Trying to find cheaper car insurance rates for your Chevrolet Camaro? I can’t think of anyone who likes paying for car insurance, particularly when their premiums are through the roof. Big companies like State Farm and GEICO all claim big savings, bombarding you with catchy ads and it can be hard to ignore the propoganda and take the time to shop coverage around.
If you are insured now or are shopping for new coverage, you can learn to cut your premiums while maintaining coverages. Finding the best rates is not that difficult. Drivers only need an understanding of the proper way to shop for auto insurance on the web.
Most companies such as GEICO, State Farm and Progressive give pricing on the web. The process is quite easy as you just enter the coverage amounts you desire into the quote form. Once you submit the form, their system requests information on your driving record and credit history and gives you a price quote based on many factors. Quoting online simplifies rate comparisons, but the time it takes to visit multiple sites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible if you want to find the lowest car insurance rates.
The preferred way to lower your car insurance bill uses one form to return rates from several different companies. This type of form saves time, requires much less work on your part, and makes online quotes much easier to do. After your information is entered, it gets priced and you are able to buy any one of the returned quotes. If you find a better price you simply finish the application and purchase the new policy. This process just takes a couple of minutes and you will know how your current rates stack up.
To save time and get comparison pricing now, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you duplicate the coverage information as shown on your current policy. Doing this assures you will have rate comparison quotes for the exact same coverage.
When it comes to buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different so your insurance should reflect that For example, these questions can help discover whether you might need professional guidance.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like hail damage, vandalism, damage from a tornado or hurricane and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like doctor visits, surgery, rehabilitation expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
This coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.
Liability can pay for claims like medical services, funeral expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.
Collision insurance will pay to fix damage to your Camaro caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like sideswiping another vehicle, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.
Coverage for uninsured or underinsured drivers
This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Camaro.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.