Compare 1996 Chevrolet Caprice Insurance Rates

Trying to find cheaper insurance coverage rates for your Chevrolet Caprice? Consumers not familiar with comparing rates online will discover shopping for cut-rate insurance coverage quite challenging.

Don’t miss out on these money-saving discounts

Auto insurance companies do not list all their discounts in a way that’s easy to find, so we break down both well-publicized as well as the least known ways to save on car insurance.

  • No Claims – Claim-free drivers pay less when compared to drivers who are more careless.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Caprice insurance with certain companies.
  • Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more depending on where you live.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Early Switch Discount – Some companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • E-sign – Some insurance companies will give a small break just for signing your application on their website.

It’s important to understand that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free car insurance policy, it doesn’t quite work that way.

Car insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. Savings might not apply everywhere.

Do I need special coverages?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique.

For example, these questions might help in determining whether or not you would benefit from professional advice.

  • Can I make deliveries for my home business?
  • I have a DUI can I still get coverage?
  • Is my camper covered by my car insurance policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Does coverage extend to a rental car in a foreign country?
  • Should I carry comprehensive and collision coverage?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

What insurance coverages do you need?

Understanding the coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage

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

Comprehensive coverage protects against claims like hitting a deer, rock chips in glass, theft, vandalism and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision coverage pays for damage to your Caprice from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, colliding with a tree, sideswiping another vehicle, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Caprice.

Because many people 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 should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills like X-ray expenses, EMT expenses, nursing services and chiropractic care. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

This provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like medical expenses, medical services and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Save your cold hard cash

We just presented a lot of tips how to compare 1996 Chevy Caprice insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with some of the smallest insurance companies.

Discount insurance is available both online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance coverage companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

People change insurance companies for any number of reasons including lack of trust in their agent, high rates after DUI convictions, being labeled a high risk driver or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.

Much more information about insurance coverage can be found below: