Lower Your 1999 Chevrolet Camaro Insurance Quotes

Want lower insurance rates? Drivers have options when trying to find affordable Chevy Camaro insurance. They can either waste time struggling with agents to compare prices or leverage the internet to get rate quotes.

There is a better way to shop for insurance and you need to know the best way to compare rates for a Chevy and get the best price possible from local insurance agents and online providers.

If you have a policy now or are shopping for new coverage, you can use this information to find better prices while maintaining coverages. This article will help educate you on the best way to quote coverages. Consumers just need to know the most effective way to compare prices online.

How to Compare Insurance Costs

There are multiple methods you can shop for 1999 Chevy Camaro insurance but one way is less time-consuming than others. You could waste time driving to agents in your area, or you can utilize online quoting to quickly compare rates.

The majority of car insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and every company provides a quote based on that information. This prevents consumers from doing quotation requests for each company you want a rate for.

To find out what other companies charge for 1999 Chevy Camaro insurance click here (opens in new window).

The only downside to getting quotes like this is that you can’t choose the providers to receive prices from. So if you want to choose specific insurance companies to compare prices, we put together a list of insurance companies in your area. Click to view list.

However you get your quotes, double check that you are using the exact same information on every quote you get. If you are comparing different limits and deductibles on each one it’s impossible to determine the lowest rate for your Chevy Camaro.

Is there deception in advertising?

Consumers can’t get away from ads for the lowest price auto insurance by companies like 21st Century, Allstate and State Farm. They all seem to have a common claim of big savings if you switch to them.

But how can every company make almost identical claims? This is how they do it.

Different companies have a preferred profile for the right customer that makes them money. An example of a preferred risk could be a mature driver, has no driving citations, and drives newer vehicles. Any driver who fits that profile receives the best rates and therefore will pay quite a bit less when switching companies.

Drivers who are not a match for this ideal profile must pay higher premiums which usually ends up with business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully advertise the savings.

This illustrates why you absolutely need to get as many quotes as possible. You cannot predict which insurance companies will have the lowest Chevy Camaro insurance rates.

These factors can influence Chevy Camaro insurance rates

It’s important that you understand some of the elements that help determine your insurance coverage rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in big savings.

The following are a partial list of the pieces insurance coverage companies consider when setting premiums.

  • More miles equals more premium – The more you drive each year the more you will pay for insurance coverage. Most companies apply a rate based on how the vehicle is used. Autos that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Camaro can cost quite a bit. Verify your insurance coverage policy is rated on the correct driver usage.
  • More claims means more premium – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies generally give discounts to drivers who do not file claims often. Car insurance is intended for the large, substantial claims.
  • More people means more accidents – Residing in a small town can save you money when it comes to insurance coverage. Drivers in populated areas have traffic congestion and much longer commute distances. Fewer people means fewer accidents as well as less vandalism and auto theft.
  • Younger drivers pay higher rates – Teenage drivers have a tendency to get distracted easily behind the wheel so insurance coverage rates are higher. Parents adding a teen driver to your policy can break the bank. Older drivers are more responsible, tend to file fewer claims and get fewer tickets.
  • How’s your driving record? – Drivers who don’t get tickets receive lower rates than bad drivers. Only having one ticket can bump up the cost by as much as thirty percent. Drivers with serious tickets such as DUI or reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.

Save on Chevy Camaro insurance

Insuring your fleet can be pricey, but you may find discounts to help bring down the price. Certain discounts will be applied when you quote, but some may not be applied and must be specially asked for before being credited. If you’re not getting every credit available, you are throwing money away.

  • Low Mileage – Fewer annual miles on your Chevy can qualify you for discounted rates on garaged vehicles.
  • Discount for New Cars – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Multiple Cars – Having all your vehicles on the same car insurance policy could earn a price break for each car.
  • Own a Home – Being a homeowner can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will bring down your premiums.

To see a list of insurance companies with the best car insurance discounts, click here.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether you would benefit from professional advice.

  • Where can I find DUI or SR-22 insurance?
  • Do I need replacement cost coverage?
  • Is my babysitter covered when using my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I put collision coverage on all my vehicles?
  • Is my teenager covered with friends in the car?
  • Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Car insurance specifics

Having a good grasp of car insurance can be of help when determining the right coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, rock chips in glass, vandalism and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses for rehabilitation expenses, nursing services, chiropractic care and funeral costs. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, medical expenses, structural damage, bail bonds and court costs. How much coverage you buy is up to you, but consider buying higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your Camaro resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Coverage on a shoestring budget

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. In too many instances, an insured cut full coverage and discovered at claim time that it was a big error on their part. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

In this article, we presented a lot of ways to lower your 1999 Chevy Camaro insurance rates. It’s most important to understand that the more times you quote, the better your comparison will be. Drivers may discover the most savings is with some of the lesser-known companies.

Low-cost insurance can be sourced on the web in addition to many insurance agents, so you should compare both so you have a total pricing picture. A few companies do not provide online price quotes and these small, regional companies work with independent agents.

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