Cheaper 1996 Chevrolet Camaro Insurance Rates

Looking for better insurance rates for your Chevrolet Camaro? Scraping up a payment for pricey Chevrolet Camaro insurance can consume your funds and force you to tighten up your finances.

You have so many car insurance companies to choose from, and although it’s a good thing to have a choice, more choices can make it harder to get the best deal.

Finding the best rates is not that difficult. In a nutshell, every vehicle owner who is shopping for car insurance will be able to find better rates. But car owners benefit from understanding how big insurance companies market on the web and apply this information to your search.

Where can I get affordable insurance coverage?

All the larger insurance coverage companies such as 21st Century, Allstate and State Farm make it easy to get prices directly from their websites. Doing online quotes is possible for anyone as you simply enter your coverage information on the page. Upon sending the form, the quote system will order your driving record and credit report and returns pricing information. Quoting online simplifies rate comparisons, but the work required to visit multiple sites and enter the same data into a form is not the best way to spend an afternoon. But it’s very important to get many rate quotes if you want to get lower prices.

Rate comparisons made easy

A less time-consuming method to find cheaper rates uses just one form that gets price quotes from several companies at one time. The form is fast, eliminates form submissions, and makes online shopping much more enjoyable and efficient. After your information is entered, it is quoted and you can select any one of the price quotes you receive. If a lower price is quoted, you simply finish the application and purchase coverage. It takes just a few minutes to complete and may result in a nice savings.

To quickly get comparison pricing now, simply click here to open in new window and submit the form. If you have your current policy handy, we recommend you copy the coverage information identical to your current policy. Using the same limits helps guarantee you will get an apples-to-apples comparison using the exact same coverages.

Well known brands might not be cheapest

Respected companies like 21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. They all seem to have a common claim about savings just by moving your policy. It sounds good, but how can they all offer you a better deal?

Most companies have a certain “appetite” for the type of driver they prefer to insure. For example, this type of insured could be between the ages of 30 and 50, has had continuous coverage, and has excellent credit. A driver that fits those parameters gets the lowest auto insurance rates and therefore will save some money.

Potential insureds who are not a match for the requirements will probably have to pay higher rates with the end result being the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers who switch” not “everyone who quotes” save the amount stated. That’s the way companies can claim big savings. That is why you need to do a rate comparison at every renewal. Because you never know which car insurance company will give you lower prices than your current company.

Verify you’re earning every discount

Companies don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so the following list contains both well-publicized and also the lesser-known discounts that you can inquire about if you buy insurance online.

  • Onboard Data Collection – Drivers that enable driving data submission to look at their driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
  • Pay Early and Save – By paying your entire bill at once instead of making monthly payments you could save up to 5%.
  • Discount for Swiching Early – Select larger companies give a discount for switching to them prior to the expiration date on your current policy. This discount can save up to 10%.
  • Passenger Safety Discount – Cars that have air bags can qualify for discounts of up to 25% or more.
  • Drive Less and Save – Keeping the miles down on your Chevy can earn cheaper premium rates.
  • Sign Online – A few insurance companies will give you a small discount for buying your policy on the internet.

You should keep in mind that most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, you aren’t that lucky.

Insurance companies that may have these discounts include:

Check with each company or agent what discounts are available to you. Some of the discounts discussed earlier might not apply in your state.

When should I discuss my situation with an agent?

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

  • What if I owe more than I can insure my car for?
  • Does my 1996 Chevy Camaro qualify for pleasure use?
  • Does my insurance cover a custom paint job?
  • Why do I only qualify for high-risk insurance?
  • Is pleasure use cheaper than using my 1996 Chevy Camaro to commute?
  • Is my teenager covered with friends in the car?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Knowing the specifics of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, crashing into a building, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, fire damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses like surgery, rehabilitation expenses and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as attorney fees, structural damage, loss of income and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Do the work, save more money

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability coverage limits and discovered at claim time that it was a big error on their part. The goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Throughout this article, we presented many tips how you can get a better price on 1996 Chevy Camaro insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance comes from a smaller regional carrier. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

Additional information