1999 Chevrolet Camaro Insurance Rates – 5 Savings Tips

Finding cheaper insurance for a new or used Chevy Camaro can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to compare auto insurance rates and we’ll show you the quickest way to quote coverages for a Chevy and locate the best price possible from both online companies and local agents.

Locating the best coverage is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you will benefit by learning to find the best rates while maintaining coverages. Vehicle owners just need to learn the proper methods to find the lowest price over the internet.

More affordable rates with these five discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts that can drop the cost substantially. Some of these disounts will be visible at the time of purchase, but once in a while a discount must be manually applied prior to receiving the credit.

• Professional Memberships – Belonging to a qualifying organization is a good way to get lower rates on your policy.
• Low Mileage Discounts – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents so you can save 10 percent or more.
• Discount for New Cars – Putting coverage on a new car can save you some money since newer vehicles have better safety ratings.
• Federal Employees – Federal government employees may qualify for a discount when you quote insurance coverage for Camaro insurance with select insurance companies.

Consumers should know that most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Popular insurance coverage companies and a summarized list of policyholder discounts are outlined below.

• State Farm has savings for good student, safe vehicle, defensive driving training, student away at school, and anti-theft.
• Liberty Mutual offers discounts for preferred payment discount, newly retired, safety features, multi-policy, and teen driver discount.
• American Family discounts include good student, TimeAway discount, bundled insurance, multi-vehicle, accident-free, and early bird.
• Progressive has discounts for good student, online signing, continuous coverage, multi-policy, and online quote discount.
• Farmers Insurance may offer discounts for homeowner, bundle discounts, electronic funds transfer, mature driver, and teen driver.
• Auto-Owners Insurance includes discounts for safe vehicle, student away at school, mature driver, multiple vehicles, anti-theft, safe driver, and good student.
• SAFECO may include discounts for multi-car, teen safe driver, homeowner, anti-lock brakes, accident prevention training, drive less, and anti-theft.

If you are trying to find cheaper insurance coverage quotes, ask every prospective company the best way to save money. Depending on the company, some discounts might not apply in every state. If you would like to choose from a list of insurance companies who offer free insurance coverage quotes, click this link.

Low cost insurance prices

Performing a rate comparison can be challenging if you don’t utilize the fastest way to get free quotes. You can waste hours discussing policy coverages with insurance companies in your area, or you can utilize the internet to accomplish the same thing much quicker.

Many of the larger companies participate in a marketplace that allows shoppers to send in one quote, and every company then gives them pricing based on that data. This saves time by eliminating quote requests to every company.

To enter your information into the quoting system, click to open in new window.

The only drawback to comparing rates this way is you can’t choose which companies you want to price. If you prefer to choose from a list of companies to compare prices, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits on every quote. If your comparisons have different liability limits it will be very difficult to make a fair comparison for your Chevy Camaro.

Insurance can be complex

When buying adequate coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions can help discover if you would benefit from professional advice.

• Why am I required to buy liability insurance?
• Am I covered if I crash into my own garage door?
• Should I have combined single limit or split liability limits?
• Do I pay less if my vehicle is kept in my garage?
• Is upholstery damage covered by car insurance?
• Does medical payments coverage apply to all occupants?
• Is my camper covered by my car insurance policy?
• At what point should I drop full coverage?
• Am I covered when driving on a suspended license?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Information about specific coverages

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, rock chips in glass, hitting a bird and hitting a deer. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses such as chiropractic care, funeral costs, surgery, X-ray expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

This coverage will pay to fix damage to your Camaro caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 1999 Chevy Camaro.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability car insurance

Liability insurance can cover damage that occurs to people or other property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things like medical services, structural damage and attorney fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Buy Smart and Save

As you quote insurance coverage, do not buy lower coverage limits just to save a few bucks. Too many times, an insured dropped physical damage coverage and learned later they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.

Cost effective 1999 Chevy Camaro insurance can be found from both online companies as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not offer rates over the internet and these regional insurance providers provide coverage only through independent agents.

In this article, we covered many ideas to reduce 1999 Chevy Camaro insurance car insurance rates online. The key thing to remember is the more providers you compare, the better your comparison will be. You may even find the lowest car insurance rates are with a small mutual company.

To read more, take a look at the articles below:

• How to Avoid Common Accidents (State Farm)
• Older Drivers FAQ (iihs.org)
• Airbag FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)