1994 Chevrolet Camaro Insurance Quotes – 8 Policy Discounts

Paying for high-priced Chevrolet Camaro insurance can drain your personal savings and make it impossible to make ends meet. Comparing price quotes is a great way to slash your bill and have more diposable income.

Insurance companies such as GEICO and Progressive continually bombard you with ads and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

The best way we recommend to compare rates is to know almost all companies allow for online access to compare their rates. To start a quote, the only thing you need to do is give them some information like if you’re married, what your job is, if you lease or own, and the type of vehicles you drive. Your insurance information is submitted instantly to many of the top insurers and they return rate quotes immediately.

To find the cheapest 1994 Chevy Camaro insurance rates, click here and enter the information requested.

Discounts on 1994 Chevy Camaro insurance

Auto insurance companies don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find both the well known and the more hidden ways to save on car insurance.

  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Low Mileage – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Resident Student – Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Accident Waiver – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Driver Safety – Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Senior Citizens – Mature drivers may receive reduced rates for Camaro coverage.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.

For a list of insurance companies with discount car insurance rates, follow this link.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you will benefit from professional help.

  • What is the ISO rating for a 1994 Chevy Camaro?
  • What is the rate difference between pleasure use and commuting?
  • Should I buy additional glass protection?
  • How much can I save by bundling my policies?
  • How much liability do I need to cover my assets?
  • Do I need roadside assistance coverage?
  • Can I afford to buy a different vehicle if my 1994 Chevy Camaro is totaled?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Drivers who switch save $422 a year? Really?

Insurance providers like State Farm and Allstate regularly use ads on TV and radio. They all make an identical promise about savings if you move to them. But how can every company say the same thing?

Different companies are able to cherry pick for the driver that is profitable for them. For instance, a profitable customer could be between 30 and 50, owns a home, and drives newer vehicles. A driver that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don’t qualify for the “perfect” profile will be quoted higher prices and ends up with business going elsewhere. Company advertisements say “customers that switch” not “everybody who quotes” save that kind of money. This is how insurance companies can claim big savings. This emphasizes why drivers must get as many quotes as possible. You cannot predict the company that will give you the biggest savings on Chevy Camaro insurance.

Auto insurance 101

Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Coverage for liability – This coverage can cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

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. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like attorney fees, pain and suffering, medical services, funeral expenses and repair costs for stationary objects. How much coverage you buy is your choice, but buy higher limits if possible.

Collision – This pays for damage to your Camaro from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, rolling your car, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive auto coverage – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hail damage, theft and vandalism. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for expenses for things like nursing services, funeral costs, EMT expenses and pain medications. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

The best insurance company isn’t always the cheapest

Low-cost 1994 Chevy Camaro insurance is possible both online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented a lot of tips how to shop for insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the best price on car insurance is with a small local company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.

Additional car insurance information can be found at these links: