How Much Does 1995 Chevrolet Camaro Car Insurance Cost?

Drivers have a choice when trying to find the best price on Chevy Camaro insurance. They can either waste time contacting agents trying to get quotes or use the internet to make rate comparisons.

There are more efficient ways to shop for auto insurance and you need to know the quickest way to quote coverages for a new or used Chevy and find the best price possible from both online companies and local agents.

It’s smart to quote other rates before your next renewal because auto insurance rates trend upward over time. Just because you had the best premium rates for Camaro coverage a year ago you will most likely find a better price today. Ignore everything you know about auto insurance because you’re about to learn the right way to find lower rates on auto insurance.

The best way to compare insurance rates in your area is to realize most insurance companies allow for online access to quote your coverage. The one thing you need to do is give the companies some data including your occupation, your credit rating estimate, how much you drive, and deductibles desired. That rating data is then sent to multiple companies and you will receive price estimates instantly to find the best rate.

To start a quote now, click here and find out if you can get cheaper insurance.

Save money with discounts

Auto insurance is not an enjoyable expense, but you may qualify for discounts that can dramatically reduce your bill. Some trigger automatically when you get a quote, but some need to be specially asked for prior to getting the savings.

  • Save with More Vehicles Insured – Buying a policy with multiple vehicles on a single policy can get a discount for every vehicle.
  • Discounts for New Vehicles – Insuring a new car can get you a discount compared to insuring an older model.
  • Student in College – Older children who are attending college and won’t have access to an insured vehicle can receive lower rates.
  • Defensive Driving Course – Taking part in a defensive driver class could possibly earn you a 5% discount and make you a better driver.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Discount for Low Mileage – Driving less can earn slightly better prices than normal.
  • Waiver for an Accident – This one is not really a discount per se, but companies like State Farm and GEICO will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • E-sign – Many companies provide a small discount just for signing your application on their website.

While discounts sound great, it’s important to understand that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A list of companies and a partial list of their discounts are detailed below.

  • State Farm may include discounts for passive restraint, student away at school, multiple autos, safe vehicle, good driver, and anti-theft.
  • GEICO includes discounts for good student, multi-vehicle, membership and employees, air bags, defensive driver, anti-theft, and military active duty.
  • Liberty Mutual may offer discounts for good student, new vehicle discount, newly married, multi-policy, teen driver discount, and newly retired.
  • The Hartford has savings for driver training, anti-theft, good student, bundle, air bag, vehicle fuel type, and defensive driver.
  • MetLife policyholders can earn discounts including good driver, accident-free, good student, defensive driver, and claim-free.
  • Progressive offers discounts for homeowner, online signing, multi-vehicle, multi-policy, online quote discount, continuous coverage, and good student.

When getting a coverage quote, ask each company or agent to give you their best rates. Discounts might not apply in your area.

What is the best insurance coverage?

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether you might need professional guidance.

  • Can I rent a car in Mexico?
  • Do I need replacement cost coverage?
  • Should I buy additional glass protection?
  • What is no-fault insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

What car insurance coverages do you need?

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Camaro.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Collision coverage protection

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

Collision can pay for claims such as crashing into a building, hitting a parking meter, sideswiping another vehicle, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, falling objects, a tree branch falling on your vehicle, theft and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses like pain medications, surgery and hospital visits. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Liability coverage

Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, bail bonds, emergency aid, medical expenses and funeral expenses. How much liability should you purchase? That is your choice, but buy higher limits if possible.