Compare 1995 Chevrolet Caprice Car Insurance Rates

Finding better insurance prices for your Chevy Caprice can turn out to be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to buy insurance coverage and we’ll show you the absolute fastest way to get price quotes for a new or used Chevy and find the cheapest rates from both online companies and local agents.

You need to compare prices once or twice a year because prices trend upward over time. Even if you got the best deal on Caprice insurance at your last renewal there is a good chance you can find better premium rates now. Block out anything you think you know about insurance coverage because we’re going to demonstrate one of the quickest ways to find the best coverage while lowering your premiums.

Take advantage of every insurance discount

Insurance is not an enjoyable expense, but there could be available discounts that you may not even know about. Some trigger automatically at the time you complete a quote, but some may not be applied and must be specially asked for before you get the savings.

• Government Employee Discount – Active or retired federal employment could provide a small rate reduction on Caprice insurance with some insurance companies.
• Anti-lock Brakes – Cars that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and earn discounts up to 10% off your car insurance quote.
• Auto/Home Discount – If you insure your home and vehicles with the same company you could save 10% to 20% off each policy.
• Driving Data Discount – Drivers that enable their company to analyze driving manner by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they exhibit good driving behavior.
• Good Grades Discount – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
• Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less due to better safety requirements for new vehicles.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you could get a free insurance policy, nobody gets a free ride.

Some of the insurance companies that may offer quotes with most of the discounts above possibly include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

If you are trying to find low cost car insurance quotes, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not apply in your area. If you would like to choose from a list of insurers that offer multiple discounts, click here.

How do insurers determine Chevy Caprice insurance rates?

Many different elements are used when quoting car insurance. Some factors are common sense such as your driving history, but some are not quite as obvious such as your marital status or how safe your car is.

• Bump up deductibles to lower rates – Physical damage protection, also called ‘full coverage’, insures against damage to your Chevy. Examples of covered claims could be running into the backend of another car, flood damage, and damage from a fallen tree branch. Comp and collision deductibles tell how much the insured will be required to pay before a claim is paid by your company. The higher the amount you’re willing to pay, the lower your rates will be on Caprice insurance.
• Your stress level may be raising your prices – Did you know that where you work can have an impact on rates? Careers such as military generals, architects and accountants have higher premium rates due to intense work-related stress and long work hours. On the flip side, jobs such as professors, engineers and homemakers generally pay rates lower than average on Caprice insurance.
• Traffic violations are costly – Your driving citation history can have a huge impact on auto insurance premiums. Drivers with clean records pay lower auto insurance prices than bad drivers. Getting just one ticket may increase your cost twenty percent or more. People who have careless violations such as DUI or reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
• Where you call home is a factor – Having an address in less populated areas is a good thing when buying insurance. People in densly populated areas tend to have more road rage incidents and a longer drive to work. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
• Five star crash test rating saves money – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety result in less severe injuries and fewer serious injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Chevy is rated at least four stars on Safercar.gov it may cost less to insure.
• Drivers with responsible credit save – Having a good credit score can be an important factor in calculating your premium rate. Therefore, if your credit history can use some improvement, you could be paying less to insure your 1995 Chevrolet Caprice by improving your rating. Drivers who have high credit scores tend to file fewer claims than those with bad credit.
• Policy lapses lead to higher premiums – Driving any period of time without insurance is illegal and insurance companies will penalize you for letting your insurance coverage expire. Not only will you pay more, being ticketed for driving with no insurance may earn you a steep fine or even jail time.
• Lower rates with alarms and GPS tracking – Choosing a vehicle that has a built-in theft deterrent system can save you a little every year. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft and help bring rates down.

How to know if you need help

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

For example, these questions may help highlight if you would benefit from professional advice.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• When would I need additional glass coverage?
• Why is insurance for a teen driver so high?
• When should I not file a claim?
• Can I get a multi-policy discount?
• Which is better, split liability limits or combined limits?
• Can I still get insurance after a DUI?
• Can I make deliveries for my home business?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Car insurance 101

Learning about specific coverages of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

Liability

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as loss of income, funeral expenses, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Caprice.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, falling objects and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

This covers damage to your Caprice resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses for dental work, surgery and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Saving money makes a lot of cents

As you quote car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find at the best cost.

We just presented many ideas to reduce 1995 Chevy Caprice insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. You may even discover the most savings is with some of the lesser-known companies.

Budget-friendly insurance coverage can be found online and with local insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who don’t offer online price quotes and these small, regional companies sell through local independent agencies.

More detailed insurance coverage information can be found by following these links:

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Bodily Injury Coverage (Liberty Mutual)
• Choosing an Insurance Company (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Crash Avoidance Technologies FAQ (iihs.org)