would benefit from an agent’s advice.

  • Should I sign the liability waiver when renting a car?
  • Which companies will insure high-risk drivers?
  • Can I get a multi-policy discount?
  • What vehicles should carry emergency assistance coverage?
  • Am I missing any policy discounts?
  • Does coverage extend to Mexico or Canada?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Why your Chevy Caprice insurance rates may be high

Smart consumers have a good feel for some of the elements that go into determining car insurance rates. Understanding what influences your rates allows you to make educated decisions that will entitle you to big savings.

Listed below are some of the factors companies use to determine prices.

  • Poor driving leads to higher costs – Whether or not you get tickets has a huge affect on how much you pay. Only having one ticket may increase your cost forty percent or more. Drivers with clean records have lower premiums than their less careful counterparts. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • You might want pay the small claims yourself – Auto insurance companies award better rates to policyholders who do not file claims often. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • What are your deductibles? – Your deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage from fire, and burglary. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Caprice coverage.
  • Do you have a high stress job? – Jobs such as real estate brokers, business owners and accountants have higher rates than average attributed to job stress and lots of time spent at work. On the flip side, occupations like scientists, athletes and the unemployed get better rates for Caprice coverage.
  • Your spouse saves you money – Being married actually saves money on your policy. Having a significant other is viewed as being more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Do you need the policy add-ons? – There are many extra bells and whistles that can waste your money on your car insurance policy. Insurance for rental car reimbursement, accident forgiveness and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so eliminate the coverages to reduce your premium.

Auto insurance 101

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses like funeral costs, ambulance fees and surgery. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage – This will pay to fix damage to your Caprice resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability auto insurance – Liability coverage protects you from damage that occurs to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like pain and suffering, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, a broken windshield, hail damage and fire damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers – This gives you protection 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 your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Keep this in mind

Throughout this article, we presented many ways to shop for 1996 Chevy Caprice insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the best price on car insurance is with a lesser-known regional company. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Progressive or GEICO.

The cheapest insurance is possible online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

Even more information is available at these sites: