1996 Chevrolet Caprice Car Insurance Rates – 10 Tips to Save

There isn’t a single person who is fond of buying insurance coverage, especially when they know they could find better rates elsewhere.

You have multiple insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to find the best rates.

Smart consumers take time to compare prices every six months since insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal for Caprice insurance last year other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re going to learn one of the easiest ways to save money, get proper coverage and the best rates.

The purpose of this article is to familiarize you with the most effective way to quote insurance and some tips to save money. If you have car insurance now, you will be able to lower your premiums substantially using these methods. Nevertheless, car owners need to learn the methods companies use to price insurance differently and use this information to your advantage.

Earn discounts on auto insurance

Auto insurance is neither fun to buy or cheap, but you can get discounts that many people don’t even know exist. Some trigger automatically at quote time, but occassionally some discounts must be inquired about before being credited.

  • Discount for Passive Restraints – Options like air bags or automatic seat belts may qualify for discounts of up to 25% or more.
  • Own a Home – Being a homeowner can earn you a little savings because it requires personal responsibility.
  • E-sign – A few companies may give you up to $50 get car insurance on their website.
  • Discount for Life Insurance – Some insurance companies give a lower auto insurance rate if you buy life insurance.
  • Government Employee Discount – Having worked for a branch of the government can save as much as 8% for Caprice insurance depending on your company.
  • Club Memberships – Being in qualifying employment or professional organizations could qualify you for a break on auto insurance.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for Caprice insurance as compared to drivers with claims.
  • No Claim Discounts – Insureds who avoid accidents and claims pay much less in comparison with drivers who are more careless.
  • Discount for Swiching Early – A few larger companies offer discounts for switching policies before your current expiration date. This discount can save up to 10%.
  • Telematics Devices – Insureds who allow their company to analyze where and when they drive by using a telematics device such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.

Drivers should understand that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like all the discounts add up to a free policy, it’s just not the way it works. Any amount of discount will help lower your premiums.

To view auto insurance companies with significant discounts, click this link.

Tricks in auto insurance advertising

Auto insurance companies such as Allstate and Progressive continually stream ads on television and other media. They all seem to advertise claims that people will save if you get a free car insurance quote and switch your auto insurance coverage to their company. How is it plausible that every one can sell you cheaper insurance coverage? Here is the trick they use.

Most companies have specific criteria for a prospective insured that earns them the most money. One example of a driver they prefer should be between the ages of 30 and 50, owns their home, and has great credit. A customer who matches those parameters will get a cheap rate quote and most likely will save quite a bit of money when switching.

Insureds who do not match the requirements will probably be forced to pay higher premium rates and ends up with the customer buying from someone else. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. This is how insurance companies can confidently make it sound like they have such great car insurance rates.

Because of this risk profiling, drivers should compare as many free car insurance quotes as you can. It’s impossible to know the company that will fit your personal profile best.

Tailor your insurance coverage coverage to you

When buying coverage, there really is no best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

  • Am I covered when delivering products for my home-based business?
  • Are my friends covered when driving my car?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I getting all the discounts available?
  • Are my friends covered when driving my 1996 Chevy Caprice?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

The coverage is in the details

Understanding the coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like dental work, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, hitting a deer, theft, damage from flooding and a broken windshield. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

This provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, court costs, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Never pay more for less

While you’re price shopping online, do not buy poor coverage just to save money. In too many instances, consumers will sacrifice liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best cost while still protecting your assets.

We’ve covered some good ideas how you can lower your 1996 Chevy Caprice insurance prices. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the most savings is with a smaller regional carrier. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

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