Lower Your 2012 Chevrolet Camaro Insurance Quotes

Want the cheapest insurance rates for your Chevrolet Camaro? Trying to find the cheapest insurance for a new or used Chevy Camaro can be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to shop for insurance and you need to know the proper way to price shop coverage for a new or used Chevy and locate the lowest price either online or from local insurance agents.

You should make it a habit to price shop coverage once or twice a year because prices change quite often. If you had the lowest price for Camaro coverage at your last renewal there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance because you’re going to get a crash course in how to use online quotes to properly buy coverages and cut your premium.

Compare quotes for insurance

Reducing your 2012 Chevy Camaro insurance rates is not rocket science. Just take a few minutes comparing free insurance coverage quotes from different insurance companies. It’s really simple and can be done using a couple different methods.

The fastest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This form eliminates the need for separate forms for every prospective company. One form submission gets you coverage quotes instantly. It’s definitely the quickest method.
A slightly less efficient method to shop for insurance online is spending the time to visit the website for each individual company and fill out a new quote form. For example, let’s say you want comparison quotes from Nationwide, Esurance and State Farm. You would need to spend time going to each site individually and type in your information over and over, which can take a lot of time. For a list of links to insurance companies in your area, click here.
The most time-consuming method to get price estimates is driving around to insurance agents’ offices. Doing it all online has made agencies unnecessary unless your situation requires the professional assistance that can only be provided by a licensed insurance agent. You can, however, price shop online but have your policy serviced through an agent.

Whichever way you choose to compare rates, be sure you’re using equivalent coverage information on every quote. If you have different deductibles it will be very difficult to make a fair comparison for your Chevy Camaro.

These discounts can slash insurance coverage rates

Insurance coverage can be pricey, but there could be significant discounts to cut the cost considerably. Some of these disounts will be visible when you complete an application, but some may not be applied and must be asked for prior to getting the savings.

Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off PIP or medical payments premium.
No Accidents – Drivers with accident-free driving histories can save substantially in comparison to policyholders that have many claims.
Discount for Low Mileage – Driving less can earn cheaper rates.
Telematics Discount – People who choose to allow their insurance company to study their driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
Homeowners Discount – Being a homeowner may trigger a policy discount on insurance coverage because maintaining a house requires a higher level of personal finance.
Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your insurance coverage quote.

Policy discounts save money, but most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

Insurance companies that may offer policyholders some of the discounts shown above may include but are not limited to:

Double check with each company or agent which discounts they offer. Some of the discounts discussed earlier may not be available in your area. To locate insurance coverage companies who offer insurance coverage discounts, click here to view.

When do I need an agent’s advice?

When buying adequate coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

Is business property covered if stolen from my car?
Is rental equipment covered for theft or damage?
Does insurance cover damages from a DUI accident?
How much can I save by bundling my policies?
Is my nanny covered when driving my vehicle?
Are my friends covered when driving my car?
Does my insurance cover a custom paint job?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your insurance policy

Understanding the coverages of insurance can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage

Collision insurance will pay to fix damage to your Camaro from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, rolling your car, crashing into a ditch, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Camaro.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, a broken windshield, damage from flooding and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

This protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, repair costs for stationary objects, medical services and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for things like dental work, ambulance fees, X-ray expenses, surgery and doctor visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage