1997 Chevrolet Camaro Car Insurance Cost – 10 Policy Discounts

Drivers have lots of choices when trying to find low-cost Chevy Camaro insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to find the lowest rates. There are both good and bad ways to find insurance online and you need to know the quickest way to get price quotes for your Chevy and locate the lowest possible price either online or from local insurance agents.

You should take the time to compare rates periodically since rates are adjusted regularly by insurance companies. Even if you got the best price for Camaro insurance a few years ago there is a good chance you can find better rates now. Block out anything you think you know about insurance because we’re going to demonstrate the best way to eliminate unnecessary coverages and save money.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you will be able to save some money using this information. Drivers only need an understanding of the proper way to find the lowest price online.

Automobile Insurance Quotes

Finding lower auto insurance rates isn’t really that difficult. Consumers just need to invest a few minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The best way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating repetitive form submissions for each company you want a rate for. One form submission will get you price quotes from many national carriers.It’s the quickest way to get rates.
  2. A different way to obtain and compare quotes online requires visiting the website for every company you want to comare and complete a new quote form. For example, we’ll assume you want rates from Farmers, State Farm and American Family. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but be sure to compare apples-to-apples coverage limits and deductibles on every quote you get. If the quotes have higher or lower deductibles it will be next to impossible to decipher which rate is best.

Get lower rates on Chevy Camaro insurance

Auto insurance companies don’t always publicize every available discount very clearly, so we break down some of the best known and also the lesser-known savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Drive Less and Save – Fewer annual miles on your Chevy can earn discounted rates on garaged vehicles.
  • Sign Online – Some insurance companies give back up to $50 for buying a policy and signing up digitally online.
  • Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Accident Free – Good drivers with no accidents pay less compared to accident-prone drivers.
  • Accident Waiver – A few companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.

Drivers should understand that most of the big mark downs will not be given the the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Car insurance companies that may offer these money-saving discounts include:

Before buying, ask each insurance company how you can save money. Discounts might not apply in your area.

Tailor your coverage to you

When buying proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • Do I need replacement cost coverage?
  • Should I have a commercial auto policy?
  • When does my teenage driver need to be added to my policy?
  • Should I rate my 1997 Chevy Camaro as pleasure use or commute?
  • Why am I required to buy liability insurance?
  • Do I have newly-aquired coverage?
  • What can I do if my company denied a claim?
  • Can I rent a car in Mexico?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Specific coverages for a 1997 Chevy Camaro

Knowing the specifics of a auto insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Camaro.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as surgery, doctor visits, ambulance fees, dental work and funeral costs. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, damage from a tornado or hurricane, hitting a deer and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – Liability insurance can cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for 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. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims like loss of income, bail bonds, medical services and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision – Collision insurance pays for damage to your Camaro caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.