Cheaper 2013 Chevrolet Camaro Car Insurance Quotes

Tired of sacrificing to insure your Chevy every month? You are in the same boat as millions of other consumers.

Consumers have so many insurers to choose from, and although it’s nice to be able to choose, lots of choices makes it harder to adequately compare rates.

You may qualify for discounts

Insurance coverage can be pricey, but there may be some discounts that could drop your premiums quite a bit. Some discounts apply automatically when you get a quote, but some must be asked about before they will apply. If you do not check that you are getting every discount possible, you are just wasting money.

  • Distant Student – Older children who live away from home at college and do not take a car to college may be able to be covered for less.
  • Discounts for Safe Drivers – Drivers without accidents may save up to 50% more on Camaro coverage than drivers with accident claims.
  • Homeowners Discount – Owning a house can save a few bucks since owning and maintaining a home means you have a higher level of financial diligence.
  • Service Members Pay Less – Having an actively deployed family member could qualify you for better prices.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy auto and life insurance together.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts could see savings of 20 to 30 percent.
  • Fewer Miles Equal More Savings – Driving fewer miles may allow you to get discounted prices on garaged vehicles.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Savings for New Vehicles – Putting insurance on a new car can cost up to 25% less since newer vehicles are generally safer.
  • Paper-free Discount – A few insurance coverage companies provide a small discount for buying your policy over the internet.

As is typical with insurance, many deductions do not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few of the larger companies and a summarized list of policyholder discounts are included below.

  • Farm Bureau discounts include multi-policy, renewal discount, driver training, youthful driver, good student, and 55 and retired.
  • State Farm may have discounts that include multiple policy, good driver, student away at school, Drive Safe & Save, accident-free, multiple autos, and defensive driving training.
  • Progressive includes discounts for homeowner, online signing, multi-policy, continuous coverage, multi-vehicle, online quote discount, and good student.
  • Allstate may offer discounts for farm vehicle, anti-theft, good payer, good student, and utility vehicle.
  • Nationwide has savings for family plan, accident-free, easy pay, Farm Bureau membership, and good student.
  • MetLife offers discounts including claim-free, good student, defensive driver, multi-policy, accident-free, good driver

When getting a coverage quote, ask each insurance company how many discounts you can get. Savings may not be available in every state.

Compare quotes for car insurance

There are several ways of comparing rate quotes from companies that offer car insurance in your state. The quickest method to compare rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

  • The best way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for boring form submissions for each company you want a rate for. A single form compares rates from car insurance companies with the best prices.
  • Another way to analyze rates is to take the time to go to the website for each individual company and repeat the quote process. For example, we’ll assume you want rates from USAA, Safeco and Travelers. You would need to spend time going to each site individually and enter your information, which can get rather old.

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

  • The most difficult way of getting rate comparisons is driving to all the different insurance agencies. Doing it all online makes this unnecessary unless you prefer the professional advice only provided by licensed agents. You can, however, compare the best prices online but buy the policy through an agent.

The approach you take is up to you, just double check that you are using equivalent deductibles and coverage limits for every quote you compare. If you compare differing limits you can’t possibly find the best deal for your Chevy Camaro. Even a minor difference in coverage limits can result in a big premium difference. It’s important to know that comparing all the rates in your area helps increase your odds of locating a lower rate than you’re paying now.

Smart buyers can lower insurance rates

Multiple criteria are used when you get a price on insurance. Some of the criteria are obvious like your driving record, although others are not as apparent like where you live and annual miles driven.The best way to find cheaper insurance coverage is to take a look at the factors that play a part in calculating the price you pay for insurance coverage. If you have some idea of what influences your rates, this empowers consumers to make smart changes that may result in better insurance coverage rates.

  • Insurance costs and driver gender – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Females and males cause fender benders at a similar rate, but the men have accidents that have higher claims. They also have more aggressive citations such as reckless driving.
  • Protect yourself with liability protection – The liability section of your policy is the protection if you are determined to be liable for physical damage or personal injury to other. It provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.
  • Insure your auto and home with one company – Most major companies provide better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you already get this discount, it’s in your best interest to compare other insurance prices to verify if the discount is saving money.There is a chance you can find a better deal by buying insurance coverage from a different company.
  • With age comes lower prices – Teenage drivers tend to be easily distracted with other occupants in the car and because of this, their insurance coverage rates are much higher. Older people are more cautious drivers, statistically cause fewer accidents .
  • Use but don’t abuse your insurance – Car insurance companies generally give lower rates to insureds who are not frequent claim filers. If you are a frequent claim filer, you can look forward to higher rates. Auto insurance is meant to be used in the event of more catestrophic claims.
  • What’s your car’s crash test rating? – Cars with five star safety ratings can get you lower premiums. Safer cars result in less severe injuries and fewer serious injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Chevy Camaro is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Your stress level may be raising your premiums – Did you know your occupation can influence how much you pay for insurance coverage? Jobs like doctors, business owners and medical professionals tend to have higher average rates because of high stress and lengthy work days. Other professions such as actors, engineers and homemakers pay the least on Camaro coverage.

There’s no such thing as the perfect auto insurance policy

When buying coverage, there really is not a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your situation might need professional guidance.

  • Am I covered if I crash into my own garage door?
  • Does coverage extend to Mexico or Canada?
  • Should I buy only the required minimum liability coverage?
  • Is my state a no-fault state?
  • When should my teen driver be added to my policy?
  • Am I insured when driving a different vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • What are the best liability limits?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

The insurance coverage bait and switch

Companies like 21st Century, Allstate and State Farm continually stream television and radio advertisements. They all seem to have a common claim that people will save after switching to their company. How is it possible that every company can charge lower premium rates? It’s all in the wording.

Insurance companies have underwriting criteria for the type of customer that will add to their bottom line. An example of a preferred risk could possibly be married and over the age of 30, is a homeowner, and drives less than 5,000 miles a year. Anybody that meets those criteria will probably get cheap rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who do not meet these standards may be forced to pay higher prices which results in the customer buying from someone else. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” save that much when switching. This is how companies can truthfully advertise the way they do. This really drives home the point why you should compare as many free insurance quotes as you can. Because you never know with any certainty which company will give you lower rates than your current company.

Specific coverages for a Chevy Camaro

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. These are typical coverage types available from insurance companies.

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, vandalism, damage from a tornado or hurricane and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability – Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, repair bills for other people’s vehicles, repair costs for stationary objects, attorney fees and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Collision coverage – Collision coverage will pay to fix damage to your Camaro caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, hitting a mailbox, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for immediate expenses such as dental work, surgery, nursing services and chiropractic care. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2013 Chevy Camaro.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Smart shoppers get results

Lower-priced car insurance can be purchased both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers don’t offer online price quotes and usually these smaller companies prefer to sell through independent agents.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

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