Save on 1990 Chevrolet Caprice Insurance Rates

Trying to find the cheapest insurance coverage rates for your Chevrolet Caprice? Tired of not being able to scrape enough together each month for insurance coverage? Your situation is no different than many other consumers.

Due to the large number of online and local companies to choose from, it can be hard to choose the lowest cost insurance coverage company.

You should make it a habit to take a look at other company’s rates occasionally because insurance rates are rarely the same from one policy term to another. Just because you found the lowest rate on Caprice insurance a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you the easiest way to save on insurance coverage.

Auto insurance quotes comparison

Most companies allow consumers to get price estimates on their websites. Getting prices online is quite simple because it’s just a matter of typing in the amount of coverage you want as requested by the quote form. Once entered, their quoting system will obtain your driving record and credit report and generates a price. Online price estimates makes it simple to compare prices but the work required to visit many different websites and type in your information can be a bit tiresome and repetitive. But it’s also necessary to perform this step if you want to get better prices.

The better way to compare rates

The smarter way to compare auto insurance pricing uses one simple form to get prices from a lot of companies. The form is fast, reduces the work, and makes online shopping much more enjoyable. Once the form is submitted, it is rated and you can select your choice of the quotes returned.

If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

In order to compare rates now, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you input the coverages just like they are on your policy. Doing this assures you will have rate comparison quotes for similar insurance coverage.

Are you earning every discount?

Buying insurance is not cheap, but you might be missing out on some discounts to help offset the cost. A few discounts will be applied at the time you complete a quote, but occassionally some discounts must be specially asked for in order for you to get them.

  • Braking Control Discount – Cars equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Good Student Discount – Performing well in school may save you up to 25%. The good student discount can last up to age 25.
  • Discounts for Government Workers – Active or former government employment could cut as much as 10% off on Caprice insurance depending on your insurance provider.
  • Accident Forgiveness Coverage – This one isn’t a discount, but companies like Progressive, Allstate, and Geico permit an accident without raising rates if you have no claims prior to being involved in the accident.
  • Drive Less and Save – Fewer annual miles on your Chevy may allow you to get slightly better premium rates than normal.
  • Renewal Discounts – Select companies give a discount for buying a new policy prior to your current policy expiration. It could save around 10% when you buy auto insurance online.

Don’t be surprised that some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, you’re out of luck. But any discount should help reduce the cost of coverage.

To choose companies with discount rates, click here.

When in doubt talk to an agent

When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions may help you determine whether or not you could use an agent’s help.

  • When would I need rental car insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Why am I required to buy liability insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Who is covered when they drive my 1990 Chevy Caprice?
  • What is UM/UIM insurance?
  • Should I have a commercial auto policy?
  • Am I covered by my spouse’s policy after a separation?
  • What if I total my 1990 Chevy Caprice and owe more than it’s worth?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

How do insurance providers determine Chevy Caprice insurance costs?

Lots of factors are used when you get a price on insurance. Some are pretty understandable like a motor vehicle report, although some other factors are less obvious such as your marital status or how safe your car is.

  • Consider raising comp and collision deductibles – Deductibles for physical damage are the amount of money you are willing to pay in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered could be collision with another vehicle, vandalism, and having a roll-over accident. The more expense you have to pay, the lower your rates will be on Caprice insurance.
  • Traffic violations are costly – How you drive influences premium rates substantially. Drivers who don’t get tickets pay less for auto insurance as compared to those with violations. Only having one chargable violation can boost insurance rates twenty percent or more. Drivers who have license-revoking tickets like reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with their state motor vehicle department in order to continue driving.
  • Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles engineered for safety result in less severe injuries and fewer serious injuries translates into savings for insurance companies and cheaper rates on your policy.
  • Gender and car insurance prices – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that females are better drivers. Females and males tend to get into auto accidents at a similar rate, but the male of the species get into accidents with more damage. Not only that, but men also receive more costly citations like driving under the influence (DUI). Male teenagers cause the most accidents and are penalized with high auto insurance rates.
  • Do you need those incidental coverages? – There are quite a few optional add-on coverages that may not really be needed when buying auto insurance. Things like rental car reimbursement, accidental death, and term life insurance may not be needed and are just wasting money. These coverages may sound good when buying your policy, but now you might not need them so eliminate them to save money.
  • Amount of liability protection – Liability coverage will provide protection if you are ruled to be at fault for causing damage or personal injury in an accident. This coverage provides legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Do you save by driving less? – The more miles you rack up on your Chevy in a year’s time the more you will pay for auto insurance. Most companies charge to insure your cars partially by how you use the vehicle. Cars that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Caprice is throwing money out the window. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage.
  • Single drivers may pay more – Walking down the aisle may save some money on your auto insurance policy. Having a spouse usually means you are more mature and responsible and insurance companies reward insureds because married drivers tend to file fewer claims.

Is there deception in advertising?

Respected companies like State Farm, Allstate and Geico constantly bombard you with television and radio advertisements. They all seem to seem to make the promise that you’ll save big if you get a free auto insurance quote and switch your coverage. How does every car insurance company say the same thing?

Insurance companies give the best rates for the type of driver that will generate a profit. One example of a driver they prefer should be between the ages of 30 and 50, has had continuous coverage, and does not commute to work. A propective insured who matches that profile may get the lowest prices and will also pay quite a bit less when switching companies.

Potential customers who don’t qualify for these stringent criteria may receive higher prices and this can result in the customer buying from someone else. The ads state “people that switch” but not “everyone who gets a quote” save that much. That is how insurance companies can confidently advertise the way they do.

Because of the profiling, drivers must do a rate comparison at every renewal. It’s just too difficult to predict which car insurance company will provide you with the cheapest prices.

Auto insurance policy coverages for a Chevy Caprice

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.

Coverage for liability

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like emergency aid, medical services, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision insurance

This pays for damage to your Caprice resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, rolling your car, hitting a mailbox, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage kick in for bills for things like prosthetic devices, dental work and chiropractic care. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Chevy Caprice.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, falling objects, theft, a tree branch falling on your vehicle and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

And the best car insurance company is…

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where someone dropped full coverage and learned later they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best possible price while still protecting your assets.

We just presented a lot of information how to get a better price on 1990 Chevy Caprice insurance. The most important thing to understand is the more times you quote, the higher your chance of finding low cost auto insurance. Consumers could even find that the lowest rates are with an unexpected company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Geico and State Farm.

Discount 1990 Chevy Caprice insurance is attainable online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer price quotes online and many times these small, regional companies prefer to sell through independent insurance agencies.

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