2014 Chevrolet Camaro Insurance Quotes – 9 Tips for Best Rates

Looking for cheaper car insurance rates? Shoppers have lots of choices when shopping for affordable Chevy Camaro insurance. They can either spend hours struggling with agents to get rate comparisons or save time using the internet to find the lowest rates. There are both good and bad ways to buy car insurance and we’ll show you the best way to quote coverages for your Chevy and locate the lowest price either online or from local insurance agents.

Smart consumers take time to do rate comparisons at least once a year since insurance prices change regularly. Just because you found the lowest rates on Camaro insurance at your last renewal you can probably find a better rate quote now. Block out anything you think you know about car insurance because we’re going to demonstrate the proper way to lower your rates without sacrificing coverage.

If you are insured now or need new coverage, you can use these techniques to cut your premiums while maximizing coverage. This information will help you learn how to effectively get price quotes and some tips to save money. Drivers only need an understanding of the proper methods to compare prices online.

How to get low cost auto insurance

There are several ways to compare auto insurance prices and some are more efficient than others. You can waste a lot of time talking to insurance companies in your area, or you could use the web to get pricing more quickly.

Most of the best insurance companies enroll in a system that enables customers to enter their coverage request one time, and each participating company can provide price quotes based on the submitted data. This saves time by eliminating repetitive form submissions to every company.

To find out how much you’re overpaying now click here to open in new window.

The single downside to doing it this way is you can’t choose the companies to receive prices from. If you would rather choose specific providers to compare, we have a page of companies who write auto insurance in your area. View list of insurance companies.

Which method you use is up to you, but make sure you compare the exact same coverage information for every quote you compare. If you compare different data it will be impossible to determine which company has the best rates.

Nine discounts to earn cheaper insurance coverage rates

Insurance coverage can be pricey, but there could be significant discounts to cut the cost considerably. Many of these discounts will be applied automatically when you quote, but a few must be inquired about prior to receiving the credit.

• Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.
• Good Grades Discount – Performing well in school can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
• Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save 5% or more.
• Military Rewards – Being deployed in the military may lower your prices slightly.
• Buy New and Save – Buying a new car instead of a used car can be considerably cheaper because newer models have to meet stringent safety requirements.
• Theft Deterent Discount – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Organization Discounts – Being a member of qualifying clubs or civic groups could trigger savings on your next insurance coverage statement.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
• One Accident Forgiven – This one isn’t a discount, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, companies don’t profit that way. But all discounts should help reduce your policy premiums.

A few popular companies and some of their more popular discounts can be found below.

• Farm Bureau offers discounts including multi-vehicle, youthful driver, driver training, multi-policy, good student, and renewal discount.
• MetLife may include discounts for accident-free, multi-policy, good student, defensive driver, good driver, claim-free
• Progressive includes discounts for multi-policy, good student, online quote discount, homeowner, and online signing.
• AAA may have discounts that include anti-theft, pay-in-full, education and occupation, multi-policy, AAA membership discount, good driver, and good student.
• American Family has discounts for bundled insurance, defensive driver, good driver, good student, early bird, and air bags.
• Geico has savings for seat belt use, federal employee, multi-vehicle, anti-theft, multi-policy, driver training, and daytime running lights.
• State Farm offers premium reductions for accident-free, good student, Drive Safe & Save, multiple autos, and anti-theft.

If you need low cost car insurance quotes, ask every insurance company to apply every possible discount. Some of the discounts discussed earlier may not apply in your area. For a list of insurers that offer multiple discounts, click here to view.

Tailor your car insurance coverage to you

When choosing coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different.

For example, these questions may help highlight if you would benefit from an agent’s advice.

• How does medical payments coverage work?
• What is roadside assistance coverage?
• When should I remove comp and collision on my 2014 Chevy Camaro?
• What is the rate difference between pleasure use and commuting?
• What is medical payments coverage?
• Is upholstery damage covered by car insurance?
• How many claims can I have before being cancelled?
• How do I buy GAP insurance?
• Can I rate high risk drivers on liability-only vehicles?
• Is my babysitter covered when using my vehicle?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Car insurance coverage specifics

Having a good grasp of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses such as doctor visits, chiropractic care and dental work. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

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

Collision coverage protects against claims such as sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Coverage for liability

Liability coverage can cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles, loss of income and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a deer and fire damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

In any little way, save everyday

Some insurance companies may not provide online price quotes and most of the time these regional carriers only sell coverage through independent insurance agencies. Cheap 2014 Chevy Camaro insurance is possible online in addition to many insurance agents, so compare prices from both so you have a total pricing picture.

When buying insurance coverage, never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced physical damage coverage to discover at claim time that it was a big mistake. The goal is to get the best coverage possible at a price you can afford while still protecting your assets.

We covered a lot of information how to compare 2014 Chevy Camaro insurance prices online. The key thing to remember is the more you quote car insurance, the better likelihood of getting affordable car insurance. You may even find the biggest savings come from a smaller regional carrier.

To learn more, take a look at the resources below:

• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Auto Theft Statistics (Insurance Information Insitute)