1995 Chevrolet Caprice Insurance Rates – 8 Ways to Save

Vehicle owners who just recently started comparing car insurance rates online are likely to discover sourcing cheaper auto insurance is harder than it should be.

The easiest way to compare policy rates takes advantage of the fact auto insurance companies allow for online access to provide you with a free rate quote. To begin a comparison, all you need to do is give them rating details like an estimate of your credit level, the make and model of your vehicles, whether you are single or married, and if it has an anti-theft system. Your details is then submitted to many highly-rated insurers and you will get price comparisons instantly to find the best rate.

Auto insurance quotes and discounts

Some insurers do not list every discount they offer very clearly, so here is a list both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

• Multi-Vehicle Discounts – Insuring multiple cars on a single policy may reduce the rate for each vehicle.
• E-sign – A few larger companies will discount your bill up to fifty bucks for buying your policy on the web.
• Good Student – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
• College Student – Older children who are enrolled in a college that is more than 100 miles from home and leave their car at home could qualify for this discount.
• Telematics Discount – Insureds who allow companies to scrutinize when and where they use their vehicle remotely such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as they are good drivers.
• Discounts for New Vehicles – Buying a new car model can cost up to 25% less compared to insuring an older model.
• Good Driver Discounts – Insureds without accidents may receive a discount up to 45% for Caprice coverage than less cautious drivers.
• Military Rewards – Having a family member in the military could qualify you for better premium rates.

As is typical with insurance, some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free auto insurance policy, you aren’t that lucky.

Large auto insurance companies and their offered discounts can be found below.

• State Farm offers discounts for good driver, multiple policy, safe vehicle, passive restraint, good student, and Steer Clear safe driver discount.
• Liberty Mutual may offer discounts for new graduate, newly married, teen driver discount, multi-car, preferred payment discount, newly retired, and new move discount.
• American Family may include discounts for accident-free, defensive driver, good student, TimeAway discount, early bird, and air bags.
• Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, homeowner, online signing, online quote discount, and multi-policy.
• Farmers Insurance discounts include teen driver, multi-car, early shopping, electronic funds transfer, and alternative fuel.
• Auto-Owners Insurance offers discounts including safe vehicle, safe driver, air bags, good student, paid in full, and mature driver.
• SAFECO has discounts for multi-car, accident prevention training, safe driver, anti-theft, teen safe driver, and homeowner.

Double check with each company how you can save money. Some discounts may not apply to policies in every state.

Situations that may require an agent’s advice

When it comes to choosing coverage, there really is no one size fits all plan. Each situation is unique.

For instance, these questions might help in determining if you might need professional guidance.

• Am I covered when pulling a rental trailer?
• Can I rent a car in Mexico?
• Is other people’s property covered if stolen from my vehicle?
• What is the rate difference between pleasure use and commuting?
• When can my company non-renew my policy?
• Is my camper covered by my car insurance policy?
• Can my babysitter drive my car?
• Do I need more liability coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form.

Insurance coverages and their meanings

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Caprice.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, damage from a tornado or hurricane and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This pays for damage to your Caprice resulting from colliding with an object or car. 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 rolling your car, crashing into a building, hitting a parking meter, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability – Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like funeral expenses, structural damage, legal defense fees and bail bonds. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, ambulance fees and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay