1991 Chevrolet Camaro Insurance Rates – 8 Tips for Cheaper Quotes

Buying discount auto insurance on the web might seem somewhat difficult for online price comparisons. With so many insurers to choose from, how are vehicle owners able to have time to compare every company to locate cheaper auto insurance prices?

Consumers need to get comparison quotes periodically because auto insurance prices tend to go up over time. Despite the fact that you may have had the lowest rates for Camaro insurance a couple years back you will most likely find a better premium rate today. There is a lot of bad advice regarding auto insurance out there, but in just a couple of minutes you can learn some great ways to lower your auto insurance bill.

How to compare auto insurance quotes

Most larger insurance companies like State Farm and Allstate allow you to get price estimates online. Comparing prices online is easy for anyone because it’s just a matter of typing in your coverage information as requested by the quote form. Once entered, the system orders your driving and credit reports and quotes a price based on these factors.

Quoting online makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it’s necessary to have as many quotes as possible in order to get the lowest auto insurance rates.

The better way to compare rates

A quicker way to find lower prices utilizes a single form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons a little more enjoyable. After sending your information, your coverage is rated and you can select any of the quotes that you receive.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To save time and find out how much you’re overpaying now, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you enter coverages and limits identical to your current policy. This way, you will get comparison quotes based on identical coverages.

Insurance advertisements

Companies like State Farm and Allstate regularly use ads on TV and radio. All the ads seem to make the promise about how much you will save if you get a free car insurance quote and switch your policy. But how can every company charge lower premium rates?

Most companies have a preferred profile for the type of driver that makes them money. For example, a profitable customer may be over the age of 50, has a clean driving record, and drives a lower-performance vehicle. A customer who meets those qualifications will qualify for the lowest car insurance rates and will most likely save when switching.

People who do not match the “perfect” profile will see a higher premium which usually ends up with the customer not buying. If you listen closely, the ads state “people who switch” not “all people who quote” save money. This is how insurance companies can confidently claim big savings.

This really illustrates why it is so important to get car insurance quotes as often as possible. You cannot predict which insurance company will have the lowest rate quotes.

Eight discounts to earn lower-cost insurance coverage rates

Buying insurance coverage is not cheap, but there could be available discounts that you may not even know about. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be asked for before being credited.

  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in school or through a local driver safety program.
  • Claim Free – Insureds with no claims or accidents get the best insurance coverage rates as compared to drivers who are more careless.
  • Discount for Home Ownership – Just being a homeowner may earn you a small savings because it requires a higher level of personal finance.
  • Auto/Home Discount – If you insure your home and vehicles with one company you could save up to 20% and get you cheaper car insurance.
  • New Vehicle Savings – Buying insurance on a new vehicle can save you some money since new vehicles are generally safer.
  • Defensive Driver Discounts – Taking time to complete a driver safety class may get you a small discount and easily pay for the cost of the class.
  • Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your car insurance quote.
  • Discount for Life Insurance – Insurance coverage companies who offer life insurance give better prices if you take out life insurance from them.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Popular insurance coverage companies and a partial list of their discounts are detailed below.

  • State Farm offers discounts for good student, Drive Safe & Save, safe vehicle, good driver, defensive driving training, and driver’s education.
  • Farmers Insurance has discounts for business and professional, electronic funds transfer, bundle discounts, teen driver, switch companies, distant student, and multi-car.
  • Progressive may include discounts for online signing, multi-policy, homeowner, multi-vehicle, continuous coverage, and good student.
  • GEICO may offer discounts for daytime running lights, good student, anti-theft, driver training, multi-vehicle, air bags, and anti-lock brakes.
  • Auto-Owners Insurance discounts include paid in full, good student, paperless, multi-policy, group or association, and safe driver.
  • The Hartford has savings for defensive driver, air bag, vehicle fuel type, driver training, bundle, anti-theft, and good student.
  • Farm Bureau offers discounts including driver training, renewal discount, 55 and retired, good student, youthful driver, multi-policy, and safe driver.
  • USAA may have discounts that include military installation, annual mileage, defensive driver, driver training, new vehicle, vehicle storage, and loyalty savings.

When comparing rates, check with each company or agent to apply every possible discount. Depending on the company, some discounts might not apply in your area. To view insurers who offer online insurance coverage quotes, click here.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

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

  • Is there coverage for injuries to my pets?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered by my spouse’s policy after a separation?
  • How does medical payments coverage work?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why am I required to buy high-risk coverage?
  • Is a blown tire covered by insurance?
  • When can my company non-renew my policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from getting keyed and theft. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

This pays for damage to your Camaro resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability

Liability coverage protects you from damage or injury you incur to other people or property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as legal defense fees, repair costs for stationary objects, funeral expenses and court costs. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for X-ray expenses, ambulance fees, doctor visits, prosthetic devices and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Buy online or local, you save

In this article, we presented some good ideas how to reduce 1991 Chevy Camaro insurance car insurance rates online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance coverage comes from some of the lesser-known companies.

Cheaper insurance coverage can be sourced online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some companies don’t offer the ability to get quotes online and most of the time these smaller companies only sell through independent agents.

When getting car insurance quotes online, don’t be tempted to skimp on coverage in order to save money. There have been many cases where an accident victim reduced liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at the best cost.

To learn more, feel free to visit the resources below: