Lower Your 1999 Chevrolet Camaro Insurance Rates

No sane person looks forward to paying for insurance coverage, in particular when the cost is too high. Multiple insurers compete for your business, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest cost out there.

How to shop auto insurance online

Finding a lower price on 1999 Chevy Camaro insurance is actually easier than you may think. Just take the time getting comparison quotes to see which company has inexpensive auto insurance quotes. This is very easy and can be done by using one of the methods below.

The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do separate quotes for each company you want a rate for. One form gets insurance cost estimates instantly.

A less efficient way to find lower rates requires a trip to the website for every company you want to comare to complete a price quote. For examples sake, we’ll pretend you want to view quotes from Farmers, Esurance and Allstate. To do that, you would have to take the time to go to each site to enter the same coverage data repeatedly, which is why first method is reommended.

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

The most time-consuming method to find and compare rates is to spend your day driving to and from local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless your situation requires the professional guidance only provided by licensed agents. It is possible to get the lowest quotes online but have a local agent actually write the policy.

The method you choose is up to you, but do your best to use nearly identical coverages on every quote you get. If you are comparing different deductibles it will be impossible to make a fair rate comparison.

Are you qualifying for every discount?

Car insurance is easily one of your largest bills, but there could be significant discounts that could drop your premiums quite a bit. Some discounts will apply at quote time, but occassionally some discounts must be asked about before you will receive the discount.

  • Distant Student Discount – Any of your kids who attend college more than 100 miles from home and do not have a car could get you a discount.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Liberty Mutual and Geico will let one accident slide without the usual rate increase with the catch being you have to be claim-free prior to the accident.
  • Military Discounts – Being on active duty in the military may lower your prices slightly.
  • Professional Memberships – Belonging to a professional or civic organization can get you a small discount on your next car insurance statement.

Don’t be shocked that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will reduce your policy premium.

To see car insurance companies who offer car insurance discounts, click this link.

When in doubt talk to an agent

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does car insurance cover theft of personal property?
  • Is my teenager covered with friends in the car?
  • Is pleasure use cheaper than using my 1999 Chevy Camaro to commute?
  • Do I have newly-aquired coverage?
  • Why am I required to buy liability insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

The Chevy Camaro insurance cost equation

A large part of saving on insurance coverage is knowing the factors that aid in calculating the rates you pay for insurance coverage. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that could help you find lower insurance coverage prices.

  • Keep prices low by being claim-free – Companies award lower rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is intended for more catestrophic claims.
  • Teenage vs. experienced drivers – Older people are shown to be more cautious, file fewer claims .Young drivers are statistically proven to be less responsible with other occupants in the car so insurance coverage rates are higher.
  • Does insurance coverage cost more for men? – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. They both are responsible for fender benders at about the same rate, but guys cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like DWI (DUI) or reckless driving.
  • Proper usage rating affects premiums – The higher the mileage driven in a year’s time the higher the price you pay to insure it. A lot of insurance companies apply a rate partially by how you use the vehicle. Vehicles that do not get driven very much qualify for better rates than those used for commuting. Improper usage on your Camaro is throwing money out the window. It’s always a good idea to double check that your declarations sheet reflects the right rating data.
  • Your career may increase premiums – Careers such as fire fighters, business owners and stock brokers tend to have the highest average rates because of intense work requirements and long work days. Other occupations like actors, students and homemakers have lower than average premiums on Camaro insurance.
  • Your liability coverage limits – The liability coverage on your policy is the coverage that protects you if you are found to be at fault for causing personal injury or damage in an accident. It provides you with a defense in court starting from day one. Liability is cheap compared to other policy coverages, so do not cut corners here.
  • How credit rating affects insurance coverage premiums – A driver’s credit score can be an important factor in your rate calculation. Insureds with very high credit ratings tend to be more responsible than those with lower credit scores. If your credit can use some improvement, you may save money insuring your 1999 Chevrolet Camaro by repairing your credit.
  • Small coverages can add up – Policies have optional add-on coverages that you can get tricked into buying on your 1999 Camaro policy. Add-on coverages like personal injury protection, accident forgiveness, and extra equipment coverage may not be needed and are just wasting money. You may think they are a good idea when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.

Auto insurance 101

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

Liability car insurance

Liability insurance can cover damage that occurs to other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, funeral expenses, emergency aid, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1999 Chevy Camaro.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for collisions

Collision insurance will pay to fix damage to your Camaro from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for prosthetic devices, surgery, nursing services and hospital visits. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage 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 insurance covers claims like a broken windshield, vandalism, hitting a deer, hail damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

In any little way, save everyday

In this article, we presented a lot of information how to shop for 1999 Chevy Camaro insurance online. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest auto insurance. You may even find the best premium rates are with the smaller companies. Regional companies can often provide lower prices in certain areas than the large multi-state companies such as State Farm and Allstate.

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone dropped full coverage only to regret that it was a big error on their part. Your aim should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

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