Looking for cheaper insurance rates for your Chevrolet Camaro? No one cherishes buying insurance, especially when their premiums are too high. Many insurers vie for your hard-earned dollar, so it’s not easy to compare every insurer to find the lowest price
Shopping for lower insurance rates can take hours if you don’t utilize the easiest way. You can waste hours driving to agents in your area, or you could use the web to get rate comparisons in just a few minutes.
Many popular insurance companies belong to an insurance system where prospective buyers enter their coverage request one time, and each company provides a quote based on that information. This saves time by eliminating form submissions for each company you want a rate for.
To compare 1996 Chevy Camaro rates now click here (opens in new window).
The single downside to using this type of form is that you can’t choose the providers to get quotes from. If you would rather choose specific insurance companies to request quotes from, we put together a list of low cost insurance companies in your area. View list of insurance companies.
It doesn’t matter which method you choose, just compare apples-to-apples quote information for every quote you compare. If each company quotes different values for each quote it will be very difficult to truly determine the lowest rate.
Car insurance companies don’t always advertise all their discounts in a way that’s easy to find, so we researched some of the more common and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.
Drivers should understand that many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.
Companies who might offer these money-saving discounts may include but are not limited to:
Double check with all companies you are considering how you can save money. Savings might not apply in your state.
When buying proper insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might point out if your situation could use an agent’s help.
If you can’t answer these 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, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
An important part of buying insurance is that you know some of the elements that go into determining car insurance rates. When you know what positively or negatively determines base rates enables informed choices that can help you get lower car insurance prices.
Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages available from car insurance companies.
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like rehabilitation expenses, hospital visits and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like hitting a deer, damage from a tornado or hurricane and falling objects. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for things such as legal defense fees, structural damage, pain and suffering and medical services. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Camaro.
Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Collision coverage will pay to fix damage to your Camaro resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as damaging your car on a curb, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.
The cheapest 1996 Chevy Camaro insurance can be bought both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.
As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There are too many instances where an insured dropped collision coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at the best price.
You just learned a lot of tips how to shop for insurance online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising. These smaller insurers often have lower prices on specific markets than their larger competitors like Progressive or GEICO.