1990 Chevrolet Caprice Car Insurance Cost – 10 Policy Discounts

Trying to find cheaper auto insurance rates for your Chevrolet Caprice? Searching for cheaper insurance for a Chevy Caprice can turn out to be a lot of work, but you can learn these tips to save time. There are both good and bad ways to shop for auto insurance so we’re going to tell you the proper way to quote coverages for a Chevy and obtain the lowest possible price either online or from local insurance agents.

Insurance coverage discounts help lower rates

Insurance coverage can be pricey, but there’s a good chance there are discounts that many people don’t even know exist. Certain discounts will be triggered automatically at quote time, but once in a while a discount must be asked about prior to getting the savings.

• Renewal Discounts – Some insurance coverage companies reward drivers for switching policies prior to your current policy expiration. You can save around 10% with this discount.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it can save substantially.
• Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for better insurance coverage rates on Caprice coverage.
• Professional Memberships – Affiliation with specific professional or occupational memberships or organizations can get you a small discount when shopping for insurance coverage.
• No Charge for an Accident – Not a discount per se, but a handful of insurance companies will let one accident slide without the usual rate increase if you have no claims prior to the accident.
• Telematics Discount – Drivers who agree to allow their insurance coverage company to monitor their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they show good driving skills.
• Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• Distant College Student Discount – Children who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Passive Restraint Discount – Factory air bags may earn rate discounts as much as 30%.
• Buy New and Save – Buying insurance coverage coverage on a new vehicle can cost up to 25% less because newer vehicles are generally safer.

One thing to note about discounts is that some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will positively reduce the amount you have to pay.

Companies and some of their more popular discounts are:

• Travelers may offer discounts for driver training, student away at school, IntelliDrive, multi-policy, and good student.
• 21st Century has discounts for homeowners, good student, driver training, student driver, teen driver, and defensive driver.
• State Farm discounts include Drive Safe & Save, driver’s education, multiple policy, passive restraint, good driver, and defensive driving training.
• Geico has savings for federal employee, multi-vehicle, anti-lock brakes, emergency military deployment, seat belt use, and good student.
• SAFECO may have discounts that include teen safe driver, safe driver, teen safety rewards, anti-lock brakes, and anti-theft.
• AAA may include discounts for good student, multi-policy, anti-theft, good driver, AAA membership discount, pay-in-full, and education and occupation.

Before purchasing a policy, check with every prospective company which credits you are entitled to. Some discounts may not apply to policies in your area. To locate companies with discount insurance coverage rates, click here.

The most recommended method to compare policy rates takes advantage of the fact all the major auto insurance companies will pay a fee to give you rate quotes. The one thing you need to do is provide a little information like the year, make and model of vehicles, if you are currently licensed, driver ages, and coverage limits. Your rating data gets sent immediately to multiple different insurance companies and they return rate quotes with very little delay.

Which is the best auto insurance?

When buying the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

• What is the minimum liability in my state?
• Can my babysitter drive my car?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What happens if I owe more than my 1990 Chevy Caprice is worth?
• Will my insurance pay for OEM parts?
• How high should my medical payments coverage be?
• Is there coverage for injuries to my pets?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Insurance policy specifics

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like surgery, nursing services, doctor visits and funeral costs. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability coverages – Liability insurance protects you from damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like legal defense fees, structural damage and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Collision – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive protection – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, hitting a bird, hitting a deer, a broken windshield and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 1990 Chevy Caprice.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Do the work, save more money

Some insurance providers do not provide rates over the internet and usually these small, regional companies only sell through independent insurance agents. Low-cost 1990 Chevy Caprice insurance can be found online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money.

Consumers leave their current company for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, being labeled a high risk driver and even an unsatisfactory settlement offer. Regardless of your reason, finding a new insurance company is less work than it seems.

In this article, we presented some good ideas how you can compare 1990 Chevy Caprice insurance premium rates online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates are with a small mutual company.

Other information

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Vehicle Insurance (Wikipedia)
• State Car Insurance Guides (Geico)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)