Save on 1990 Chevrolet Camaro Car Insurance Rates

Looking for cheaper car insurance rates? Shoppers have lots of choices when shopping for the best price on Chevy Camaro insurance. You can either waste hours calling around getting price quotes or save time using the internet to compare rates. There is a better way to find car insurance online and we’ll show you the proper way to quote coverages on a Chevy and locate the cheapest rates from local insurance agents and online providers.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Drivers just need to learn the proper methods to shop their coverage around online.

Do you qualify for a discount?

Companies offering auto insurance don’t necessarily list all their discounts very well, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Student in College – Any of your kids who are attending college and do not have a car may be able to be covered for less.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Camaro coverage than drivers with accidents.
  • Memberships – Being a member of a qualifying organization may earn a discount on auto insurance for Camaro coverage.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.

It’s important to understand that many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free auto insurance policy, it just doesn’t work that way.

For a list of companies who offer auto insurance discounts, click here to view.

Chevy Camaro rate determination is complex

An important part of buying insurance is that you know the factors that play a part in calculating insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

Shown below are a partial list of the pieces used by your company to calculate rates.

  • Where do you drive? – The higher the mileage driven every year the higher your rate. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos left parked in the garage receive lower rates than those used for commuting. Make sure your insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Camaro may be wasting your money.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings are cheaper to insure. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Chevy Camaro is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Protect yourself with liability coverage – The liability section of your policy provides coverage if ever you are found liable for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Credit scores impact insurance rates – Having a bad credit history is a important factor in determining your rates. If your credit is not that good, you could save money insuring your 1990 Chevrolet Camaro by improving your rating. People with high credit scores tend to be more responsible as compared to drivers with lower credit scores.
  • Where you live – Choosing to live in small towns and rural areas can be a good thing when talking about insurance. Drivers in populated areas tend to have much more traffic and longer commute times. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
  • Tickets mean higher rates – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Only having one citation can bump up the cost twenty percent or more. Drivers who have serious citations such as DUI or reckless driving may need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • No coverage gaps is important – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance will get you a license revocation or jail time.

What coverages do I need?

When choosing the best car insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I break a side mirror?
  • Does my personal policy cover me when driving out-of-state?
  • Should I put collision coverage on all my vehicles?
  • Why is insurance for a teen driver so high?
  • Am I covered when driving someone else’s vehicle?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Do drivers who switch really save $469 a year?

Consumers constantly see and hear ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. All the companies say the same thing that you can save after switching to their company.

How do they all make almost identical claims? It’s all in the numbers.

Insurance companies have a certain “appetite” for the right customer they prefer to insure. An example of a driver they prefer might be profiled as between 25 and 40, owns a home, and drives less than 10,000 miles a year. A customer who fits that profile will get the preferred rates and therefore will save a lot of money.

Consumers who don’t qualify for these standards will have to pay a more expensive rate and this can result in business not being written. The ads state “drivers who switch” not “everybody who quotes” save that much money. That is how companies can truthfully make those claims. Because of the profiling, it’s extremely important to compare many company’s rates. It’s impossible to know which auto insurance company will provide you with the cheapest Chevy Camaro insurance rates.

Auto insurance coverage options for a 1990 Chevy Camaro

Understanding the coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for prosthetic devices, hospital visits, dental work, ambulance fees and surgery. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage


Liability coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like court costs, legal defense fees and medical expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, a tree branch falling on your vehicle, damage from getting keyed and hitting a deer. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Buy Smart and Save

As you prepare to switch companies, you should never reduce coverage to reduce premium. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The proper strategy is to get the best coverage possible for the lowest price.

Consumers leave their current company for any number of reasons including questionable increases in premium, poor customer service, policy non-renewal and extreme rates for teen drivers. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

Cheaper 1990 Chevy Camaro insurance is possible from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

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