1997 Chevrolet Camaro Insurance Quotes – 7 Tips to Save

Searching for better insurance rates for your Chevrolet Camaro? Being forced to pay for expensive insurance premiums can deplete your personal savings and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to lower your bills every month.

Lots of insurance companies contend for your hard-earned dollar, so it can be very hard to choose a insurance company and uncover the absolute lowest rate

It’s a good habit to price shop coverage quite often since insurance prices trend upward over time. Just because you had the best rates for Camaro coverage at your last renewal you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because you’re about to find out the proper way to find the best coverage while lowering your premiums.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Buying car insurance is not rocket science. Although car owners benefit from understanding how companies market insurance on the web and apply this information to your search.

Buy auto insurance online

When comparison shopping, there are several ways to compare prices from many available auto insurance companies in your state. The best method to find the lowest 1997 Chevy Camaro rates consists of shopping online. This can be done using a couple different methods.

  • One of the best ways to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing a different quote for every prospective company. One simple form compares rates from multiple companies.
  • A slightly less efficient method to analyze rates requires visiting the website for each individual company to request a price quote. For sake of this example, we’ll assume you want to view quotes from Liberty Mutual, Esurance and Travelers. To find out each rate you need to go to each individual site and repeatedly type in your coverage information, which can get rather old.

    To view a list of companies in your area, click here.

  • The most difficult method to find and compare rates is driving around to all the different insurance agencies. The ability to quote online has made agencies unnecessary unless you prefer the extra assistance of a licensed agent. Although, it is possible find lower rates online but buy from a local insurance agent.

Compare rates however you want, just make sure you compare apples-to-apples coverage data for every quote you compare. If you compare mixed coverages it’s not possible to determine the lowest rate for your Chevy Camaro. Having just a slight variation in coverages can make a big difference in price. And when quoting auto insurance, remember that comparing a large number of companies increases the change that you will find the best offered rates. Some regional insurers cannot provide quotes online, so you need to compare quotes from them as well.

More affordable rates with these seven discounts

Some insurers don’t always publicize all available discounts very clearly, so we took the time to find both the well known as well as some of the hidden ways to save on insurance coverage. If you are not receiving all the discounts possible, you’re paying more than you need to.

  • Discounts for Multiple Vehicles – Drivers who insure more than one vehicle with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Sign Online – A few insurance coverage companies will discount your bill up to fifty bucks for completing your application on your computer.
  • Senior Citizen Rates – Older drivers could receive reduced rates for Camaro coverage.
  • Auto/Home Discount – If you insure your home and vehicles and place coverage with the same company they may give you a discount of approximately 10% to 15%.
  • Payment Discounts – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
  • No Claim Discounts – Drivers with accident-free driving histories pay much less when compared to drivers with a long claim history.

A quick disclaimer, some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So even though you would think all those discounts means the company will pay you, companies don’t profit that way.

If you would like to view insurance coverage companies that offer some of these discounts, follow this link.

What is the best insurance coverage coverage?

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Can I rate high risk drivers on liability-only vehicles?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I crash into my own garage door?
  • Are my friends covered when driving my car?
  • Why do I need rental car insurance?
  • What is an SR-22 filing?
  • How high should my uninsured/underinsured coverage be in my state?
  • Exactly who is provided coverage by my policy?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on the average auto insurance policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for ambulance fees, pain medications, funeral costs, hospital visits and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance will cover injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims like emergency aid, medical expenses and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Camaro.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

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 insurance covers claims such as vandalism, hail damage and hitting a bird. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This coverage will pay to fix damage to your Camaro caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, rolling your car, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Buy online or local, you save

You just read a lot of tips how to save on 1997 Chevy Camaro insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the most savings is with an unexpected company. These smaller insurers can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.

Affordable 1997 Chevy Camaro insurance can be found online as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and these small insurance companies sell through independent insurance agencies.

When you buy insurance coverage online, do not buy poor coverage just to save money. There have been many cases where an insured cut collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to find the BEST coverage for the lowest cost while still protecting your assets.

To learn more, take a look at the resources below: