Beginners Guide to Purchasing Car Insurance for a Chevy Caprice

Feel like you’re a prisoner to overpriced car insurance? Don’t sweat it because there are lots of residents who feel the same. Lots of car insurance companies contend for your hard-earned dollar, so it can be very hard to choose a insurer to find the absolute best price available.

If you have car insurance now, you will be able to reduce your rates substantially using these methods. Finding the best rates is quite easy. But consumers should learn how insurance companies sell online and use this information to your advantage.

The quickest way to compare car insurance company rates is to know the fact auto insurance companies will pay a fee to quote your coverage. To start a quote, the only thing you need to do is provide a little information like level of coverage desired, if you have a valid license, distance driven, and an estimate of your credit level. That rating information is then sent to multiple companies and they return cost estimates very quickly.

To start a quote now, click here then complete the form.

Discounts for lower-cost car insurance rates

Not many people think insurance is cheap, but companies offer discounts to help bring down the price. Certain discounts will be applied when you purchase, but lesser-known reductions have to be requested specifically in order for you to get them. If you do not check that you are getting every discount you deserve, you’re just leaving money on the table.

• Discount for Swiching Early – Some car insurance companies provide a discount for renewing your policy prior to your current policy expiring. It’s a savings of about 10%.
• Membership in Organizations – Being a member of certain professional organizations could qualify you for a break when shopping for car insurance.
• Waiver for an Accident – This one is not really a discount per se, but companies like State Farm, Progressive and GEICO will allow you to have one accident before raising your premiums if you are claim-free prior to being involved in the accident.
• Accident Free – Drivers who don’t have accidents pay less in comparison to drivers who are more careless.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if it’s offered in school.
• Distant College Student Discount – College-age children who are attending college and leave their car at home may qualify for this discount.
• Multi-Vehicle Discounts – Buying a policy with several vehicles on a single policy can get a discount on all vehicles.
• Air Bag Discount – Options like air bags may get savings as much as 30%.

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, that’s just not realistic.

Large car insurance companies and some of the discounts include:

• Progressive includes discounts for online signing, multi-vehicle, online quote discount, homeowner, and multi-policy.
• The Hartford may include discounts for defensive driver, air bag, vehicle fuel type, anti-theft, good student, bundle, and driver training.
• Mercury Insurance has discounts for good driver, professional/association, annual mileage, multi-policy, and age of vehicle.
• GEICO may offer discounts for military active duty, daytime running lights, good student, anti-theft, and air bags.
• AAA has savings for multi-car, good student, anti-theft, good driver, education and occupation, multi-policy, and pay-in-full.
• State Farm offers premium reductions for student away at school, passive restraint, accident-free, multiple policy, good driver, and anti-theft.

If you want , ask all companies you are considering which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policies everywhere. To find car insurance companies that offer the discounts shown above, click here.

Smart Buyers Know How to Get Car Insurance at a Discount

Many things are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving record, but some are more transparent like your continuous coverage or how financially stable you are. It’s important that you understand a few of the rating criteria that help determine your car insurance rates. If you understand what controls the rates you pay, this helps enable you to make changes that could result in lower premium levels.

• How your age affects premiums – More mature drivers have been proven to be more responsible, cost insurance companies less in claims , and usually have better credit.Teen drivers are statistically shown to get distracted easily in a vehicle therefore car insurance rates are much higher.
• Buy a safe car and pay less – Safer cars tend to be cheaper to insure. Safer cars reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Chevy Caprice has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Higher deductibles are cheaper – Physical damage insurance, also called ‘full coverage’, covers damage that occurs to your Chevy. Some examples of claims that would be covered could be running into the backend of another car, collision with an animal, and rolling your vehicle. Comprehensive and collision coverage deductibles define how much you are willing to pay out-of-pocket if the claim is covered. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be for Caprice coverage.
• Premiums are affected by your address – Having an address in smaller towns and rural areas of the country can save you money when it comes to car insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas have to deal with congested traffic and much longer commute distances. Longer commute distances means more chances of being involved in an auto accident.
• When should you file a claims? – If you’re an insured who likes to file claims don’t be surprised to see either a policy non-renewal or much higher rates. Auto insurance companies provide the lowest premiums to people who file claims infrequently. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Your gender affects rates – Over time, data shows that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. Both sexes tend to get into at-fault accidents in similar numbers, but the males tend to have higher claims. Not only that, but men also receive more costly citations like reckless driving and DUI. Young males are the most expensive to insure and are penalized with high car insurance rates.
• The more you drive the more you pay – Driving a lot of miles each year the more it will cost to insure it. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Vehicles that do not get driven very much cost less to insure than vehicles that have high annual mileage. Incorrect rating for your Caprice may be costing you higher rates. Double check that your car insurance policy is rated on the correct usage for each vehicle, because it can save money.

Smart consumers save more

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

Low-cost Chevy Caprice insurance can be found on the web as well as from independent agentsinsurance , and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not provide online price quotes and these smaller companies only sell coverage through local independent agents.