Cheaper 2002 Chevrolet Camaro Car Insurance Quotes

Searching for lower auto insurance rates? Consumers have a choice when looking for affordable Chevy Camaro insurance. You can either waste hours calling around to get rate comparisons or use the internet to find the lowest rates. There is a right way and a wrong way to buy auto insurance so you’re going to learn the proper way to compare rates for your Chevy and find the cheapest rates.

You should make it a habit to take a look at other company’s rates at least once a year because auto insurance prices tend to go up over time. Just because you found the best rates on Camaro insurance a few years ago you can probably find a better premium rate now. You can find a lot of misleading information regarding auto insurance out there, but in a few minutes you can learn the best ways to lower your auto insurance rates.

If you have insurance now or need new coverage, you can use these tips to cut your premiums and still get good coverage. The purpose of this post is to familiarize you with the most effective way to quote insurance and some tips to save money. Drivers only need an understanding of the best way to buy auto insurance online.

Pay discount rates these discounts

Insuring your vehicles can cost a lot, but you may find discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but some must be manually applied in order for you to get them.

• Multi-policy Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of up to 20% and get you low cost insurance coverage.
• Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Waiver for an Accident – Not necessarily a discount, but some insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• Early Renewal Discounts – A few larger companies give discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
• Low Mileage – Driving less may allow you to get lower car insurancerates on the low mileage vehicles.
• ABS Braking Discount – Cars equipped with ABS or steering control prevent accidents and will save you 10% or more.
• Distant College Student Discount – Kids who are attending college and do not take a car to college may be able to be covered for less.

As a sidenote, some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. Despite the appearance that adding up those discounts means a free policy, car insurance companies aren’t that generous. But all discounts will positively reduce your policy cost.

A few companies that may offer quotes with some of the above discounts possibly include:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. Discounts may not be available everywhere.

Special considerations

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether your personal situation could use an agent’s help.

• What is an SR-22 filing?
• Are rental cars covered under my policy?
• Am I covered if I break a side mirror?
• Do I need replacement cost coverage?
• Do I need more liability coverage?
• Do all my vehicles need collision coverage?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Save $488 a year. For real?

Consumers can’t ignore all the ads for the lowest price insurance coverage from companies such as Progressive, Geico, Allstate and State Farm. They all convey the message that people will save if you change your policy.

But how can every company save you money? This is how they do it.

Companies quote their best rates for the type of customer that will not have excessive claims. For instance, a desirable insured could be over the age of 45, is a homeowner, and has great credit. Someone who matches that profile will get the preferred premium rates and therefore will save a lot if they switch.

Potential insureds who are not a match for those criteria will probably be forced to pay higher premium rates and this results in business not being written. If you pay attention, the ads say “people that switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can make those claims. Because of this risk profiling, you really should get insurance coverage quotes from several different companies. It’s not possible to predict which insurance companies will have better rates than you’re paying now.

Coverage specifics

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Camaro.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover 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. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, court costs and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like X-ray expenses, pain medications and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from 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 can pay for claims such as damage from a tornado or hurricane, damage from getting keyed, damage from flooding and vandalism. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Save for a rainy day

People who switch companies do it for many reasons like lack of trust in their agent, being labeled a high risk driver, high prices and even not issuing a premium refund. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

We just covered a lot of ways to compare 2002 Chevy Camaro insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest rates come from an unexpected company.

When getting insurance coverage quotes online, it’s a bad idea to buy poor coverage just to save money. In too many instances, someone dropped physical damage coverage only to discover later that it was a big mistake. Your focus should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

Additional car insurance information is located at these links:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Top Signs Your Brakes are Giving Out (State Farm)
• Information for Teen Drivers (Geico)