2002 Chevrolet Camaro Car Insurance Quotes

Want better insurance rates for your Chevrolet Camaro? Trying to find better insurance prices for a Chevy Camaro can be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are both good and bad ways to shop for insurance and you need to know the best way to get price quotes for your Chevy and get the best price possible either online or from local insurance agents.

You should take the time to price shop coverage periodically because insurance rates are constantly changing. Even if you got the lowest rate on Camaro insurance on your last policy other companies may now be cheaper. Ignore everything you know about insurance because you’re about to learn how to use the internet to reduce your cost while improving coverage.

Choosing the best insurance company for you is not rocket science. If you have a current insurance coverage policy or need new coverage, you can use this information to shop for the lowest rates and still get good coverage. Drivers only need an understanding of the tricks to shop their coverage around online.

How to get car insurance rate quotes

Most larger insurance companies give prices for coverage directly from their websites. Comparing prices online doesn’t take a lot of time as you simply enter the amount of coverage you want into the form. After the form is submitted, their rating system automatically orders information on your driving record and credit history and generates a price based on the information you submitted.

Being able to quote online streamlines rate comparisons, but the time required to go to multiple sites and type in your information is repetitive and time-consuming. But it’s also necessary to compare as many rates as possible in order to get lower prices.

Rate comparisons made easy

The easiest way to find cheaper rates uses one form that obtains quotes from several companies at one time. It’s a real time-saver, reduces the work, and makes rate comparisons a lot less work. As soon as you send your information, it is quoted with multiple companies and you can pick any one of the pricing results. If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process can be completed in less than 10 minutes and can result in significant savings.

In order to compare pricing, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate the coverages identical to your current policy. This guarantees you will have comparison quotes for similar coverage.

Discount auto insurance quotes

Properly insuring your vehicles can get expensive, but there are discounts available that can drop the cost substantially. Certain credits will be shown at the time of quoting, but less common discounts must be requested specifically before you get the savings. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

• Discount for Good Grades – Getting good grades can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
• Driver Education Discount – Teen drivers should participate in a local driver’s education class in school.
• Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
• Passive Restraints – Vehicles equipped with air bags may qualify for discounts as much as 30%.
• Multi-Vehicle Discounts – Having multiple vehicles on the same auto insurance policy could earn a price break for each car.
• Professional Memberships – Affiliation with a qualifying organization could qualify you for a break on your next auto insurance statement.
• Resident Student – Youth drivers living away from home attending college and don’t have a car can receive lower rates.
• Telematics Devices – People who choose to allow their company to scrutinize driving habits by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they exhibit good driving behavior.

As a sidenote, many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. So when it seems like you could get a free auto insurance policy, nobody gets a free ride.

If you would like to view insurance companies who offer free auto insurance quotes, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions might point out if you would benefit from an agent’s advice.

• Am I insured when driving a different vehicle?
• How much liability insurance is required?
• Do I need more liability coverage?
• Do all my vehicles need collision coverage?
• How high should my medical payments coverage be?
• Is a new car covered when I drive it off the dealer lot?
• Is my teen driver covered when they drive my company car?

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

Insurance policy specifics

Understanding the coverages of insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability coverages – Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like loss of income, medical expenses, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, hitting a deer, damage from flooding and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – Collision coverage covers damage to your Camaro from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, hitting a mailbox, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 2002 Chevy Camaro.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like ambulance fees, rehabilitation expenses, dental work, hospital visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage