2013 Chevrolet Camaro Insurance Rates

Trying to find the cheapest car insurance rates for your Chevrolet Camaro? Are you at wits end from not being able to scrape enough together to pay your car insurance bill each month? You’re in the same situation as many other consumers. You have multiple car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it makes it harder to find the best rates for your vehicles.

Buying the best protection is not that difficult. If you have insurance now or need a new policy, you can use these tips to find the best rates while maintaining coverages. Consumers just need to understand the most efficient way to shop their coverage around on the web.

Chevy Camaro insurance premium factors

The best way to find cheaper insurance coverage is to take a look at the different types of things that come into play when calculating the level of your policy premiums. If you know what influences your rates, this helps enable you to make changes that may reward you with lower premium levels.

  • Adjust deductibles and save – Your deductibles define the amount you are required to spend before a claim is paid by your company. Insurance for physical damage, also known as collision and other-than-collision, protects your car from damage. Examples of some claims that would be covered are a windshield broken by a bird, animal collisions, and damage from wind. The more you’re willing to pay, the better rate you will receive for Camaro insurance.
  • Only buy extra policy coverages you need – Insurance companies have many extra bells and whistles that sound like a good idea at the time when buying insurance coverage. Coverage for things like rental car reimbursement, high-cost glass coverage, and extra equipment coverage are probably not needed. These may sound like a good investment initially, but your money might be better spent on other coverage so remove them and pocket the money.
  • Younger drivers pay higher premiums – Youthful drivers have a tendency to be less responsible with other occupants in the car and because of this, their insurance coverage rates are much higher. Parents adding a teen driver onto your insurance coverage can cause a big jump in price. Older drivers have been proven to be more responsible, file fewer claims and tend to be get fewer driving tickets.
  • Alarm systems save money – Driving a car that has a built-in theft deterrent system can earn a premium discount. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your vehicle from being stolen.
  • Safeguard your assets with liability – Your policy’s liability coverage is the protection in the event that you are determined to be liable for causing personal injury or damage in an accident. Liability provides you with a defense in court which can cost a lot. This coverage is very inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Car and home together may be cheaper – Most major insurance companies apply discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount applied, you may still want to get quotes from other companies to help ensure you have the lowest rates.

How to shop insurance coverage online

Getting a cheaper price on 2013 Chevy Camaro insurance is actually quite simple. Consumers just need to take a few minutes comparing price quotes from some recommended companies. Comparing prices online can be done using one of these methods.

  • The fastest and easiest way to find low rates would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do boring form submissions for each company you want a rate for. In just a few minutes this one form compares rates instantly.
  • A slightly less efficient method to get quotes online requires a trip to each individual company website and get a separate price quote. For examples sake, we’ll assume you want to compare Auto-Owners, Liberty Mutual and Farmers. You would need to take the time to go to each site and enter your information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.
  • The least recommended method to find lower rates is physically going to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you’re the type of person who wants the personal advice only provided by licensed agents. However, consumers can price shop online and get advice from an agent in your area.

The method you choose is up to you, but make sure you use identical coverage data for each price quote. If your comparisons have differing limits it will be nearly impossible to determine the lowest rate for your Chevy Camaro.

Do drivers who switch really save $452 a year?

Drivers get pounded daily by advertisements that claim the cheapest car insurance rates from companies such as Progressive, Allstate and Geico. They all make the point that drivers will save a bundle if you just switch your coverage.

How is it plausible that every one can give you a better price? Here is the trick they use.

Different companies have strict underwriting profiles for the type of customer that is profitable for them. One example of a profitable customer might be over the age of 50, has had continuous coverage, and has great credit. A propective insured who meets those qualifications will get the preferred car insurance rates as well as save some money.

Potential insureds who cannot meet the requirements will see higher premiums which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “all people who quote” save money. This is how insurance companies can confidently advertise the savings.

This really emphasizes why you really should compare many company’s prices. It’s just too difficult to predict which insurance companies will give you the biggest savings.

Take advantage of every insurance discount

Some companies don’t always advertise all their discounts very well, so the below list has a few of the more common and the harder-to-find credits available to you.

  • College Student Discount – Any of your kids who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
  • Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote for Camaro insurance compared to rates paid by drivers with frequent claims.
  • Auto/Home Discount – When you combine your auto and home insurance with the same insurance company you could save 10% to 20% off each policy.
  • Fewer Miles Equal More Savings – Driving less may enable drivers to earn substantially lower prices.
  • Driving Data Discount – Policyholders that allow companies to study when and where they use their vehicle by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they have good driving habits.
  • No Charge for an Accident – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual allow you one accident before raising your premiums if your claims history is clear for a specific time period.
  • Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
  • Defensive Driver Discount – Completing a course in safe driver could earn you a small percentage discount if your company offers it.
  • Discount for Swiching Early – Some companies provide a discount for signing up before your current coverage expires. The savings is around 10%.

You can save money using discounts, but most discount credits are not given to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.

For a list of insurance companies who offer cheap insurance quotes, follow this link.

How to know if you need help

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different so this has to be addressed. For instance, these questions could help you determine whether you might need an agent’s assistance.

  • Should I rate my 2013 Chevy Camaro as pleasure use or commute?
  • Does my 2013 Chevy Camaro need full coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Am I insured when driving a different vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Is my nanny covered when driving my vehicle?
  • Does having multiple vehicles earn me a discount?
  • When do I need to add a new car to my policy?
  • Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Coverages available on your policy

Understanding the coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses for things like prosthetic devices, doctor visits, X-ray expenses, hospital visits and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your 2013 Chevy Camaro.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverage

Collision insurance will pay to fix damage to your Camaro resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, driving through your garage door, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to other people or property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, court costs, pain and suffering, legal defense fees and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, hitting a deer, theft and a tree branch falling on your vehicle. The maximum 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.

Have the Midas touch

Cost effective 2013 Chevy Camaro insurance can be bought on the web in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance companies may not provide online price quotes and most of the time these smaller companies work with local independent agencies.

As you quote insurance coverage, do not reduce coverage to reduce premium. In many cases, someone sacrificed physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

In this article, we covered a lot of techniques to save on 2013 Chevy Camaro insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding low cost insurance coverage. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

Additional detailed information can be read by following these links: