Save on 1997 Chevrolet Camaro Insurance Quotes

Trying to find better auto insurance rates? Buyers have a choice when searching for the lowest priced Chevy Camaro insurance. You can either spend your time calling around trying to get quotes or use the internet to find the lowest rates.

There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the proper way to get price quotes for your Chevy and find the lowest possible price.

Smart consumers take time to do rate comparisons periodically since rates tend to go up over time. If you had the best rates for Camaro insurance a year ago you may be paying too much now. There is a lot of bad information regarding auto insurance online, so with this article, you’re going to get some proven techniques to save money.

Compare Quotes for Insurance

Most major insurance companies give pricing directly from their websites. This process is quite simple as you just enter your coverage preferences as requested by the quote form. When the form is submitted, their system orders information on your driving record and credit history and returns a price quote.

This simplifies rate comparisons, but the time it takes to visit different websites and complete many quote forms is monotonous and tiresome. But it’s very important to get many rate quotes if you are searching for the best price possible.

A less time-consuming method to find better insurance pricing requires only one form that analyzes rates from several different companies. The form is fast, requires much less work on your part, and makes online quotes a little more enjoyable. After sending the form, your coverage is rated and you can choose any or none of the quote results.

If the quotes result in lower rates, you simply finish the application and purchase coverage. This process only takes a few minutes and can result in significant savings.

To quickly compare rates using this form now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in the limits and deductibles as shown on your current policy. Using the same limits helps guarantee you will have a price comparison based on identical coverages.

Discounts mean cheaper 1997 Chevy Camaro insurance rates

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Most are applied at quote time, but less common discounts must be asked about before they will apply. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

Low Mileage – Fewer annual miles on your Chevy could qualify for a substantially lower rate.
Early Signing – Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
Passive Restraint Discount – Factory air bags can get savings of up to 25% or more.
Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Camaro insurance than drivers with accident claims.
Federal Employees – Simply working for the federal government may qualify you for a discount for Camaro insurance depending on your company.
E-sign – A handful of insurance companies may give you up to $50 just for signing your application digitally online.

It’s important to note that some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will bring down your overall premium however.

For a list of insurers with discount insurance rates, click here.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions can help discover whether your personal situation will benefit from professional help.

I have health insurance so do I need medical payments coverage?
Do I get a pro-rated refund if I cancel my policy early?
Does my personal policy cover me when driving out-of-state?
Am I covered when using my vehicle for business?
Do I need to file an SR-22 for a DUI in my state?
Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Camaro.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like rehabilitation expenses, hospital visits and nursing services. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, theft and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

This pays for damage to your Camaro from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, crashing into a building, hitting a mailbox, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

This coverage will cover damage that occurs to other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical services, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.