Cheaper 1998 Chevrolet Camaro Insurance Quotes

Finding a different company that has inexpensive insurance coverage could seem overwhelming if you are one of the many people new to online quoting. But don’t throw in the towel because online price shopping is actually quite simple.

Consumers should take time to check auto insurance prices once or twice a year due to the fact that insurance prices go up and down regularly. Just because you found the lowest quotes for Camaro insurance a few years ago a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to find out the proper way to find great coverage at a great price.

Choosing the best insurance company for you is quite easy. In a nutshell, every driver who shops for car insurance will be able to lower their premiums. Nevertheless, car owners do need to understand how companies price insurance differently and apply this information to your search.

Verify you’re earning every discount

Some insurers don’t list all possible discounts very well, so the next list breaks down a few of the more common in addition to some of the lesser obvious credits available to you.

  • Discounts for Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Camaro insurance with a few insurance coverage companies.
  • Drivers Ed for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may get savings of up to 25% or more.
  • Good Grades Discount – Getting good grades can save 20 to 25%. You can use this discount normally up until you turn 25.
  • Senior Citizens – Drivers that qualify as senior citizens are able to get a discount up to 10% for Camaro insurance.
  • Professional Memberships – Participating in qualifying employment or professional organizations is a simple method to lower premiums on insurance coverage.
  • Discount for Life Insurance – If the company offers life insurance, you could get better premium rates if you take out a life insurance policy as well.
  • Resident Student – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
  • Low Miles Discount – Driving fewer miles may allow you to get slightly better premium rates than normal.

One last thing about discounts, most discount credits are not given to the entire cost. Most cut specific coverage prices like comp or med pay. So even though you would think it’s possible to get free car insurance, you aren’t that lucky.

Larger insurance coverage companies and a summarized list of policyholder discounts can be found below.

  • Progressive includes discounts for homeowner, good student, multi-policy, online signing, and online quote discount.
  • AAA has discounts for multi-car, pay-in-full, education and occupation, anti-theft, AAA membership discount, and good student.
  • Farmers Insurance policyholders can earn discounts including switch companies, alternative fuel, multi-car, pay in full, electronic funds transfer, distant student, and youthful driver.
  • GEICO offers discounts including defensive driver, air bags, good student, multi-policy, daytime running lights, and emergency military deployment.
  • Esurance may have discounts that include good student, claim free, emergency road assistance, online quote, and anti-theft.
  • SAFECO offers discounts for bundle discounts, accident prevention training, multi-car, drive less, and safe driver.
  • State Farm has savings for Steer Clear safe driver discount, student away at school, multiple policy, defensive driving training, passive restraint, driver’s education, and safe vehicle.

Double check with every company which credits you are entitled to. Some credits may not be offered everywhere. To see a list of insurers with the best discounts, click this link.

Cheapest auto insurance quotes

To find the best auto insurance quotes, there are several ways to get quotes from auto insurance companies in your area. The best way to compare rates is to use the internet to compare rates. This is quite simple and can be completed in just a few minutes using one of these methods.

  • The simplest way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This form saves time by eliminating separate forms for each price estimate. Completing one form compares rates instantly. Recommended for those who want to invest the least amount of time.
  • A different way to analyze rates consists of going to the website for each individual company to request a price quote. For examples sake, let’s assume you want to get rates from Liberty Mutual, Progressive and Travelers. In order to compare rates, you need to navigate to each company’s site and type in your information over and over, and that explains why we recommend the first method.

    To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just make sure you compare equivalent coverage data for every quote you compare. If your comparisons have mixed coverages then you won’t be able to make an equal comparison. Just a small difference in insurance coverages could skew the results. And when price shopping your coverage, comparing more quotes helps you find more affordable insurance.

When should I discuss my situation with an agent?

When choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might help in determining whether your personal situation may require specific advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is the minimum liability in my state?
  • Do I need rental car coverage?
  • Does coverage extend to a rental car in a foreign country?
  • What happens if I owe more than my 1998 Chevy Camaro is worth?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Coverage specifics

Learning about specific coverages of insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, rock chips in glass, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This will pay to fix damage to your Camaro resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, damaging your car on a curb, backing into a parked car, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Chevy Camaro.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like dental work, hospital visits and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

This provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like medical expenses, structural damage, pain and suffering, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Don’t break the bank

Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, an unsatisfactory settlement offer, lack of trust in their agent and even being labeled a high risk driver. It doesn’t matter what your reason, finding a new company can be pretty painless.

Some companies may not provide online price quotes and many times these regional insurance providers prefer to sell through independent agencies. More affordable car insurance can be purchased on the web and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your aim should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

Additional car insurance information is available at the links below