1999 Chevrolet Camaro Insurance Rates – 7 Policy Discounts

Finding the most affordable auto insurance on the web is intimidating for beginners to online price comaprisons. With dozens of online companies, how can you possibly compare the different rates to find the cheapest rates?

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but there are discounts available that many people don’t even know exist. Certain discounts will be applied at the time of quoting, but some may not be applied and must be requested specifically in order for you to get them.

  • New Car Discount – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Government Employees – Active or retired federal employment may qualify you for a discount on Camaro coverage depending on your company.
  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10% on Camaro coverage.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Distant Student – Any of your kids living away from home attending college and don’t have a car may qualify for this discount.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Passive Restraints – Factory air bags or automatic seat belts can get savings of more than 20%.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will reduce the cost of coverage.

Companies that possibly offer some of the above discounts include:

Before buying, ask every prospective company what discounts are available to you. Discounts might not apply everywhere.

Everyone needs different coverages

When it comes to buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help you determine whether you could use an agent’s help.

  • How many claims can I have before being cancelled?
  • Where can I find DUI or SR-22 insurance?
  • How can I get my company to pay me more for my totalled car?
  • At what point should I drop full coverage?
  • Why am I required to buy liability insurance?
  • Does having multiple vehicles earn me a discount?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I drive in a foreign country?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Advertising myths

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies have a common claim that you’ll save big if you move your policy. How can each company claim to save you money?

All the different companies have a preferred profile for the right customer that earns them a profit. An example of a preferred risk might be between the ages of 40 and 55, a clean driving record, and drives less than 7,500 miles a year. A customer who matches those parameters will get very good rates and most likely will save when they switch companies.

Potential insureds who do not match the “perfect” profile will be charged higher prices and ends up with the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can make the claims of big savings.

That is why drivers should compare as many rates as you can. It’s just too difficult to predict the company that will fit your personal profile best.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for short-term medical expenses for rehabilitation expenses, pain medications and ambulance fees. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision – Collision coverage covers damage to your Camaro resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Liability car insurance – Liability insurance protects you from damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like structural damage, medical services and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, vandalism, a tree branch falling on your vehicle, damage from getting keyed and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Find Good Coverage for Less

Cheaper 1999 Chevy Camaro insurance can be sourced from both online companies as well as from independent agents, so you should compare both to have the best rate selection. A few companies don’t offer online price quotes and these regional insurance providers work with independent agents.

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In many instances, someone dropped collision coverage to discover at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage for the lowest price.

Consumers leave their current company for any number of reasons including delays in responding to claim requests, being labeled a high risk driver, delays in paying claims or even policy cancellation. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

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