1994 Chevrolet Caprice Car Insurance Cost – 8 Savings Tips

Are you sick and tired of sacrificing other expenses to make your insurance coverage payment? You have the same problem as millions of other vehicle owners. Due to the large number of online and local companies to choose from, it can be hard to choose the lowest cost insurance coverage provider.

How to compare free car insurance rate quotes

Reducing your 1994 Chevy Caprice insurance rates is pretty simple and can save money. All that’s required is to take the time to compare free insurance quotes online with multiple companies. This is very easy and can be done in several different ways.

The first (and easiest) way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating separate quotes for every car insurance company. One quote request will get you rate comparisons direct from many companies.

Another way to get comparison quotes requires a visit to the website for every company you want to comare to complete a price quote. For sake of this example, let’s say you need rates from Auto-Owners, Esurance and Allstate. In order to compare rates, you need to spend time going to each site individually and repeatedly type in your coverage information, which is not fast way to get rate quotes.

For a list of links to companies insuring cars in your area, click here.

The last method to find and compare rates is making phone calls or going to local insurance agencies. Quoting and buying insurance online eliminates the middleman unless you have a complicated situation and need the professional assistance of an agent trained in personal lines coverage. You can, however, compare the best prices online but purchase the actual policy in an agency.

Whichever way you use, be sure you’re using equivalent deductibles and coverage limits with every price quote. If each company quotes mixed coverages you can’t possibly truly determine the lowest rate.

Save with with these eight discounts

Insurance can be prohibitively expensive, but you can get discounts that many people don’t even know exist. Some discounts will apply when you get a quote, but a few must be inquired about in order for you to get them. If you aren’t receiving every discount possible, you’re paying more than you need to.

• Claim-Free Discount – Insureds who avoid accidents and claims have much lower rates compared to drivers who are more careless.
• Braking Control Discount – Cars and trucks equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
• Good Driver Discount – Drivers without accidents may save up to 50% more on Caprice coverage compared to rates paid by drivers with frequent claims.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
• Defensive Driver – Taking part in a course that instructs on driving safety can save you 5% or more if you qualify.
• College Student – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
• Discounts for Multiple Vehicles – Buying insurance for multiple cars on the same insurance policy can reduce the rates for all insured vehicles.
• Discounts for Federal Employees – Active or former government employment may reduce rates when you quote insurance on Caprice coverage with a few insurance companies.

You should keep in mind that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount will positively reduce your policy premium.

Some of the insurance companies who might offer these benefits may include but are not limited to:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

Double check with every insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your state. If you would like to choose from a list of insurers with significant discounts, click this link.

Your situation helps dictate your coverage

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can aid in determining whether you could use an agent’s help.

• Where can I find DUI or SR-22 insurance?
• Am I covered by my spouse’s policy after a separation?
• Should I have a commercial auto policy?
• What exactly is covered by my policy?
• Is rental equipment covered for theft or damage?
• Do I need replacement cost coverage on my 1994 Chevy Caprice?
• Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Car insurance policy coverages for a 1994 Chevy Caprice

Understanding the coverages of your car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Collision protection

This covers damage to your Caprice resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Caprice.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability

Liability coverage will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as loss of income, bail bonds, pain and suffering, medical expenses and medical services. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, damage from getting keyed and hail damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses for things like dental work, chiropractic care and EMT expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage