Save Hundreds on Chevy Camaro Insurance in Five Minutes or Less

Have you fallen victim to high-priced auto insurance? Believe me when I say you’re not alone.

Lots of insurance companies contend for your hard-earned dollar, so it can be very hard to choose a company to discover the definitive lowest rate

It’s a great practice to take a look at other company’s rates yearly due to the fact that insurance rates change quite often. If you had the best rates on Camaro coverage a few years ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because you’re about to find out one of the best ways to reduce your cost while improving coverage.

Pay less by taking advantage of discounts

Auto insurance companies do not list every available discount in an easy-to-find place, so here is a list both well-publicized and also the lesser-known auto insurance savings.

  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Sign Online – A handful of insurance companies will give a small break for buying a policy and signing up over the internet.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% on Camaro coverage with certain companies.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you can get free auto insurance, you’re out of luck.

To choose insurers who offer auto insurance discounts, click here to view.

How to Compare Auto Insurance Rates

Comparing auto insurance rates can take hours if you aren’t aware of the best way to get rate quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could use the internet to get rate comparisons in just a few minutes.

All the larger companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company returns a rated price based on that information. This prevents consumers from doing quote requests to each company. To participate in this free quote system, click to open in new window.

One minor caviat to getting quotes like this is you can’t choose which carriers you want pricing from. If you wish to select from a list of companies to compare rates, we put together a list of auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using identical coverage limits for each comparison quote. If you enter higher or lower deductibles it will be next to impossible to make a fair comparison for your Chevy Camaro. Just a small difference in limits may result in large price differences. Keep in mind that getting more free quotes provides better odds of finding a better price.

Factors that can influence Chevy Camaro insurance rates

Smart consumers have a good feel for some of the elements that play a part in calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that could result in big savings.

  • Pleasure use saves money – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your Camaro can result in significantly higher rates.
  • Your car’s features help determine rates – Owning a car with a theft deterrent system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Sex matters – The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both tend to get into accidents in similar percentages, but the men have costlier accidents. Men also statistically have more aggressive citations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Your credit rating is important – Having a bad credit score is a big factor in your rate calculation. So if your credit rating is lower than you’d like, you could save money insuring your Chevrolet Camaro by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit.
  • Safer cars cost less to insure – Cars with high safety ratings tend to have better insurance rates. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Chevy Camaro earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Rural vs Urban Areas – Residing in a rural area is a positive aspect when insuring your vehicles. Lower population translates into fewer accidents and also fewer theft and vandalism claims. City drivers regularly have more traffic problems and longer commutes to work. Higher commute times means more change of being in an accident.
  • No coverage gaps is important – Driving without insurance is a misdemeanor and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, but not being able to provide proof of insurance can result in a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Can I rate high risk drivers on liability-only vehicles?
  • What is the minimum liability in my state?
  • When would I need additional glass coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • How much liability do I need to cover my assets?
  • Am I getting all the discounts available?
  • Does my insurance cover a custom paint job?

If you’re not sure about those questions but you know they apply to you then you might want to talk to 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.

Are you falling for claims of savings?

Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. All the companies make an identical promise that you’ll save big if you switch your coverage to them. But how can every company claim to save you money? This is how they do it.

Chevrolet Camaro insurance

All the different companies are able to cherry pick for the type of driver that earns them a profit. For instance, a desirable insured might be between the ages of 30 and 50, owns a home, and has great credit. A propective insured who meets those qualifications will get very good rates and most likely will save quite a bit of money when switching.

Drivers who don’t qualify for this ideal profile must pay higher rates which usually ends up with business going elsewhere. The ads state “people who switch” not “everyone that quotes” save that much money. That’s the way companies can claim big savings. This illustrates why drivers must get a wide range of price quotes. It’s just too difficult to predict which auto insurance company will fit your personal profile best.

In conclusion

Cheap Chevy Camaro insurance can be purchased online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not offer online price quotes and these regional insurance providers work with independent agents.

When you buy insurance online, it’s not a good idea to reduce needed coverages to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to regret that it was a big mistake. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.