Save on 2013 Chevrolet Camaro Insurance Rates

Looking for cheaper insurance rates for your Chevrolet Camaro? No sane person loves paying for insurance, especially when they know the cost is way too high.

Drivers have many insurance companies to pick from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates and cut insurance costs.

Locating the best protection is not that difficult. Basically, everyone who shops for car insurance most likely will be able to cut their insurance bill. Although drivers do need to know how big insurance companies sell online and apply this information to your search.

Use discounts on auto insurance

Auto insurance is expensive, but you might be missing out on some discounts to cut the cost considerably. Many of these discounts will be applied automatically when you purchase, but once in a while a discount must be asked about before you will receive the discount. If you do not check that you are getting every discount you qualify for, you could be saving more on your auto insurance.

  • Passive Restraints and Air Bags – Factory options such as air bags can receive discounts of up to 25% or more.
  • Save with More Vehicles Insured – Insuring multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Good Driver Discounts – Insureds without accidents may receive a discount up to 45% on Camaro insurance than less cautious drivers.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.
  • Policy Bundle Discount – When you have multiple policies with one insurance company you may save over 10 percent off each policy depending on the company.
  • College Student Discount – Children who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
  • Renewal Discounts – Select auto insurance companies give a discount for signing up before your current expiration date. You may see this discount when you get insurance quotes online.
  • Defensive Driver – Completing a course in driver safety is a good idea and can lower rates and make you a better driver.

Discounts save money, but please remember that most discounts do not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. Even though the math looks like all the discounts add up to a free policy, that’s just not realistic.

Car insurance companies that may include some of the above discounts include:

It’s a good idea to ask every company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in your area. To locate insurance companies with discount auto insurance rates, click here to view.

The method we recommend to compare car insurance rates utilizes the fact most larger insurance companies will pay a fee to compare rate quotes. The one thing you need to do is give them rating details such as whether you are married, how old drivers are, your occupation, and whether you drive to work or school. The rating information is instantly submitted to many highly-rated insurers and they return cost estimate quickly.

To compare rates now, click here and find out if lower rates are available.

Insurance costs are influenced by these factors

Lots of factors are considered when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but others are less obvious such as whether you are married or your financial responsibility.One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that play a part in calculating insurance rates. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that may result in lower premium levels.

  • Insurance rates in urban areas – Having an address in smaller towns and rural areas of the country can be a good thing if you are looking for the lowest rates. Residents of big cities regularly have more traffic problems and higher rates of accident claims. Fewer drivers translates into fewer accident claims and also fewer theft and vandalism claims.
  • Liability coverage – A critical coverage on your policy, liability insurance is the protection when a jury decides you are liable for causing damage or personal injury in an accident. This coverage provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so drivers should carry high limits.
  • Marriage is a bonus – Having a significant other may cut your premiums when shopping for insurance. It generally demonstrates drivers are more responsible and statistics show married drivers tend to have fewer serious accidents.
  • Get a ticket, pay higher rates – Your driving citation history has a huge affect on how much you pay. Having just one citation can increase the cost of insurance twenty percent or more. Drivers with clean records get better rates as compared to those with violations. People who have multiple citations like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Minor frequent policy claims are not good – Car insurance companies award the best rates to insureds that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Insurance coverage is intended for larger claims.
  • Responsible credit equals lower premiums – Credit history can be a huge factor in determining your rates. Drivers with good credit tend to be more responsible and file fewer claims than drivers with lower ratings. If your credit score can be improved, you may save money insuring your 2013 Chevrolet Camaro by repairing your credit.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • What is PIP insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I drive in a foreign country?
  • Does insurance cover tools stolen from my truck?
  • Is my state a no-fault state?
  • When should I buy a commercial auto policy?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance advertisements

Popular auto insurance providers such as Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. All the companies have a common claim about how much you will save after switching your auto insurance coverage to their company. How do they all cost less than your current company? This is the trick they use.

Companies have strict underwriting profiles for the right customer that will generate a profit. For example, this type of risk profile should be over age 30, insures multiple vehicles, and drives newer vehicles. Someone who fits those characteristics will get very good rates and most likely will save when they switch companies.

People who cannot meet those standards will be quoted higher rates which usually ends up with the prospect going elsewhere. The ad wording is “drivers that switch” not “everybody who quotes” save that much when switching. That’s the way companies can truthfully advertise the way they do.

This emphasizes why it’s extremely important to do a price quote comparison at every renewal. It is impossible to guess which insurance companies will have the best car insurance rates.

Detailed coverages of your car insurance policy

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average car insurance policy.

Uninsured and underinsured coverage – This coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2013 Chevy Camaro.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses like rehabilitation expenses, prosthetic devices, pain medications and chiropractic care. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability insurance – This coverage will cover damages or injuries you inflict on a person or their property. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like attorney fees, emergency aid, medical services and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, fire damage and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision coverage pays for damage to your Camaro caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, scraping a guard rail, crashing into a building, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Don’t be a big spender

We’ve covered many ideas to get a better price on 2013 Chevy Camaro insurance. The key concept to understand is the more providers you compare, the better likelihood of getting low cost insurance. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

When shopping online for auto insurance, do not skimp on coverage in order to save money. In many instances, an insured dropped liability coverage limits and discovered at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

To learn more, take a look at the resources below: