2016 Chevrolet Camaro Car Insurance Quotes

Looking for better insurance coverage rates for your Chevrolet Camaro? Being forced to pay for pricey insurance coverage premiums can sap your funds and force you to cut corners elsewhere. You have so many car insurance companies to purchase coverage from, and although it’s nice to have a choice, having more insurers makes it harder to find the lowest rates.

Smart consumers know how to find insurance coverage cheaper

The best way to find cheaper insurance coverage is to take a look at the different types of things that help calculate the level of your policy premiums. When consumers understand what controls the rates you pay, this helps enable you to make changes that can help you get lower insurance coverage prices.

  • Teenagers are high risk – More experienced drivers are more cautious drivers, cause fewer claims and accidents and receive fewer citations.Young drivers are statistically shown to be less responsible when at the wheel of a vehicle therefore insurance coverage rates are much higher.
  • Save by driving less – The more you drive annually the more you’ll pay to insure it. A lot of companies rate vehicles based upon how much you drive. Vehicles not used for work or commuting cost less to insure than those used for commuting. Ask your agent if your insurance coverage coverage shows the right rating data. Incorrect rating for your Camaro may be wasting your money.
  • Car and home together may be cheaper – Many companies will award discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. If you currently are using one company, you may still want to shop around to help guarantee you have the best rates. Drivers may still save more without the discount by buying insurance from more than one company.
  • Women tend to be lower risk – Statistics have proven females are less aggressive when driving. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men are responsible for accidents in similar numbers, but men have costlier accidents. Men also statistically get higher numbers of serious violations such as reckless driving.
  • Tickets hurt – Your driving record has a huge affect on how much you pay. Drivers with clean records pay lower auto insurance prices compared to bad drivers. Only having one speeding ticket or other violation can increase the cost of insurance by as much as thirty percent. Drivers with flagrant violations such as hit and run, DWI or reckless driving convictions may be required to prove financial responsibility with their state in order to prevent their license from being revoked.
  • Save money by having good credit – Having a bad credit score is a big factor in determining what you pay for insurance coverage. Consumers who have excellent credit tend to file fewer claims than drivers with poor credit. If your credit score can be improved, you could be paying less to insure your 2016 Chevrolet Camaro by improving your credit score.

Compare quotes for insurance

Most of the larger companies allow you to get coverage prices online. Obtaining pricing is fairly straightforward as you simply enter the coverage amounts you desire as detailed in the form. After the form is submitted, the system will obtain credit information and your driving record and gives you a price quote based on these and other factors. This makes comparing rates easy, but the time required to go to several different sites and complete many quote forms gets old quite quickly. But it is imperative to compare as many rates as possible in order to get the lowest insurance rates.

The easiest way to get multiple rate quotes uses just one form that gets price quotes from several different companies. This type of form saves time, requires less work, and makes online price comparison much simpler. As soon as the form is sent, it gets priced and you can select any of the price quotes you receive.

If a lower price is quoted, you can click and sign and purchase the new policy. The whole process just takes a couple of minutes and may save quite a bit of money.

To save time and compare pricing, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you enter the insurance coverages identical to your current policy. This guarantees you will have rate comparison quotes for exact coverage.

Don’t believe everything you hear

Consumers can’t avoid all the ads that promise big savings from the likes of Allstate and Progressive. All the companies have a common claim of big savings if you move your insurance coverage policy to them.

That’s great but how can every company save you money? This is the trick they use.

Different companies have specific characteristics for the driver that earns them the highest profit. One example of a profitable insured may need to be over the age of 50, is a homeowner, and drives a lower-performance vehicle. Any customer who fits those characteristics will get low prices and most likely will save money with a new company.

Potential customers who don’t measure up to the ideal profile will see higher rates and ends up with the customer not buying. The wording the ads use say “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. This is how companies can make those statements.

This emphasizes why it is so important to compare free insurance quotes often. It’s impossible to know which company will provide the lowest premium rates.

Double check you’re getting these money-saving discounts

Not too many consumers would say insurance is affordable, but there may be some discounts that you may not even be aware of. Many discounts should be triggered when you complete an application, but some may not be applied and must be asked for before you get the savings.

  • Save over 55 – If you qualify as a senior citizen, you may receive a small decrease in premiums on Camaro coverage.
  • Auto/Home Discount – If you combine your auto and homeowners policies and place coverage with the same company you could save 10% to 20% off each policy.
  • Drivers Education – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Discount for Life Insurance – Select insurance companies reward you with a lower rate if you buy some life insurance too.
  • Buy New and Save – Buying a new car instead of a used car can get you a discount since newer vehicles have better safety ratings.
  • Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies permit an accident before your rates go up if you are claim-free for a certain period of time.
  • Defensive Driver Discount – Passing a course in driver safety may get you a small discount if your company offers it.

Don’t be surprised that most discounts do not apply the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, you won’t be that lucky.

Large insurance companies and some of their more popular discounts include:

  • State Farm may offer discounts for accident-free, Drive Safe & Save, anti-theft, multiple policy, and good driver.
  • Progressive offers discounts including multi-policy, good student, online signing, multi-vehicle, and continuous coverage.
  • Travelers may include discounts for new car, student away at school, early quote, good student, home ownership, multi-car, and hybrid/electric vehicle.
  • American Family offers premium reductions for good driver, TimeAway discount, Steer into Savings, good student, and air bags.
  • Liberty Mutual has savings for new move discount, good student, safety features, newly retired, hybrid vehicle, and multi-policy.

When getting a coverage quote, ask each insurance company the best way to save money. Savings may not be offered in your area. For a list of companies offering insurance discounts, click here.

Do I need special coverages?

When choosing coverage, there is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help you determine if you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Should I sign the liability waiver when renting a car?
  • Can I get a multi-policy discount?
  • Should I drop comprehensive coverage on older vehicles?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • If my pet gets injured in an accident are they covered?
  • How do I insure my teen driver?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Car insurance 101

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as pain medications, EMT expenses, ambulance fees, surgery and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision protection

Collision coverage will pay to fix damage to your Camaro resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, rock chips in glass and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

This provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as structural damage, funeral expenses, repair costs for stationary objects, pain and suffering and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Chevy Camaro.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Coverage on a shoestring budget

Cheaper 2016 Chevy Camaro insurance can be sourced on the web and also from your neighborhood agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and usually these regional carriers prefer to sell through independent agents.

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an insured dropped comprehensive coverage or liability limits only to discover later that they should have had better coverage. The ultimate goal is to find the BEST coverage for the lowest cost while not skimping on critical coverages.

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