View 1997 Chevrolet Camaro Insurance Cost

Looking for cheaper insurance coverage rates for your Chevrolet Camaro? Finding cheaper insurance for a Chevy Camaro can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy. There are both good and bad ways to buy insurance coverage and we’ll show you the proper way to quote coverages for your Chevy and obtain the lowest price either online or from local insurance agents.

You should take the time to compare prices periodically due to the fact that insurance prices are usually higher with each renewal. Just because you had the best rates for Camaro insurance at your last renewal there may be better deals available now. Ignore everything you know about insurance coverage because you’re about to find out the proper way to buy cheaper insurance coverage.

If you are insured now or need new coverage, you can follow these tips to get lower rates and still get good coverage. Locating the cheapest auto insurance is simple if you know the tricks. Drivers only need to know the proper way to get comparison quotes online.

Cheap insurance coverage

Finding cheaper insurance coverage prices is a fairly straight forward process. All that’s required is to take time to get quotes from different insurance companies. You can get a good selection of rate quotes in a couple of different ways.

  1. The fastest and easiest way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This style of form saves time by eliminating separate quotes for each price estimate. Just one form will return price quotes from insurance coverage companies with the best prices. This is perfect if you don’t have a lot of time.
  2. A harder way to analyze rates consists of visiting the website for every company you want to comare and complete a new quote form. For example, let’s assume you want to get rates from Liberty Mutual, Farmers and GMAC. You would be required to go to every website to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest method to compare rates is making phone calls or going to insurance agencies in your area. Buying insurance online makes this unnecessary unless you want the professional advice that only an agent can give. However, consumers can find lower rates online and have a local agent actually service the policy.

It’s your choice how you get your quotes, but make sure you use the exact same coverage limits and deductibles for each quote you get. If your comparisons have unequal deductibles or liability limits it will be impossible to truly determine the lowest rate.

Slash your insurance coverage rates with discounts

Insurance can cost an arm and a leg, but you might be missing out on some discounts to cut the cost considerably. Certain reductions will be credited when you complete an application, but some need to be asked about before you will receive the discount.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up can save 10% or more off the personal injury premium cost.
  • Theft Deterent – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems may get savings up to 30%.
  • Multiple Cars – Insuring primary and secondary vehicles on one policy can get a discount on all vehicles.
  • Discount for Life Insurance – Insurance coverage companies who offer life insurance give a discounted price on car insurance if you buy some life insurance too.
  • Discount for Home Ownership – Owning a home can save you money because owning a home shows financial diligence.
  • ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Online Discount – Some larger companies will provide an incentive shop auto insurance on the web.
  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Driving Data Discount – Drivers who elect to allow driving data submission to analyze when and where they use their vehicle through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.

As a disclaimer on discounts, many deductions do not apply the the whole policy. The majority will only reduce individual premiums such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

Larger insurance coverage companies and a partial list of their discounts are included below.

  • GEICO includes discounts for military active duty, good student, five-year accident-free, daytime running lights, and multi-policy.
  • MetLife offers discounts including defensive driver, accident-free, multi-policy, good driver, good student, claim-free
  • State Farm may include discounts for driver’s education, passive restraint, student away at school, Drive Safe & Save, anti-theft, and safe vehicle.
  • Progressive has savings for multi-policy, online quote discount, online signing, good student, and homeowner.
  • Mercury Insurance has discounts for anti-theft, good driver, annual mileage, age of vehicle, professional/association, ease of repair, and multi-policy.
  • 21st Century offers premium reductions for 55 and older, teen driver, anti-lock brakes, theft prevention, homeowners, driver training, and good student.
  • Allstate may offer discounts for good student, premier plus, premier discount, anti-lock brakes, resident student, and economy car.

When comparing rates, check with each company or agent how many discounts you can get. Depending on the company, some discounts might not apply in your area. If you would like to view insurers that offer some of these discounts, click here.

Reduce insurance rates with these tips

One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that come into play when calculating your policy premiums. If you understand what controls the rates you pay, this enables you to make decisions that may reward you with lower car insurance prices. Multiple criteria are part of the equation when you get your auto insurance bill. Some factors are common sense like your driving record, but other criteria are more obscure such as whether you are married or how safe your car is.

  • The higher your credit score the lower your premiums – Having a good credit history can be a huge factor in your rate calculation. So if your credit can use some improvement, you may save money insuring your 1997 Chevrolet Camaro by spending a little time repairing your credit. Insureds that have high credit scores tend to be more responsible and file fewer claims than drivers who have lower credit ratings.
  • Get a ticket, pay higher rates – Attentive drivers receive lower rates compared to drivers with tickets. Having just one driving citation can increase rates by twenty percent. Drivers who have gotten severe violations such as reckless driving, hit and run or driving under the influence might be required by their state to prove financial responsibility with their state’s licensing department in order to legally drive a vehicle.
  • High deductibles equal low rates – Deductibles for physical damage define the amount you are required to spend if a covered claim is submitted. Physical damage coverage, also called comprehensive and collision insurance, protects your car from damage. Some coverage claims would be a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The more money you are required to pay out-of-pocket, the bigger discount you will receive for Camaro insurance.
  • When should you not file a insurance claims? – If you tend to file frequent claims, you can look forward to much higher rates or policy non-renewal. Auto insurance companies award the lowest premiums to insureds who are claim-free. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Older drivers are lower risk – Teenage drivers tend to be easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher. Older drivers have been proven to be more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.

You are unique and your auto insurance should be too

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

These are some specific questions may help highlight if you might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • Is my babysitter covered when using my vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • I have a DUI can I still get coverage?
  • Why do I only qualify for high-risk insurance?
  • Does my insurance cover a custom paint job?
  • Are my friends covered when driving my car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses for things like surgery, doctor visits and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hail damage, fire damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, sideswiping another vehicle, backing into a parked car, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Auto liability insurance

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as court costs, repair bills for other people’s vehicles, repair costs for stationary objects, bail bonds and loss of income. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Camaro.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Be a money saver!

When you buy auto insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced full coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

Some insurance companies may not offer the ability to get quotes online and many times these regional carriers sell through local independent agencies. Budget-conscious 1997 Chevy Camaro insurance can be bought from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from.

Drivers change insurance companies for a number of reasons such as questionable increases in premium, poor customer service, lack of trust in their agent or even policy cancellation. It doesn’t matter why you want to switch finding a new insurance company can be easier than you think.

Additional insurance information can be found on the following sites: