View 1992 Chevrolet Caprice Insurance Quotes

Purchasing affordable car insurance online may be challenging for consumers not familiar with comparison shopping online. When there are so many companies in the marketplace, how can consumers effectively compare every one to find the lowest price?

It’s important to shop coverage around once or twice a year since rates change frequently. If you had the lowest rates on Caprice coverage two years ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the only way to find great coverage at a great price.

Don’t pay full price with these discounts

Properly insuring your vehicles can get expensive, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but a few must be requested specifically prior to receiving the credit.

  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could be rewarded with a substantially lower rate.
  • Multi-car Discount – Having more than one vehicle on the same insurance policy may reduce the rate for each vehicle.
  • Defensive Driver – Completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Senior Citizens – Mature drivers may qualify for better insurance rates on Caprice coverage.
  • Own a Home – Owning a house can help you save on insurance because owning a home demonstrates responsibility.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

Keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will bring down the amount you have to pay.

To see a list of insurance companies with the best insurance discounts, follow this link.

Compare Insurance Coverage Today

Effectively comparing insurance coverage prices can be a lot of work if you don’t understand the most efficient way. You could waste a few hours driving to insurance agencies in your area, or you can stay home and use the internet for quick rates.

Most of the best insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and each participating company returns a competitive quote based on that data. This eliminates the need for form submissions for each company.

To compare 1992 Chevy Caprice rates now click here (opens in new window).

The only downside to comparing rates this way is that you can’t choose which companies you want to price. So if you want to select individual companies to request quotes from, we have a page of insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but compare apples-to-apples coverage limits for every company. If you are comparing different liability limits it’s not possible to make a fair comparison for your Chevy Caprice. Quoting even small variations in limits may cause a big price difference. And when quoting insurance coverage, remember that quoting more helps locate a lower rate.

Your personal situation dictates your coverage

When choosing adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if you could use an agent’s help.

  • Why am I required to buy liability insurance?
  • Am I getting all the discounts available?
  • What is PIP insurance?
  • Is my teenager covered with friends in the car?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I drive in a foreign country?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Specific coverage details

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as repair costs for stationary objects, loss of income and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive car insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, a tree branch falling on your vehicle, rock chips in glass, falling objects and fire damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1992 Chevy Caprice.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses for funeral costs, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

This will pay to fix damage to your Caprice from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, crashing into a ditch, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Saving money makes a lot of cents

We covered many ways to get a better price on 1992 Chevy Caprice insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on car insurance is with the smaller companies.

When you buy insurance online, you should never skimp on coverage in order to save money. There have been many situations where an insured cut full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Cheaper insurance can be sourced from both online companies and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

More detailed car insurance information can be found by following these links: