2018 Chevrolet Camaro Insurance Quotes – 5 Ways to Save

Looking for better auto insurance rates? Shoppers have options when shopping for the lowest priced Chevy Camaro insurance. They can either waste time struggling with agents to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to find auto insurance online and we’ll show you the best way to get price quotes on a Chevy and get the best price possible.

The quickest way to compare car insurance company rates is to realize most of the bigger providers pay for the opportunity to give rate comparisons. The only thing you need to do is provide a little information including if it has an anti-theft system, deductibles desired, whether you drive to work or school, and distance driven. Your rating data is submitted instantly to insurance carriers in your area and they return quotes instantly to find the best rate.

But the ad said I’d save 15% in 15 minutes!

Consumers constantly see and hear ads for cheaper car insurance from companies such as Allstate, Geico and Progressive. All the ads make the same claim of big savings if you move your policy.

How is it possible that every company can claim to save you money? This is how they do it.

Insurance companies quote their best rates for the right customer that makes them money. For example, a profitable insured may be over age 30, carries full coverage, and the vehicle is rated for pleasure use. Anybody who meets those qualifications receives the best auto insurance rates and therefore will save when switching.

Potential customers who are not a match for these stringent criteria may be forced to pay a higher premium which translates to the customer buying from a different company. The wording the ads use say “customers who switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can make it sound like they have such great auto insurance rates. That is why you really need to get insurance quotes as often as possible. It is just not possible to predict with any certainty which company will provide you with the cheapest rates.

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Five discounts for affordable insurance rates

Car insurance companies don’t always publicize all possible discounts very well, so the following is a list of a few of the more common as well as the least known discounts that you may qualify for.

• Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less since newer vehicles have better safety ratings.
• Low Mileage Discounts – Low annual miles could qualify for better rates on cars that stay parked.
• Discounts for Safe Drivers – Safe drivers can save up to 40% or more on their insurance quote for Camaro insurance as compared to drivers with claims.
• Student Driver Training – Teen drivers should complete a driver education course in school.
• Government Employee Discount – Simply working for the federal government could provide a small rate reduction for Camaro insurance depending on your insurance provider.

Just know that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you could get a free insurance policy, company stockholders wouldn’t be very happy. But any discount will definitely lower the cost of coverage.

To locate companies that offer multiple discounts, click here to view.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining whether your personal situation could use an agent’s help.

• Is my business laptop covered if it gets stolen from my vehicle?
• When do I need to add a new car to my policy?
• Am I covered if I hit a deer?
• Do I need to file an SR-22 for a DUI in my state?
• When should my teen driver be added to my policy?
• Am I insured when driving a different vehicle?
• Am I better off with higher deductibles on my 2018 Chevy Camaro?
• Am I covered when delivering products for my home-based business?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Detailed coverages of your car insurance policy

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision coverage – This coverage pays for damage to your Camaro caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, crashing into a building, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability insurance – Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

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 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims such as structural damage, attorney fees, funeral expenses, court costs and pain and suffering. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as EMT expenses, nursing services and funeral costs. The coverages can be used to cover expenses not covered by 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 and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy Camaro.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive (Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, theft and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

More quotes. Lower rates.

Lower-priced 2018 Chevy Camaro insurance is possible on the web as well as from independent agents, so you need to shop insurance with both to get a complete price analysis. A few companies may not have rate quotes online and many times these small insurance companies only sell coverage through independent agents.

As you prepare to switch companies, never skimp on coverage in order to save money. There are many occasions where an insured cut full coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to get the best coverage possible for the lowest cost while still protecting your assets.

We just presented many tips how you can lower your 2018 Chevy Camaro insurance rates. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers may even find the biggest savings come from a small local company.

To read more, feel free to browse the following helpful articles:

• Insurance Losses by Make and Model (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

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