Compare 1991 Chevrolet Caprice Car Insurance Cost

Trying to find better insurance coverage rates? Buyers have a choice when searching for the lowest priced Chevy Caprice insurance. They can either spend hours calling around trying to get quotes or use the internet to compare rates.

There are both good and bad ways to shop for insurance coverage so we’re going to tell you the proper way to get price quotes on a Chevy and find the lowest price either online or from local insurance agents.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but there could be available discounts that can drop the cost substantially. Some trigger automatically when you purchase, but a few must be asked for before they will apply. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Distant Student – Youth drivers living away from home attending college and do not have a car can be insured at a reduced rate.
  • Safety Course Discount – Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Paperless Signup – A few companies give back up to $50 simply for signing on their website.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you will save at least 10% off all policies.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Organization Discounts – Being a member of a civic or occupational organization may earn a discount on auto insurance for Caprice insurance.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less for Caprice insurance than their less cautious counterparts.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will cut your overall premium however.

A partial list of companies that may have these money-saving discounts include:

Double check with each company how you can save money. Discounts may not apply in your area.

Factors that can influence insurance rates for a Chevy Caprice

An important part of buying insurance is that you know the different types of things that help determine your insurance coverage rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with lower insurance coverage prices.

The following are a few of the “ingredients” companies use to determine rates.

  • Car features impact rates – Driving a car with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Your job and insurance rates – Careers like real estate brokers, architects and financial analysts tend to have higher average rates due to high stress levels and lengthy work days. Conversely, occupations like scientists, engineers and the unemployed receive lower rates for Caprice insurance.
  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. Safe vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and thus lower rates. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Lower miles equals lower premium – The more miles you rack up on your Chevy every year the more you will pay for insurance coverage. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Having the wrong rating on your Caprice may be costing you. Ask your agent if your insurance coverage policy properly reflects how each vehicle is driven, because it can save money.
  • Do you qualify for a multi-policy discount? – Some insurance coverage companies will give a discount to people who consolidate policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even with this discount, you may still want to compare rates to confirm you are receiving the best rates possible. Drivers may still find a better deal by splitting coverages up.
  • High credit ratings translate to low rates – Having a bad credit history is a huge factor in determining your rates. Therefore, if your credit score is not that good, you could be paying less to insure your 1991 Chevrolet Caprice by improving your credit score. People with high credit ratings tend to be more responsible than those with lower credit scores.
  • Battle of the sexes – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Men and women cause accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as reckless driving.
  • Discounts for married couples – Being married helps lower the price on your insurance coverage policy. Having a spouse translates into being more mature and responsible and it’s proven that being married results in fewer claims.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I break a side mirror?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When can my company non-renew my policy?
  • How do I file an SR-22 for a DUI in my state?
  • Why am I required to buy liability insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need special endorsements for business use of my vehicle?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Don’t listen to company ads

Consumers can’t get away from ads for cheaper car insurance by companies like State Farm, Geico and Progressive. All the companies make an identical promise that you can save if you switch to them.

How can each company claim to save you money?

All the different companies have a certain “appetite” for the driver that makes them money. For example, a profitable customer could be over the age of 50, has no driving citations, and has a high credit rating. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t qualify for the requirements will have to pay more money and ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save money. This is how companies can make those claims.

Because of the profiling, you should get a wide range of price quotes. It’s not possible to predict which company will provide you with the cheapest Chevy Caprice insurance rates.

Auto insurance coverage specifics

Having a good grasp of auto insurance can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, vandalism, rock chips in glass, fire damage and hail damage. The maximum payout you’ll receive from a claim 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.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like prosthetic devices, dental work, ambulance fees, chiropractic care and hospital visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chevy Caprice.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability

This provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as funeral expenses, structural damage and attorney fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, sustaining damage from a pot hole, crashing into a building, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Saving money makes a lot of cents

We’ve covered some good ideas how you can get a better price on 1991 Chevy Caprice insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the most savings is with a small mutual company.

Cheap insurance can be bought on the web as well as from independent agents, and you need to price shop both to get a complete price analysis. There are still a few companies who don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.

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