1999 Chevrolet Camaro Car Insurance Cost

Are you sick and tired of wondering where the money will come from each month for insurance? You are in the same boat as most other vehicle owners.

Insurance companies such as State Farm, GEICO and Farmers Insurance all promote huge savings with ad campaigns and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

Smart consumers save money

Many different elements are considered when quoting car insurance. Most are fairly basic such as traffic violations, but other factors are more obscure like your vehicle usage or your vehicle rating.

The itemized list below are some of the factors that factor into your rates.

  • Safer the car lower the rate – Safer cars cost less to insure. Safer cars reduce the chance of injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Chevy scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • High comp and collision deductibles reduce premiums – Insurance for physical damage to your car, aka comp and collision, covers your vehicle from damage. Examples of covered claims would be a broken side mirror, vandalism, or theft. Comprehensive and collision coverage deductibles state the amount of money you are required to spend if a covered claim is submitted. The higher the amount you have to pay, the less money you will pay for car insurance on Camaro insurance.
  • Single drivers take more risk – Having a significant other may earn you lower rates on your car insurance policy. Having a spouse is viewed as being more mature than a single person and insurance companies like that drivers who are married file infrequent claims.
  • How many coverages with the same company – Most larger car insurance companies provide better rates to customers that buy multiple policies such as combining an auto and homeowners policy. Even if you already get this discount, you still need to get quotes from other companies to confirm you are receiving the best rates possible.
  • Use but don’t abuse your insurance – Companies award cheaper rates to people who are not frequent claim filers. If you’re an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for larger claims.

Don’t overlook these car insurance discounts

Car insurance is easily one of your largest bills, but you may find discounts that could help you make your next renewal payment. Certain credits will be shown when you get a quote, but some discounts are required to be specifically requested before you get the savings.

  • Accident-Free Discounts – Insureds who avoid accidents and claims can earn big discounts in comparison with drivers with a long claim history.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Discount for Low Mileage – Fewer annual miles on your Chevy can qualify you for slightly better rates than normal.
  • Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% off the medical payments premium.
  • Include Life Insurance and Save – Select companies reward you with a discounted rate on car insurance if you buy life insurance.

It’s important to note that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous.

If you would like to view car insurance companies who offer online car insurance quotes, click here.

When to get professional advice

When choosing the best insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Is upholstery damage covered by car insurance?
  • Is my cargo covered for damage or theft?
  • What can I do if my company won’t pay a claim?
  • Should I buy only the required minimum liability coverage?
  • What is medical payments coverage?
  • Is my camper covered by my car insurance policy?
  • Am I covered if I crash into my own garage door?
  • Do I have coverage when using my vehicle for my home business?
  • How much liability coverage do I need in my state?
  • Is my trailer covered?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverage breakdown

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by auto insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, nursing services, surgery and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Liability

This protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, medical services and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, vandalism, damage from flooding, fire damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This will pay to fix damage to your Camaro resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, scraping a guard rail, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured or underinsured 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. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1999 Chevy Camaro.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

The bottom line

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. Too many times, consumers will sacrifice liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at the best cost, not the least amount of coverage.

Low-cost 1999 Chevy Camaro insurance can be purchased both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide price quotes online and many times these smaller companies only sell through independent insurance agencies.

Helpful articles