1997 Chevrolet Camaro Car Insurance Rates – 7 Tips for Cheapest Quotes

Locating better insurance prices for a Chevy Camaro can be an all-consuming task, but you can follow our insurance buying tips and make it easy. There is a right way and a wrong way to compare insurance rates so you’re going to learn the absolute fastest way to get price quotes for your Chevy and get the lowest price.

It’s smart to quote other rates occasionally since insurance prices are constantly changing. If you had the best rates for Camaro insurance a few years ago a different company probably has better rate quotes today. Forget all the misinformation about insurance because you’re about to learn the things you must know in order to save on insurance.

Buying car insurance is not that difficult. If you have a policy now or need new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Drivers just need to understand the most efficient way to buy insurance online.

Seven discounts for affordable insurance quotes

Some companies don’t always advertise all their discounts in an easy-to-find place, so the next list breaks down a few of the more well known as well as some of the hidden credits available to you.

• Organization Discounts – Being in a civic or occupational organization is a good way to get lower rates on insurance.
• No Accidents – Insureds who avoid accidents and claims pay much less when compared with accident-prone drivers.
• Low Mileage Discounts – Maintaining low annual mileage could qualify for lower prices on the low mileage vehicles.
• Accident Waiver – Not a discount per se, but companies like Geico, Progressive, and Allstate will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
• Discounts for Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Switch and Save Discount – A few companies allow discounts for renewing your policy prior to your current policy expiring. It’s a savings of about 10%.
• Telematics Data – Policyholders that allow driving data collection to analyze when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they are good drivers.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

A few companies who might offer some of the above discounts include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

Before you buy a policy, ask all companies you are considering to give you their best rates. Savings may not apply in your area. To see a list of companies that offer some of these discounts, click this link.

You may need specialized auto insurance coverage

When choosing adequate coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if you would benefit from professional advice.

• Does my 1997 Chevy Camaro qualify for pleasure use?
• Am I covered when delivering products for my home-based business?
• What vehicles should carry emergency assistance coverage?
• Am I covered if I break a side mirror?
• Should I have combined single limit or split liability limits?
• Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

What insurance coverages do you need?

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, a broken windshield, rock chips in glass and hitting a deer. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Chevy Camaro.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Med pay and PIP coverage pay for bills for ambulance fees, EMT expenses, prosthetic devices and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverage

Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like medical services, legal defense fees and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage

This covers damage to your Camaro resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, crashing into a ditch, driving through your garage door, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Keep this in mind

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where an insured cut liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

We just showed you a lot of techniques to save on 1997 Chevy Camaro insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding the cheapest insurance. Consumers may even find the lowest premium rates come from the least-expected company.

Drivers leave their current company for a variety of reasons including extreme rates for teen drivers, high prices, poor customer service and policy non-renewal. No matter why you want to switch, choosing a new insurance company can be easier than you think.

For more information, feel free to browse these articles:

• Your Car has been Stolen: Now What? (Allstate)
• Tools for Teen Driving Safety (State Farm)
• Winter Driving (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)