1991 Chevrolet Camaro Insurance Quotes – 5 Tips for Cheapest Rates

Looking for cheaper insurance rates for your Chevrolet Camaro? I can’t think of a single person who is fond of buying insurance, especially knowing they are paying too much.

You have multiple auto insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, more choices can make it harder to locate the cheapest rates.

Smart consumers take time to get comparison quotes once or twice a year because prices go up and down regularly. Even if you got the lowest quotes for Camaro insurance on your last policy you will most likely find a better rate today. There are a lot of ways to save on insurance on the web, but in just a couple of minutes you can learn some excellent ideas to quit paying high insurance rates.

Finding affordable coverage is not rocket science. Essentially every driver who buys insurance coverage should be able to find better rates. Although consumers must comprehend how big insurance companies price online insurance and take advantage of how the system works.

Auto insurance companies offer lots of discounts

Car insurance companies do not advertise every policy discount in an easy-to-find place, so we break down a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.

• Telematics Discount – Drivers that enable their auto insurance company to scrutinize their driving habits remotely like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as they are good drivers.
• Discount for Low Mileage – Driving fewer miles could qualify for cheaper premium rates.
• Professional Organizations – Belonging to a civic or occupational organization could qualify you for a break when shopping for auto insurance.
• Discounts for Responsible Drivers – Insureds without accidents could pay up to 40% less for Camaro insurance than their less cautious counterparts.
• Auto/Life Discount – Select companies reward you with a discounted premium rate on car insurance if you buy life insurance.

While discounts sound great, it’s important to understand that some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it’s just not the way it works.

Insurance companies that may include most of these discounts are:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

If you need inexpensive insurance quotes, ask each insurance company which discounts you qualify for. Some discounts may not be offered everywhere. To locate auto insurance companies that offer some of these discounts, follow this link.

Buy insurance online

Many insurance companies like State Farm, Geico and Progressive make it easy to get prices online. Comparing prices online is quite simple because it’s just a matter of typing in your required coverages into the form. After you submit the form their rating system gets your driving record and credit report and generates pricing information determined by many factors. Being able to quote online makes it simple to compare prices but the process of having to visit several different sites and enter the same data into a form is a big time waster. But it is imperative to have as many quotes as possible in order to get the best price possible.

There is a better way to compare rates

A less time-consuming method to lower your insurance bill requires only one form that obtains quotes from a lot of companies. It’s a real time-saver, reduces the work, and makes price shopping online much easier. Once the form is submitted, it is quoted with multiple companies and you can pick any or none of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process takes just a few minutes to complete and can result in significant savings.

In order to find out what other companies charge, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you enter the limits and deductibles just like they are on your policy. This helps ensure you will get a price comparison based on similar coverages.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can help discover whether your personal situation might need an agent’s assistance.

• Does my insurance cover my expensive audio equipment?
• Do all my vehicles need collision coverage?
• How much underlying liability do I need for an umbrella policy?
• Can my teen driver be rated on a liability-only vehicle?
• Is my custom paint covered by insurance?
• Should I have a commercial auto policy?
• Am I insured when driving a different vehicle?
• Exactly who is provided coverage by my policy?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Specifics of your auto insurance policy

Having a good grasp of a auto insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverages offered by auto insurance companies.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, a tree branch falling on your vehicle and vandalism. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like rehabilitation expenses, ambulance fees, dental work, pain medications and hospital visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Camaro.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, backing into a parked car, rolling your car, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to a person or their property by causing 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 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like medical services, loss of income, medical expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Online plus local equals savings

Cheaper 1991 Chevy Camaro insurance is possible both online and with local insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer rate quotes online and most of the time these small insurance companies provide coverage only through local independent agents.

You just learned many ways to compare 1991 Chevy Camaro insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest premium rates come from a smaller regional carrier. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.

To read more, feel free to browse the resources below:

• Safe Vehicles for Teens (iihs.org)
• Safety Features for Your New Car (State Farm)
• State Laws for Cellphones and Texting (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• All About Airbag Safety (State Farm)