View 1993 Chevrolet Camaro Insurance Quotes

Looking for the cheapest car insurance rates for your Chevrolet Camaro? Are you tired of sacrificing to buy car insurance? You are in the same boat as most other vehicle owners.

Due to the large number of options, it is hard for the average consumer to pick the right company.

These discounts can lower your insurance coverage rates

Companies that sell car insurance don’t always advertise every policy discount very well, so here is a list some of the best known as well as some of the hidden discounts that may be available.

• No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts compared to drivers with a long claim history.
• Auto/Home Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company you could earn a discount of as much as 10 to 15 percent.
• Discount for Good Grades – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
• Own a Home – Being a homeowner can save you money because owning a home requires a higher level of personal finance.
• Waiver for an Accident – This one is not really a discount per se, but a handful of insurance companies will turn a blind eye to one accident before raising your premiums if you are claim-free before the accident.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it will make them better drivers and lower rates.

A quick disclaimer, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, it’s just not the way it works.

To locate providers with discount insurance coverage rates, click this link.

How to get free insurance coverage quotes online

There are multiple methods to shop for insurance coverage, but some are easier and takes less work. You could spend your day driving to local insurance agents in your area, or you could use the internet to maximize your effort.

Most of the larger companies take part in a program that enables customers to send in one quote, and each company then returns a price quote based on that data. This eliminates the need for quote requests to every company.

To use this form to compare rates click here to open in new window.

One minor caviat to using this type of form is you don’t know exactly which providers to receive prices from. So if you want to choose individual companies to compare prices, we have assembled a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make sure you use nearly identical quote information with every price quote. If you enter different values for each quote you will not be able to determine the best price for your Chevy Camaro. Just slight variations in insurance coverages or limits could throw off the whole comparison. Keep in mind that comparing a wide range of rates will improve the odds of getting a lower rate.

Different people need different auto insurance coverages

When buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions might help in determining if your situation will benefit from professional help.

• Am I covered when using my vehicle for business?
• Are my friends covered when driving my 1993 Chevy Camaro?
• Does coverage extend to a rental car in a foreign country?
• Can I afford low physical damage deductibles?
• Should I buy only the required minimum liability coverage?
• Why am I required to get a high-risk car insurance policy?
• Should I have combined single limit or split liability limits?
• When do I need to add a new car to my policy?
• What can I do if my company denied a claim?
• Should I get collision insurance on every vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Coverage for collisions

This coverage pays for damage to your Camaro resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, hitting a parking meter, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability insurance

This provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as funeral expenses, emergency aid, loss of income and medical expenses. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for pain medications, hospital visits, X-ray expenses and surgery. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, fire damage, damage from flooding, a tree branch falling on your vehicle and theft. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Chevy Camaro.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Saving money is sweet as honey

As you quote insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability coverage limits only to find out that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at the best cost.

We just showed you many tips how you can compare 1993 Chevy Camaro insurance rates online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a small local company. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Some companies may not have online quoting smaller companies only sell through independent insurance agents. Cheaper 1993 Chevy Camaro insurance can be sourced online and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money.

Additional insurance coverage information is available at these links:

• Distracted Driving (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Anti-Lock Brake FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)