1991 Chevrolet Camaro Car Insurance Rates – 8 Savings Tips

Trying to find lower car insurance rates for your Chevrolet Camaro? If you’re looking for more affordable insurance online, are you confused by the number of car insurance sources that you can choose from? consumers have so many choices that it is a difficult mission to compare prices.

Smart consumers take time to get comparison quotes on a regular basis because rates fluctuate regularly. Despite the fact that you may have had the lowest rate for Camaro coverage a couple years back a different company probably has better prices today. Block out anything you think you know about car insurance because you’re going to learn how to use online quotes to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you will be able to save some money using these techniques. This information will tell you how car insurance quotes work and some tips to save money. But car owners do need to know the way companies sell online and take advantage of how the system works.

Don’t overlook these eight insurance discounts

Some insurance providers don’t always publicize their entire list of discounts in an easy-to-find place, so the below list has a few of the more well known and the more hidden savings tricks you should be using when you buy insurance online.

  • Defensive Driver – Taking a defensive driving class may get you a small discount if your company offers it.
  • Seat Belts Save – Forcing all vehicle occupants to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and will qualify for a discount on a insurance quote.
  • One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will turn a blind eye to one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Telematics Data Discounts – People who choose to allow their company to spy on their driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they show good driving skills.
  • Resident Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home could qualify for this discount.
  • Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class if offered at their school.
  • Claim-Free Discount – Drivers who don’t have accidents pay much less when compared to drivers who are more careless.

Discounts save money, but please remember that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like you can get free auto insurance, it just doesn’t work that way. But any discount will reduce the cost of your policy.

Larger insurance companies and a partial list of their discounts are included below.

  • State Farm offers discounts for multiple policy, Steer Clear safe driver discount, good driver, accident-free, passive restraint, safe vehicle, and defensive driving training.
  • Esurance offers discounts including good driver, Pac-12 alumni, paid-in-full, good student, multi-policy, renters, and multi-car.
  • Progressive policyholders can earn discounts including multi-policy, good student, online signing, continuous coverage, online quote discount, and homeowner.
  • Liberty Mutual discounts include new graduate, multi-car, good student, new move discount, and exclusive group savings.
  • Auto-Owners Insurance may include discounts for company car, multiple vehicles, group or association, safe driver, anti-theft, teen driver, and multi-policy.
  • GEICO may offer discounts for five-year accident-free, driver training, defensive driver, emergency military deployment, membership and employees, and daytime running lights.

Before you buy a policy, ask all companies you are considering how many discounts you can get. Some of the earlier mentioned discounts may not apply to policyholders in your area. If you would like to choose from a list of providers with discount insurance rates, click here to view.

When to get professional advice

When it comes to buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

These are some specific questions might help in determining whether or not you could use an agent’s help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Is my state a no-fault state?
  • Are my friends covered when driving my car?
  • Does coverage extend to my business vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Drivers who switch save $395 a year? Really?

Progressive, GEICO, Allstate and State Farm seem to constantly run television and radio advertisements. They all seem to state the claim that you can save just by moving to them. How do they all offer you a better deal? Here is how they do it.

Insurance coverage companies have specific guidelines for the type of driver that earns them a profit. For example, this type of driver might be described as over the age of 40, carries full coverage, and drives a vehicle with a low ISO rating. Any new insured that hits that “sweet spot” gets the lowest rates and will most likely save if they switch.

Potential customers who don’t measure up to these criteria will probably have to pay higher prices with the end result being the customer not buying. The ads say “customers who switch” not “all people who quote” can get the lowest rates when switching. That’s why companies can claim big savings. This emphasizes why you really need to compare price quotes frequently. Because you cannot predict the company that will have better rates than you’re paying now.

Specific coverage details

Learning about specific coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, backing into a parked car, hitting a parking meter, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, vandalism and fire damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for 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. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like legal defense fees, repair costs for stationary objects, attorney fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like dental work, prosthetic devices, hospital visits and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Be Smart and Buy Smart

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced full coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the best cost while still protecting your assets.

Drivers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, lack of trust in their agent and high prices. It doesn’t matter why you want to switch choosing a new company can be pretty painless.

We just covered many tips how you can save on 1991 Chevy Camaro insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even discover the biggest savings come from the least-expected company.

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