2016 Chevrolet Camaro Insurance Quotes

Purchasing cheaper car insurance may at first seem to be challenging for consumers new to quoting and online price comparisons. With so many options of online companies available, how can you have a chance to compare every possible option in order to find better prices?

You need to price shop coverage periodically because car insurance rates change frequently. Just because you had the lowest rate on Camaro insurance a couple years back a different company probably has better prices today. Block out anything you think you know about car insurance because you’re about to learn the only way to lower your annual insurance bill.

Cheapest auto insurance price quotes

Many insurance companies like State Farm, Allstate and GEICO give prices directly from their websites. Comparing prices online is pretty easy as you just type in the coverage amounts you desire as requested by the quote form. When complete, their system sends out for your driving record and credit report and generates a price based on the data you entered.

Online quotes makes it simple to compare prices but the work required to visit different websites and type in the same data is a waste of time. But it is imperative to perform this step if you want to find the best price possible.

Rate comparisons made easy

The quickest way to compare auto insurance pricing utilizes a single form that obtains quotes from multiple companies. The form is fast, requires less work, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, it gets priced with multiple companies and you can pick any one of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process can be completed in less than 10 minutes and can result in significant savings.

To use this form to compare rates, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you enter coverages and limits just like they are on your policy. This ensures you will receive rate comparison quotes for exact coverage.

Auto insurance policy discounts

Some insurers don’t always list all their discounts very clearly, so the list below contains some of the best known and also the lesser-known auto insurance savings. If you’re not getting every credit you deserve, you are not getting the best rate possible.

Low Miles Discount – Driving less could qualify for lower prices due to less chance of an accident.
55 and Retired – Drivers over the age of 55 can possibly qualify for reduced rates on Camaro insurance.
Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Camaro insurance with certain companies.
Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.
Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.

Remember that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But all discounts will cut the cost of your policy.

To see a list of providers that offer many of these discounts, click this link.

How do I know if I need professional advice?

When it comes to buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions might point out whether you might need professional guidance.

What can I do if my company won’t pay a claim?
Is rental equipment covered for theft or damage?
Is a new car covered when I drive it off the dealer lot?
Am I covered if hit by an uninsured driver?
Does coverage extend to a rental car in a foreign country?
Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Get cheaper insurance rates by understanding these factors

A large part of saving on insurance coverage is knowing some of the things that go into determining your policy premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that can earn you lower insurance coverage prices.

The itemized list below are some of the most rate-impacting factors utilized by car insurance companies to help set rates.

Does insurance coverage cost more for males? – Over time, data shows women tend to be less risk to insure than men. The data does not necessarily mean that women are BETTER drivers than men. Both sexes cause auto accidents at a similar rate, but guys have accidents that have higher claims. Men also tend to get higher numbers of serious violations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
lapses raise premiums – Driving without insurance coverage in place is against the law and you may have a hard time finding new coverage because you let your insurance lapse. And not only will your rates increase, not being able to provide proof of insurance may result in a steep fine or even jail time. You may then have to submit proof of financial responsibility or a SR-22 with your state DMV.
More traffic equals higher premiums – Living in less populated areas is a good thing when shopping for auto insurance. Drivers who live in large cities tend to have more traffic problems and higher rates of accident claims. Fewer people means a lower chance of having an accident and a lower car theft rate.
Reduce rates by driving safer cars – Vehicles with good safety scores get lower rates. The safest vehicles help reduce the chance of injuries in an accident and fewer injuries means less claims paid and more competitive rates for policyholders. If the Chevy Camaro earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
Put fewer miles on your vehicle – The higher the miles on your Chevy each year the more you’ll pay to insure it. Many insurance companies calculate rates based upon how much you drive. Vehicles not used for work or commuting get more affordable rates than those used for commuting. Having the wrong rating on your Camaro may be wasting your money. Double check that your declarations sheet is showing the correct usage.

Car insurance 101

Learning about specific coverages of your policy aids in choosing 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.

Liability auto insurance

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like pain and suffering, attorney fees, medical expenses and court costs. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, damage from a tornado or hurricane, vandalism and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

This coverage will pay to fix damage to your Camaro caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, hitting a parking meter, rolling your car, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Camaro.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like chiropractic care, funeral costs, rehabilitation expenses and EMT expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Find Good Coverage for Less

You just learned a lot of information how to lower your 2016 Chevy Camaro insurance rates. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest rates come from the smaller companies.

Consumers leave their current company for any number of reasons including being labeled a high risk driver, policy cancellation, poor customer service or even questionable increases in premium. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.

When buying insurance coverage, never skimp on coverage in order to save money. There have been many situations where an insured cut liability coverage limits only to discover later that it was a big mistake. The ultimate goal is to buy the best coverage you can find at the best possible price while still protecting your assets.