How Much Does 2013 Chevrolet Camaro Car Insurance Cost?

Nobody that owns a car enjoys paying for car insurance, in particular when they could find better prices if they shop around. Due to the fact that there are so many online and local companies to choose from, it can be impossible to choose the most cost effective car insurance company.

Quote insurance online

Finding more affordable 2013 Chevy Camaro insurance rates is not rocket science. You just have to take time to get quotes provided by online insurance companies. You can get a good selection of rate quotes by using one of the methods below.

The single most time-saving way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing separate quote forms for each company you want a rate for. One form will return quotes from many national carriers.

A less efficient way to find better pricing is to manually visit each individual company website and request a quote. For examples sake, we’ll pretend you want to compare rates from Geico, Liberty Mutual and State Farm. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which explains why we recommend starting with the first method.

To view a list of companies in your area, click here.

Which method you use is up to you, but try to keep equivalent coverage limits for every company. If you have different data it will be impossible to find the best deal for your Chevy Camaro.

Lower the price of car insurance with these tips

Many different elements are used when pricing auto insurance. Some factors are common sense such as traffic violations, although others are less apparent like your vehicle usage or your financial responsibility.The best way to find cheaper car insurance is to take a look at some of the things that play a part in calculating your policy premiums. If you understand what determines base rates, this enables informed choices that can help you get lower premium levels.

The itemized list below are some of the things companies use to determine prices.

• Liability protection safeguards assets – Liability insurance is the protection if ever a court rules you are at fault for an accident. It will provide legal defense coverage starting from day one. Liability is cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Your spouse saves you money – Having a spouse can get you a discount compared to being single. Marriage may mean you are more mature and it’s proven that being married results in fewer claims.
• Consolidate and save – Most larger companies will give lower prices to policyholders that buy multiple policies such as combining an auto and homeowners policy. Discounts can be ten or even fifteen percent. Even though this discount sounds good, it’s still a good idea to get quotes from other companies to ensure the best deal. It’s possible to still find lower rates by buying car insurance from a different company.
• Don’t cancel your policy without a new one in place – Having a lapse in insurance coverage is a quick way to increase your rates. Not only will you pay more, failure to provide proof of insurance might get you a steep fine or even jail time. You may then have to submit proof of financial responsibility or a SR-22 with your state DMV.
• Poor driving habits means higher prices – How you drive has a huge affect on how much you pay. Drivers with clean records get better rates as compared to careless drivers. Even one citation can increase the cost of insurance by as much as twenty percent. Drivers who have received flagrant citations such as DUI or reckless driving may need to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
• Your location is important – Having an address in less populated areas is a positive aspect when buying car insurance. People in densly populated areas have to deal with traffic congestion and higher rates of accident claims. Fewer drivers corresponds to lower accident rates and lower theft and vandalism rates.
• If you don’t need it don’t buy it – There are quite a few add-on coverages that may not really be needed if you aren’t careful. Insurance for things like personal injury protection, high-cost glass coverage, and extra life insurance coverage are some examples. The coverages may be enticing when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
• Safer the car lower the rate – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety reduce occupant injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Chevy Camaro has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.

Discounts for cheaper insurance quotes

The price of auto insurance can be rather high, but you might already qualify for some discounts that many consumers don’t even know exist. Some discounts apply automatically when you complete an application, but a few must be specifically requested prior to getting the savings. If you do not double check each discount possible, you’re paying more than you need to.

• ABS Braking Discount – Cars and trucks with ABS and/or traction control are much safer to drive so you can save 10 percent or more.
• Discounts for New Vehicles – Adding a new car to your policy can be considerably cheaper since new model year vehicles have better safety ratings.
• Defensive Driving Course – Completing a safe driver course can save you 5% or more depending on where you live.
• Discounts for Multiple Vehicles – Having multiple vehicles with the same company could earn a price break for each car.
• E-sign Discounts</strong – Some insurance companies give back up to $50 get auto insurance on your computer.