How Much Does 1996 Chevrolet Camaro Car Insurance Cost?

Trying to find cheaper car insurance rates for your Chevrolet Camaro? I can’t think of a single person who loves paying for car insurance, particularly when their premiums are through the roof. Big-name insurance companies like State Farm, GEICO and Farmers Insurance constantly bombard you with advertising and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

If you have a policy now or need a new policy, you can learn to find the best rates and still get good coverage. Finding the best rates is not that difficult. Drivers only need to know the proper methods to compare prices on the web.

Insurance quotes comparison

There are a lot of ways to compare insurance quotes, but one way is easier and takes less work. You could waste time driving to agents in your area, or you can stay home and use online quoting to get pricing more quickly.

All the larger companies enroll in a system that enables customers to enter their coverage request one time, and every company provides a quote. This saves time by eliminating repetitive form submissions for every insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to pricing coverage this way is you cannot specify which companies you will receive quotes from. So if you want to select specific providers to compare, we have a page of low cost insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make darn sure you compare the exact same coverage information with each company. If you have unequal deductibles or liability limits it’s impossible to find the best deal for your Chevy Camaro.

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Find hidden discounts on car insurance

Insuring your fleet can be pricey, but you can get discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you get a quote, but a few must be specially asked for before they will apply. If you do not check that you are getting every discount possible, you could be paying more than you need to.

Low Mileage – Keeping the miles down on your Chevy could qualify for slightly better premium rates than normal.
Discounts for Federal Employees – Active or retired federal employment could cut as much as 10% off on Camaro coverage with certain companies.
Passive Restraints and Air Bags – Cars that have air bags can qualify for discounts of 20 to 30 percent.
Use Seat Belts – Drivers who require all occupants to buckle up can save a little on medical payment and PIP coverage.
Driver Training Discounts – Completing a course in defensive driving could earn you a small percentage discount and also improve your driving technique.
No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote when compared with frequent claim filers.
Good Student Discount – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
Military Discounts – Having a family member in the military could trigger a small discount.
Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft so companies will give you a small discount.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like you can get free auto insurance, companies don’t profit that way.

The best car insurance companies and the discounts they provide can be read below.

Progressive policyholders can earn discounts including continuous coverage, online signing, homeowner, multi-policy, multi-vehicle, and good student.
The Hartford may offer discounts for good student, vehicle fuel type, anti-theft, driver training, bundle, and air bag.
Mercury Insurance has discounts for location of vehicle, multi-policy, accident-free, ease of repair, and annual mileage.
GEICO has savings for daytime running lights, seat belt use, air bags, federal employee, driver training, multi-vehicle, and anti-lock brakes.
AAA offers premium reductions for AAA membership discount, good driver, good student, education and occupation, multi-car, and multi-policy.
State Farm offers discounts for Steer Clear safe driver discount, good driver, good student, driver’s education, anti-theft, and multiple autos.

When getting a coverage quote, ask each company or agent the best way to save money. Some credits may not apply to policies in your state. If you would like to choose from a list of companies with discount rates, click here to view.

Chevy Camaro insurance premium factors

Lots of factors are part of the calculation when you quote your car insurance policy. Some factors are common sense such as traffic violations, but other factors are less obvious like where you live or how safe your car is.The best way to find cheaper insurance coverage is to take a look at the different types of things that play a part in calculating the level of your policy premiums. If you know what influences your rates, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.

The items below are a partial list of the pieces companies use to determine your rates.

Stress out and pay more – Did you know your occupation can influence how much you pay for insurance coverage? Careers such as doctorsair traffic controllers and stock brokers generally have higher premium rates because of high stress and lots of time spent away from family. Conversely, jobs such as actors, engineers and performers have the lowest average rates on Camaro coverage.
Get hitched and get cheaper costs – Having a significant other may cut your premiums compared to being single. It may mean you are more responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
Save money with higher physical damage deductibles – Insurance for physical damage to your car, also called comprehensive and collision insurance, protects your Chevy from damage. Some coverage claims are collision with another vehicle, hail damage, and damage caused by flying debris. Comp and collision deductibles define the amount you are willing to pay if the claim is covered. The more money you have to pay, the bigger discount you will receive on Camaro coverage.
Stay claim-free and save money – Companies award the lowest premiums to drivers that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Insurance coverage is designed for larger claims.
Don’t skimp on liability – A critical coverage on your policy, liability insurance provides coverage if ever a court rules you are at fault for damages from an accident. This coverage provides for a legal defense starting from day one. This coverage is relatively inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Age of drivers – Older insureds tend to be more responsible, tend to file fewer claims and are safer drivers.Teen drivers tend to be easily distracted when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher.
Multiple policies with one company can save – Most insurance companies will award lower prices for people that buy multiple policies in the form of a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to comparison shop to verify if the discount is saving money. You may still save money even if you insure with multiple companies
Lower premiums for safer cars – Vehicles that have high safety ratings cost less to insure. Vehicles engineered for safety reduce occupant injuries and fewer injuries means lower claim amounts which can mean better rates for you. If your Chevy Camaro scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

When does my teenage driver need to be added to my policy?
Is a fancy paint job covered?
What can I do if my company won’t pay a claim?
Is my nanny covered when driving my vehicle?
Am I covered when delivering products for my home-based business?
What is the difference between comprehensive and collision coverage?
Should I get collision insurance on every vehicle?
Do I really need UM/UIM coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Advertising myths

Consumers can’t get away from ads that claim the best premium rates by companies like 21st Century, Allstate and State Farm. All the ads tend to make the same promise about savings after switching to them.

How does every auto insurance company cost less than your current company? It’s all in how they say it.

Different companies provide the lowest rates for the type of insured that will be a good risk. An example of a desirable insured may need to be over the age of 50, owns a home, and has great credit. Any person who fits that profile will probably get cheap rates and have a good chance to save if they switch.

Insureds who don’t meet those criteria will have to pay a higher premium which translates to the driver buying from a lower-cost company. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save that much when switching. That’s why companies can make those claims. Because of these techniques, it’s extremely important to do a quote comparison often. Because without a comparison, you cannot know which insurance companies will provide you with the cheapest premium rates.

Auto insurance coverages 101

Understanding the coverages of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Camaro.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills like chiropractic care, nursing services, surgery and doctor visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as medical expenses, medical services, attorney fees, structural damage and court costs. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, backing into a parked car, rolling your car, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, damage from getting keyed and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Be Smart and Buy Smart

When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

Budget-conscious 1996 Chevy Camaro insurance can be bought online and from local insurance agents, and you need to price shop both to have the best rate selection. A few companies may not provide online quoting and usually these regional insurance providers only sell through independent agents.

You just read a lot of tips how to save on 1996 Chevy Camaro insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even find the most savings is with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.