Cheap 1998 Chevrolet Camaro Insurance Cost

Nobody likes paying for insurance, particularly when they could find better rates elsewhere.

Because you have many insurance companies to choose from, it’s difficult to locate the best insurance company.

How to get car insurance quotes

Effectively comparing car insurance prices can take time and effort if you don’t utilize the fastest way to get free quotes. You could spend your day talking to insurance agencies in your area, or you could save time and use online quoting to quickly compare rates.

Many popular insurance companies participate in an industry program that allows shoppers to enter their coverage request one time, and each participating company returns a rated price based on that data. This system prevents you from having to do quote forms for every car insurance company. To compare pricing click to open in new window.

The only drawback to comparing rates this way is you are unable to specify the companies you want to price. So if you want to select individual companies to receive pricing from, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing identical quote information on every quote. If your comparisons have different deductibles then you won’t be able to determine which rate is truly the best. Quoting even small variations in insurance coverages or limits may cause a big price difference. And when price shopping your coverage, comparing more rates from different companies provides better odds of finding the best rates.

Discounts for affordable insurance rates

Car insurance can cost a lot, but you may be missing some discounts that could drop your premiums quite a bit. A few discounts will be applied when you get a quote, but some need to be requested specifically prior to receiving the credit.

• Home Ownership Discount – Just being a homeowner can earn you a little savings because it means you have a higher level of financial diligence.
• Student Driver Training – Have your child complete a driver education course in high school.
• Membership in Organizations – Participating in qualifying clubs or civic groups could earn you a nice discount on your next insurance statement.
• Mature Driver Discount – Drivers over the age of 55 may qualify for a small decrease in premiums for Camaro insurance.
• Safety Restraint Discount – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Discount for Good Grades – This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
• Student in College – Kids who live away from home to go to college and leave their car at home could get you a discount.

One thing to note about discounts is that some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way.

A list of insurance companies and a selection of discounts include:

• Progressive may include discounts for multi-policy, online quote discount, online signing, continuous coverage, and homeowner.
• Farmers Insurance has discounts for business and professional, bundle discounts, switch companies, alternative fuel, and distant student.
• Farm Bureau offers discounts for driver training, renewal discount, multi-vehicle, multi-policy, and safe driver.
• State Farm may offer discounts for accident-free, multiple policy, Steer Clear safe driver discount, student away at school, good student, safe vehicle, and driver’s education.
• Geico has savings for driver training, seat belt use, multi-policy, membership and employees, military active duty, and multi-vehicle.
• SAFECO discounts include anti-lock brakes, accident prevention training, safe driver, homeowner, anti-theft, multi-car, and bundle discounts.
• Liberty Mutual policyholders can earn discounts including multi-car, safety features, teen driver discount, multi-policy, and preferred payment discount.

Before you buy a policy, ask each insurance company which discounts can lower your rates. Some discounts listed above might not be offered on policies in every state. If you would like to see a list of insurers who offer cheap insurance quotes, click this link.

You may need specialized auto insurance coverage

When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight if you might need an agent’s assistance.

• How much liability insurance is required?
• Does liability extend to a camper or trailer?
• Is rental equipment covered for theft or damage?
• What is roadside assistance coverage?
• Am I covered if I crash into my own garage door?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my vehicle covered by my employer’s policy when using it for work?
• I have health insurance so do I need medical payments coverage?
• Are rock chip repairs covered?
• Should I carry comprehensive and collision coverage?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Auto insurance 101

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages available from auto insurance companies.

Comprehensive protection

This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, a tree branch falling on your vehicle and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

Liability insurance can cover damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like attorney fees, funeral expenses, medical expenses and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 1998 Chevy Camaro.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

This will pay to fix damage to your Camaro resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, driving through your garage door, crashing into a ditch, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses such as chiropractic care, dental work, funeral costs, hospital visits and surgery. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage