Compare 2014 Chevrolet Camaro Car Insurance Rates

Are you regretting buying an underperforming, overpriced insurance coverage policy? Believe me when I say there are lots of residents who feel the same.

Numerous insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurer to get the lowest rate possible.

The best way to get policy rate comparisons is to realize car insurance companies actually pay money for the chance to provide you with a free rate quote. To start a quote, the only thing you need to do is give the companies some data such as whether your vehicle is owned or leased, whether the vehicles are used for commuting, the year, make and model of vehicles, and the ages of drivers. The rating information is sent automatically to multiple companies and you get price estimates within a short period of time.

Car insurance policy discounts you can’t miss

Insurance can cost an arm and a leg, but there could be significant discounts to cut the cost considerably. Some trigger automatically when you purchase, but a few must be manually applied prior to receiving the credit.

  • Clubs and Organizations – Affiliation with qualifying employment or professional organizations could qualify you for a break on your next car insurance statement.
  • Military Deployment Discount – Having an actively deployed family member could qualify you for better prices.
  • Smart Student Discounts – A discount for being a good student can save 20 to 25%. You can use this discount normally until age 25.
  • Paperless Signup – A few companies provide a small discount just for signing your application on their website.
  • Passenger Safety Discount – Factory options such as air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Save with More Vehicles Insured – Buying a policy with primary and secondary vehicles with the same company could earn a price break for each car.
  • Accident Waiver – but a few companies such as Allstate and Geico allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to being involved in the accident.

As is typical with insurance, most discounts do not apply to your bottom line cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, you won’t be that lucky.

A few companies who may offer these benefits include:

Double check with every company which discounts can lower your rates. Some credits might not apply in every state. To find companies that can offer you the previously mentioned discounts, click here.

Insurance agents can help

When it comes to choosing the best car insurance coverage, there isn’t really a best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • What is no-fault insurance?
  • Can I make deliveries for my home business?
  • Is my babysitter covered when using my vehicle?
  • Does coverage extend to my business vehicle?
  • Is business property covered if stolen from my car?
  • Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Save money with these tips

The best way to find cheaper auto insurance is to take a look at some of the things that help calculate your policy premiums. If you understand what determines base rates, this enables informed choices that could help you find much lower annual insurance costs. Lots of factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, although others are not quite as obvious such as your marital status and annual miles driven.

  • Are you male or female? – Over the last 30 years, statistics show women are more cautious behind the wheel. This data doesn’t prove that females are better at driving than males. Men and women cause at-fault accidents in similar numbers, but guys have accidents that have higher claims. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
  • Keep auto insurance claims to a minimum – Car insurance companies generally give lower rates to people who do not file claims often. If you file a lot of claims you can definitely plan on higher rates. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Raise your comp and collision deductibles for better rates – Coverage for physical damage, also known as collision and other-than-collision, protects your Chevy from damage. Some examples of claims that would be covered would be running into the backend of another car, damage caused by hail, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if the claim is covered. The more you have to pay, the less your auto insurance will be for Camaro coverage.
  • How do annual miles impact premiums? – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks that have low annual miles cost less to insure compared to those used for work or business. It’s a good idea to make sure your auto insurance declarations sheet states how each vehicle is driven. Incorrect rating for your Camaro is just wasting money.
  • Little extras can really add up – There are a ton of extra coverages that can add up on your auto insurance policy. Add-on coverages like roadside assistance, accidental death, and membership fees are some examples. They may sound like good ideas when deciding what coverages you need, but your needs may have changed so remove them from your policy.
  • Married drivers pay lower costs – Getting married actually saves money on your policy. Having a significant other demonstrates that you tend to be more responsible and statistics show being married results in fewer claims.
  • Your employer is a factor – Careers such as lawyerspolice officers and medical professionals are shown to have higher premium rates due to stressful work requirements and lots of time spent away from family. On the other hand, occupations such as farmers, students and homemakers pay lower than average rates for Camaro coverage.

Specific coverages for a Chevy Camaro

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most car insurance policies.

Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses like rehabilitation expenses, chiropractic care, EMT expenses, nursing services and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Liability coverage – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things like bail bonds, medical expenses, loss of income and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle, falling objects, a broken windshield and hail damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Final considerations

As you shop your coverage around, do not buy less coverage just to save a little money. In too many instances, an insured dropped full coverage only to discover later that it was a big mistake. Your objective should be to buy the best coverage you can find for the lowest price and still be able to protect your assets.

Discount 2014 Chevy Camaro insurance can be found from both online companies and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance coverage companies do not provide rate quotes online and these regional carriers provide coverage only through local independent agents.

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