Lower Your 1993 Chevrolet Camaro Insurance Quotes

Locating the cheapest insurance for a Chevy Camaro can be an all-consuming task, but you can follow our insurance buying tips to find lower rates. There is a right way and a wrong way to find insurance online so you’re going to learn the quickest way to price shop coverage for your Chevy and obtain the lowest possible price.

It’s important to shop coverage around as often as possible because prices are rarely the same from one policy term to another. If you had the best deal on Camaro coverage last year you will most likely find a better rate today. Forget all the misinformation about insurance because we’re going to demonstrate one of the best ways to reduce your cost while improving coverage.

If you have insurance now or need a new policy, you can use these tips to get lower rates and still get good coverage. Buying affordable protection can be fairly easy. Drivers just need to understand the most efficient way to get comparison quotes online.

Low cost insurance coverage prices

Getting a cheap price on 1993 Chevy Camaro insurance is actually quite simple. Consumers just need to take a few minutes to compare rate quotes from online providers. This can easily be done in just a few minutes using one of these methods.

The single most time-saving way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This easy form saves time by eliminating separate quote forms for every prospective company. One quote request will return price quotes instantly. Just one form and you’re done.
A less efficient way to analyze rates requires you to visit the website for every company you want to comare and request a quote. For example, we’ll assume you want rates from Liberty Mutual, Esurance and Allstate. You would need to go to every website to input your insurance information, and that explains why we recommend the first method.
For a handy list of car insurance company links in your area, click here.
If you have time to kill, the last method to price shop rates is to drive around to local insurance agencies. Comparing rate quotes online makes this unnecessary unless your situation requires the extra assistance that only a licensed agent can provide. If you prefer, some companies allow you to get prices online but have a local agent actually write the policy.

Which method you use is up to you, but make sure you use exactly the same information for each comparison quote. If you use different liability limits it’s not possible to determine which rate is truly the best.

Use discounts on insurance

Some companies do not advertise all possible discounts very well, so here is a list both well-publicized and also the lesser-known credits that may apply to you.

Anti-lock Brakes – Vehicles with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
Club Memberships – Affiliation with certain professional organizations is a simple method to lower premiums when getting a insurance coverage quote.
Government Employee Discount – Being employed by or retired from a federal job may qualify for a discount when you quote insurance coverage on Camaro coverage but check with your company.
New Car Discount – Insuring a vehicle that is new can get you a discount since new vehicles are generally safer.
Defensive Driver Discounts – Completing a class that teaches defensive driver techniques could possibly earn you a 5% discount and also improve your driving technique.
Student in College – Youth drivers living away from home attending college and do not have a car may be insured at a cheaper rate.
Homeowners Discount – Being a homeowner can help you save on insurance because owning a home is proof that your finances are in order.
Fewer Miles Equal More Savings – Driving fewer miles can earn substantially lower prices.
Paperwork-free – Some of the larger companies will provide an incentive just for signing your application on the web.

One last thing about discounts, most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. So when it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Larger insurance companies and some of their more popular discounts can be read below.

Progressive may include discounts for online signing, multi-vehicle, online quote discount, homeowner, and multi-policy.
AAA offers premium reductions for multi-car, good student, good driver, AAA membership discount, and education and occupation.
Farmers Insurance has discounts for multi-car, distant student, teen driver, homeowner, and youthful driver.
Geico has savings for driver training, anti-theft, military active duty, federal employee, daytime running lights, and five-year accident-free.
Esurance includes discounts for good student, emergency road assistance, safety device, multi-policy, and anti-lock brakes.
SAFECO may offer discounts for teen safe driver, homeowner, teen safety rewards, bundle discounts, and drive less.
State Farm may have discounts that include defensive driving training, driver’s education, good student, Steer Clear safe driver discount, student away at school, and accident-free.

It’s a good idea to ask each insurance company which discounts you qualify for. Savings might not apply in your area. To see insurance companies with significant discounts, follow this link.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions can help discover whether you could use an agent’s help.

Is my vehicle covered by my employer’s policy when using it for work?
What is the rate difference between pleasure use and commuting?
Can I get a multi-policy discount?
Is my nanny covered when driving my vehicle?
What is roadside assistance coverage?
Where can I find high-risk insurance?
At what point should I drop full coverage?

If you don’t know the answers to these questions, you might consider talking to 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 provide invaluable advice.

What insurance coverages do you need?

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability car insurance

This can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t 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. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as court costs, pain and suffering, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, fire damage, hitting a bird and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This coverage covers damage to your Camaro from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like X-ray expenses, EMT expenses, pain medications and surgery. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

The best insurance company isn’t always the cheapest

We’ve covered some good ideas how you can reduce 1993 Chevy Camaro insurance rates online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest rates come from a small mutual company.

Insureds switch companies for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, policy non-renewal or policy cancellation. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

When searching for cheaper insurance coverage quotes, never buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The goal is to get the best coverage possible for the lowest cost.