Lower Your 2002 Chevrolet Camaro Car Insurance Quotes

Searching for cheaper auto insurance rates for your Chevrolet Camaro? If price shopping auto insurance quotes online is new to you, most likely you are confused thanks to all the different types of insurance providers all claiming to have the lowest rates.

It’s smart to shop coverage around quite often because rates change regularly. Despite the fact that you may have had the best premium rates on Camaro insurance a year ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because we’re going to show you the right way to find better rates and still maintain coverage.

The method we recommend to compare insurance rates in your area is to understand most insurance companies provide online access to compare their rates. To get started, all you need to do is give them some information such as which vehicles you own, how much education you have, whether you drive to work or school, and if you require a SR-22. The rating information gets sent immediately to multiple auto insurance providers and you will receive price estimates quickly.

To compare rates for your car now, click here and find out if lower rates are available.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you could use an agent’s help.

  • Who is covered by my policy?
  • What is UM/UIM insurance?
  • Does coverage extend to Mexico or Canada?
  • Why do I need rental car insurance?
  • Are my friends covered when driving my car?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does medical payments coverage apply to all occupants?
  • Does insurance cover tools stolen from my truck?
  • What is the ISO rating for a 2002 Chevy Camaro?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Specific coverages for a 2002 Chevy Camaro

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like pain medications, X-ray expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This pays for damage to your Camaro caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, sideswiping another vehicle, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, damage from a tornado or hurricane, a broken windshield and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability

Liability insurance can cover damage that occurs to other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see 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 a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like pain and suffering, funeral expenses, emergency aid, loss of income and medical services. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.