1998 Chevrolet Camaro Insurance Rates

Comparison shopping for more affordable insurance can be a challenge for drivers who are new to online price comparisons. With such a large number of agents and insurers available, it can be hard work to compare rates.

How to lower your insurance prices

The best way to find cheaper insurance is to take a look at a few of the rating criteria that play a part in calculating the price you pay for insurance. When you understand what controls the rates you pay, this enables you to make decisions that will entitle you to better insurance rates.

Listed below are some of the items used by insurance companies to determine prices.

• Policy add-ons add up – There are many additional extra coverages that can add up if you aren’t diligent. Coverages for roadside assistance, accident forgiveness, and Farm Bureau memberships may be wasting your money. They may seem good at first, but your needs may have changed so remove them from your policy.
• Premiums increase with driving tickets – Your driving record can have a huge impact on auto insurance premiums. Careful drivers pay less for auto insurance than bad drivers. Having a single speeding ticket can boost insurance rates to the point where it’s not affordable. Drivers who have gotten careless tickets like DUI or reckless driving might be required by their state to file a SR-22 with their state DMV in order to legally drive.
• High coverage deductibles equal low rates – Physical damage deductibles define how much you are willing to pay before your insurance pays a claim. Insurance for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some instances where coverage would apply could be a windshield broken by a bird, damage from fire, or theft of your vehicle. The higher the amount the insured has to pay upfront, the less your insurance will be for Camaro insurance.
• Keep insurance claims to a minimum – Companies provide the lowest premiums to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended for claims that you cannot pay yourself.
• Always keep your policy in force – Allowing your coverage to lapse can be a quick way to increase your insurance rates. And not only will insurance be more expensive, getting caught without coverage might get you a revoked license or a big fine. You will then be forced to prove you have insurance by filing a SR-22 with your state DMV.
• Higher insurance rates for specific employers – Did you know your insurance rates can be affected by your occupation? Occupational choices like military generalspolice officers and accountants generally pay higher premium rates due to high stress levels and lots of time spent away from family. Other occupations like scientists, students and the unemployed have lower than average premiums for Camaro insurance.

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These discounts can lower your insurance coverage rates

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that can help lower your rates. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be specially asked for prior to getting the savings.

• Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
• Multi-policy Discount – If you can combine your home and auto policy and insure them both with the same insurance company you could get a discount of 10% to 20% off each policy.
• Seat Belt Discounts – Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
• Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for lower premium rates for Camaro insurance.
• Life Insurance – Select insurance carriers reward you with a break if you buy a life policy as well.
• Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.
• E-sign – Many larger companies will discount your bill up to fifty bucks for signing up over the internet.
• Save with a New Car – Insuring a new car can be considerably cheaper compared to insuring an older model.
• Distant Student Discount – Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
• Drive Less and Save – Maintaining low annual mileage may enable drivers to earn lower prices on the low mileage vehicles.

Don’t be shocked that many deductions do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Insurance companies who might offer these benefits include:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

It’s a good idea to ask all companies you are considering what discounts are available to you. Some credits might not be offered in your state. If you would like to view companies with the best discounts, click here.

Slick advertising tricks that work

Insurance providers like Allstate, Geico and Progressive seem to constantly run ads on television and other media. They all try to convey promises about saving some big amount just by moving to them. How is it plausible that every one can claim to save you money?

All companies have specific characteristics for the type of insured that earns them the most money. For instance, a profitable insured could possibly be a mature driver, has a clean driving record, and insures a new vehicle. Any new insured who fits those characteristics gets the lowest car insurance rates and therefore will pay quite a bit less when switching companies.

Consumers who are not a match for this ideal profile must pay a higher rate with the end result being the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” not “everybody who quotes” can save as much as they claim. That’s why insurance companies can claim big savings.

This really emphasizes why drivers must compare quotes as often as possible. It is impossible to predict which insurance company will provide the lowest premium rates.

Different people need different insurance coverages

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if you may require specific advice.

• Is my dog or cat covered if injured in an accident?
• Am I missing any policy discounts?
• Do I need replacement cost coverage on my 1998 Chevy Camaro?
• What is the ISO rating for a 1998 Chevy Camaro?
• Does coverage extend to my business vehicle?
• Do I need roadside assistance coverage?
• Should I waive the damage coverage when renting a car?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

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Specific coverages for a 1998 Chevy Camaro

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, vandalism, a broken windshield and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This covers damage to your Camaro from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, crashing into a building, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for EMT expenses, chiropractic care, prosthetic devices and pain medications. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability insurance will cover damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

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 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as funeral expenses, structural damage, medical services and bail bonds. How much coverage you buy is up to you, but consider buying as large an amount as possible.

More choices the merrier

Drivers switch companies for many reasons like questionable increases in premium, lack of trust in their agent, high prices and denial of a claim. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice full coverage and discovered at claim time that it was a big error on their part. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

Some insurance companies do not provide the ability to get quotes online smaller providers prefer to sell through independent insurance agencies. Budget-friendly auto insurance can be sourced from both online companies in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates.

Much more information about auto insurance can be read at these links:

• Child Safety FAQ (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)

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