Cheaper 1993 Chevrolet Caprice Car Insurance Rates

Nobody that owns a car likes having to buy auto insurance, especially knowing the cost is too high. Companies like State Farm, Progressive and Geico increase brand awareness with TV and radio ads and it is difficult to sift through the bull and take the time to shop coverage around.

It’s important to price shop coverage once or twice a year since insurance prices are constantly changing. If you had the best rates on Caprice coverage two years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because it’s time to teach you the only way to remove unneeded coverages and save money.

If you have a current car insurance policy or are just looking to switch companies, you can learn to find better prices and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the proper way to find the lowest price online.

Shop insurance coverage online

There are multiple methods you can shop for insurance coverage but there is one way that is less labor-intensive and much quicker. You can waste hours discussing policy coverages with agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Many of the larger companies belong to an insurance system where insurance shoppers only type in their quote data once, and every company returns a rated price. This prevents consumers from doing repetitive form submissions to each company.

To get comparison pricing now click here to start a free quote.

One minor caviat to using this type of form is that you can’t choose which providers to get pricing from. If you would rather choose from a list of companies to receive pricing from, we have a listing of insurance coverage companies in your area. Click here to view list.

It’s your choice how you get your quotes, but compare apples-to-apples coverage limits and deductibles for each quote you get. If the quotes have different coverage information it will be next to impossible to determine the lowest rate for your Chevy Caprice.

Slash your insurance rates with discounts

Some insurers do not advertise all available discounts in a way that’s easy to find, so here is a list a few of the more well known and the more hidden credits available to bring down your rates.

  • Good Student Discount – This discount may save as much as 25% on a car insurance quote. You can use this discount normally up until you turn 25.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up can save 10% or more off the medical payments premium.
  • No Claims – Insureds with no claims or accidents can earn big discounts as compared to accident-prone drivers.
  • Service Members Pay Less – Having an actively deployed family member could mean lower insurance rates.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance with one company you will save approximately 10% to 15%.

Discounts lower rates, but many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will help reduce your overall bill.

The best insurance companies and a selection of discounts are:

  • State Farm has savings for multiple autos, Steer Clear safe driver discount, accident-free, driver’s education, safe vehicle, good driver, and anti-theft.
  • American Family offers discounts including TimeAway discount, defensive driver, Steer into Savings, good student, and early bird.
  • AAA includes discounts for good student, AAA membership discount, multi-car, multi-policy, good driver, and anti-theft.
  • Geico may have discounts that include multi-policy, multi-vehicle, five-year accident-free, driver training, and military active duty.
  • Mercury Insurance has discounts for good driver, location of vehicle, accident-free, multi-policy, professional/association, and age of vehicle.
  • Farmers Insurance may include discounts for electronic funds transfer, teen driver, youthful driver, multi-car, and good student.
  • Progressive offers premium reductions for good student, online signing, multi-policy, homeowner, continuous coverage, online quote discount, and multi-vehicle.

If you are trying to find the cheapest car insurance quotes, ask each insurance company which discounts you may be entitled to. Savings may not be available everywhere.

You are unique and your car insurance should be too

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help highlight whether you would benefit from professional advice.

  • Should I bundle my homeowners policy with my auto?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is the rate difference between pleasure use and commuting?
  • Is a blown tire covered by insurance?
  • If my 1993 Chevy Caprice is totaled, can I afford another vehicle?
  • Am I covered if I crash into my own garage door?
  • Do I need added coverage for expensive stereo equipment?
  • Are rental cars covered under my policy?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Insurance policy specifics

Learning about specific coverages of insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your 1993 Chevy Caprice.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like surgery, prosthetic devices, hospital visits, EMT expenses and dental work. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, vandalism, hail damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage – This can cover damage or injury you incur to people or other property in an accident. This coverage 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: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like repair costs for stationary objects, emergency aid and bail bonds. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, sustaining damage from a pot hole, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

One last thing about your coverage

As you restructure your insurance plan, never reduce needed coverages to save money. Too many times, an insured dropped collision coverage and learned later that they should have had better coverage. Your goal should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

You just learned some good ideas how you can save on 1993 Chevy Caprice insurance. It’s most important to understand that the more you quote car insurance, the better your comparison will be. You may be surprised to find that the lowest priced insurance coverage comes from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like State Farm, Geico and Nationwide.

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