2017 Chevrolet Camaro Insurance Cost – 9 Tricks for Cheaper Prices

Paying for overpriced Chevrolet Camaro insurance can dwindle your budget and require stricter spending habits. Doing a rate analysis is recommended to cut your insurance bill.

Numerous car insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurance companies to find the best price available.

It’s a good habit to take a look at other company’s rates once or twice a year due to the fact that insurance prices change frequently. Just because you had the best rate on Camaro insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because we’re going to show you one of the easiest ways to find lower rates on insurance coverage.

How to find the cheapest car insurance

The are a couple different ways of comparing rates from car insurance companies in your area. The best method to compare 2017 Chevy Camaro insurance prices is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

• The most efficient way to get quotes is to use a rate comparison form click to view form in new window. This form saves time by eliminating separate quotes for each company. Completing one form gets coverage cost estimates from multiple companies.
• A different way to analyze rates requires a visit to each individual company website and fill out their own quote form. For sake of this example, let’s assume you want rates from Auto-Owners, Allstate and State Farm. You would be required to visit each site and type in your information over and over, which is why the first method is more popular. For a list of companies in your area, click here.

How you compare quotes is your choice, just be certain you are entering nearly identical quote information for each comparison quote. If your comparisons have different data it’s impossible to determine the best price for your Chevy Camaro. Just a small difference in limits could skew the results. And when comparing car insurance rates, know that comparing all the rates in your area gives you a better chance of getting lower pricing. Some smaller insurers to not give price estimates online, so it’s important to compare prices from them, too.

These nine discounts can lower your insurance rates

Auto insurance companies don’t always publicize every discount in a way that’s easy to find, so here is a list a few of the more common and also the more inconspicuous discounts you could be receiving when you buy car insurance online. If you don’t get every credit you deserve, you are just wasting money.

• Early Signing – Select insurance companies give a discount for buying a new policy before your current policy expires. The savings is around 10%.
• E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks simply for signing on their website.
• Low Mileage Discounts – Keeping the miles down on your Chevy can qualify you for lower premium rates due to less chance of an accident.
• Cautious Driver Discounts – Drivers without accidents can save as much as half off their rates on Camaro insurance compared to accident prone drivers.
• Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
• Own a Home – Owning a house can get you a discount because it shows financial diligence.
• Air Bag Discount – Cars that have air bags or motorized seat belts may qualify for discounts of up to 25% or more.
• Defensive Driving Course – Participating in a course that instructs on driving safety may get you a small discount depending on where you live.

Consumers should know that most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, that’s just not realistic.

Auto insurance companies who may offer most of these discounts may include but are not limited to:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

When comparing rates, check with every company which discounts you qualify for. Depending on the company, some discounts may not be available in your state. If you would like to choose from a list of insurers that offer many of these discounts, follow this link.

Different people need different insurance coverage coverages

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

• Do I need special endorsements for business use of my vehicle?
• Does my policy cover my teen driver if they drive my company car?
• Is my dog or cat covered if injured in an accident?
• When would I need additional glass coverage?
• Should I buy only the required minimum liability coverage?
• Will I lose any money if I cancel my policy before it expires?
• When should I buy a commercial auto policy?
• Am I covered when delivering products for my home-based business?
• Am I better off with higher deductibles on my 2017 Chevy Camaro?
• Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance policy specifics

Learning about specific coverages of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, hail damage and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, backing into a parked car, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for things like hospital visits, EMT expenses and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your 2017 Chevy Camaro.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage can cover damage that occurs to other’s property or people by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like structural damage, loss of income, attorney fees, bail bonds and emergency aid. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

The bottom line

Cheaper 2017 Chevy Camaro insurance can be sourced from both online companies and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer rate quotes online and these smaller companies prefer to sell through local independent agencies.

When you buy car insurance online, it’s not a good idea to buy poor coverage just to save money. In too many instances, someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

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