Cheaper 1997 Chevrolet Camaro Car Insurance Cost

Want cheaper insurance rates for your Chevrolet Camaro? Trying to find cheaper insurance for a Chevy Camaro can be a painful process, but you can use a few tricks to save time. There is a better way to compare insurance rates and you need to know the proper way to quote coverages for a new or used Chevy and obtain the lowest possible price from local insurance agents and online providers.

It’s a good idea to compare rates every six months because insurance rates are rarely the same from one policy term to another. Just because you found the best price for Camaro insurance six months ago there may be better deals available now. There is too much inaccurate information about insurance online, so by reading this article, you’re going to learn a bunch of ideas how to stop overpaying for insurance.

Buying car insurance is easy if you know what you’re doing. If you have a current car insurance policy or are shopping for new coverage, you can use this information to find the best rates and possibly find even better coverage. Vehicle owners just need to learn the most effective way to shop on the web.

Compare Insurance Costs

Getting a cheaper price on 1997 Chevy Camaro insurance isn’t really that difficult. Drivers just need to take the time comparing rate quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

  • One of the simplest ways to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing separate forms for each company you want a rate for. One quote request will get you price quotes from multiple companies. This is perfect if you don’t have a lot of time.
  • A less efficient way to get quotes online is to take the time to go to the website of each company to complete a price quote. For examples sake, let’s assume you want comparison quotes from Progressive, GEICO and State Farm. To get each rate you have to visit each site and enter your information, which is why most consumers use the first method.

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

  • The hardest way to compare rates is to drive around to and from local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the trained guidance only provided by licensed agents. However, consumers can compare the best prices online and get advice from an agent in your area and we’ll touch on that later.

It’s up to you which method you use, but make darn sure you compare exactly the same information for each price quote. If each company quotes different deductibles you will not be able to determine the lowest rate for your Chevy Camaro.

These discounts can lower your rates

Companies offering auto insurance do not advertise all available discounts very well, so we break down both well-publicized as well as the least known insurance coverage savings. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Sign Online – Some insurance companies give back up to $50 just for signing your application online.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • Defensive Driver – Successfully completing a driver safety course could save 5% or more if you qualify.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you can get free auto insurance, it just doesn’t work that way.

For a list of insurers offering insurance coverage discounts, follow this link.

Different people need different coverages

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

For example, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Does insurance cover tools stolen from my truck?
  • Is my 1997 Chevy Camaro covered for smoke damage?
  • Do I really need UM/UIM coverage?
  • When can I cancel my policy?
  • When does my teenage driver need to be added to my policy?
  • Is extra glass coverage worth it?
  • Is other people’s property covered if stolen from my vehicle?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

These factors can influence what you pay for Chevy Camaro insurance

It’s important that you understand some of the elements that play a part in calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with big savings.

  • Protect yourself with liability coverage – Liability insurance will protect you if a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
  • Never go without insurance – Allowing your coverage to lapse will be a sure-fire way to bump up your car insurance costs. Not only will you pay more, but not being able to provide proof of insurance might get you a revoked license or a big fine.
  • More people means more accidents – Living in a small town has it’s advantages when buying car insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers tend to have congested traffic and longer commutes to work. Longer commute distances means higher likelihood of an accident.

Insurance coverage specifics

Understanding the coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability coverage

Liability coverage will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

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

Liability coverage protects against claims like medical expenses, funeral expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as much as you can afford.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, driving through your garage door, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Uninsured or underinsured coverage

This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Chevy Camaro.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, vandalism, theft and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for pain medications, funeral costs and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Shop Smart and Save

While you’re price shopping online, do not sacrifice coverage to reduce premiums. In many cases, an accident victim reduced uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Drivers who switch companies do it for any number of reasons including denial of a claim, policy non-renewal, poor customer service or even high prices. No matter why you want to switch, finding a new insurance company is easier than you think.

You just read a lot of ways to reduce 1997 Chevy Camaro insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

Additional detailed information is available by following these links: