Compare 1997 Chevrolet Camaro Insurance Quotes

I can’t think of anyone who gets a kick out of paying for insurance coverage, in particular when the prices are way too high.

You have multiple insurance companies to pick from, and although it’s nice to have multiple companies, lots of choices makes it harder to compare rates and cut insurance costs.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you will most likely be able to save some money using these tips. But vehicle owners can benefit from knowing how the larger insurance companies price insurance differently and apply this information to your search.

The best way we recommend to compare car insurance company rates is to take advantage of the fact most of the larger companies participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details like whether you are married, how much you drive, if you lease or own, and how old drivers are. Your information is then sent to multiple top-rated companies and you receive quotes immediately.

To compare multiple company rates now, click here and enter the information requested.

These discounts can lower your car insurance rates

Insuring your fleet can be pricey, but there could be available discounts that may help make it more affordable. Larger premium reductions will be automatically applied at the time you complete a quote, but some discounts are required to be specially asked for prior to getting the savings.

• 55 and Retired – If you qualify as a senior citizen, you may qualify for reduced rates on Camaro coverage.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance coverage quote on Camaro coverage compared to accident prone drivers.
• Discount for New Cars – Buying a new car model can be considerably cheaper because newer vehicles keep occupants safer.
• Accident Forgiveness Coverage – but companies like Progressive, State Farm and Geico permit an accident without getting socked with a rate hike if you have no claims before the accident.
• Employee of Federal Government – Having worked for a branch of the government can earn a discount up to 10% on Camaro coverage depending on your company.
• Military Rewards – Being deployed with a military unit can result in better premium rates.
• Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.

As a sidenote, some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, companies don’t profit that way. But all discounts will cut your premiums.

Some companies that have most of these discounts include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

Check with each company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies in your area. If you would like to view car insurance companies with significant discounts, click here to view.

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Why your insurance prices might be higher

A large part of saving on insurance is knowing a few of the rating criteria that are used to determine the level of your policy premiums. If you understand what influences your rates, this enables informed choices that may reward you with cheaper rates. Many different elements are considered when premium rates are determined. Most are fairly basic such as traffic violations, but others are more obscure like your vehicle usage or your financial responsibility.

The items below are a few of the “ingredients” insurance companies consider when setting your prices.

• Reserve claims for larger damages – If you file a lot of claims you should expect either higher rates or even cancellation. Auto insurance companies award the best rates to insureds who are not frequent claim filers. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
• Safer occupants lowers premiums – Cars with high safety ratings tend to have lower insurance rates. Safer cars have better occupant injury protection and fewer injuries means less claims paid and more competitive rates for policyholders.
• Do men or women drive better? – Over the last 30 years, statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. They both cause fender benders in similar numbers, but guys have costlier accidents. In addition to higher claims, males also get more serious tickets such as reckless driving. Males from age 16 to 21 have the highest risk to insure and are penalized with high insurance rates.
• Urban areas may pay more – Choosing to live in small towns and rural areas has it’s advantages when trying to find low car insurance rates. People in densly populated areas regularly have much more traffic and higher rates of accident claims. Fewer people translates into fewer accidents.
• Lower miles driven equals lower premium – Driving a lot of miles each year the more you’ll pay to insure your vehicle. A lot of insurance companies calculate rates based upon how much you drive. Cars left parked in the garage can be on a lower rate level compared to those used for work or business. Double check that your insurance policy correctly shows the proper vehicle usage, because improper ratings can cost you money. Improper usage on your Camaro is just wasting money.
• Teen vs. older drivers – Inexperience drivers are proven to be less responsible when driving therefore insurance rates are much higher. If you’ve ever had to add a beginning driver to your policy will cause a huge premium hike. More mature drivers are viewed as being more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.

Different people need different car insurance coverages

When choosing proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if you might need professional guidance.

• What is no-fault insurance?
• Can I rent a car in Mexico?
• Why am I required to get a high-risk car insurance policy?
• Do I need added coverage for expensive stereo equipment?
• When can my company non-renew my policy?
• Why am I required to buy high-risk coverage?
• Should I buy full coverage?
• How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Educate yourself about car insurance coverages

Knowing the specifics of car insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most car insurance policies.

Collision coverage

This pays for damage to your Camaro resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, hitting a parking meter, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses like funeral costs, hospital visits, rehabilitation expenses and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive car insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, falling objects, rock chips in glass and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

Liability coverage will cover injuries or damage you cause to a person or their property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like medical expenses, court costs, legal defense fees, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Camaro.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

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Saving money is sweet as honey

Low-cost 1997 Chevy Camaro insurance is possible online in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some car insurance companies do not offer price quotes online and usually these small, regional companies prefer to sell through local independent agencies.

We just showed you some good ideas how to reduce 1997 Chevy Camaro insurance rates online. The most important thing to understand is the more companies you get auto insurance rates for, the higher your chance of finding low cost insurance coverage. Consumers may even find the lowest rates come from the least-expected company. They may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

Other resources

• Keeping Children Safe in Crashes Video (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Coverage Information (Progressive Insurance)
• Auto Insurance 101 (About.com)

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