Lower Your 1990 Chevrolet Camaro Insurance Rates

Locating the cheapest insurance for a Chevy Camaro can turn out to be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to compare car insurance rates so you’re going to learn the quickest way to price shop coverage for a new or used Chevy and get the lowest possible price either online or from local insurance agents.

It’s a great practice to compare prices once or twice a year since insurance rates go up and down regularly. Just because you found the best price for Camaro insurance a couple years back a different company probably has better rates today. Starting now, forget anything you know (or think you know) about car insurance because we’re going to show you how to quote online to lower your annual insurance bill.

Be sure to get all your discounts

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Most are applied when you quote, but less common discounts must be asked about prior to receiving the credit. If you don’t get every credit available, you are throwing money away.

  • Defensive Driving Course – Completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance coverage policy could earn a price break for each car.
  • Seat Belts Save – Requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current policy expires. The savings is around 10%.

Consumers should know that most discount credits are not given the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will help reduce your overall premium however.

Insurance companies who might offer these benefits are:

Check with all companies you are considering how you can save money. Discounts might not apply in your state.

How to Compare Auto Insurance Costs

All major auto insurance companies such as Progressive, Allstate and Geico allow you to get insurance quotes online. Getting online rates is fairly straightforward as you just enter your required coverages into a form. When the form is submitted, the system automatically orders information on your driving record and credit history and provides a quote based on many factors.

Online price quotes makes it a lot easier to compare rates but the time it takes to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to perform this step in order to find the best price on auto insurance.

There is an easier way!

The smarter way to lower your auto insurance bill utilizes a single form that gets prices from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, it gets priced and you can choose any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.

In order to use this form to compare rates, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you complete the form with your coverages identical to your current policy. Using the same limits helps guarantee you will be getting an apples-to-apples comparison based on the exact same insurance coverage.

How do I know if I need professional advice?

When choosing the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

  • What is covered by UM/UIM coverage?
  • I have a DUI can I still get coverage?
  • What is medical payments coverage?
  • When should I remove comp and collision on my 1990 Chevy Camaro?
  • How do I buy GAP insurance?
  • Am I missing any policy discounts?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage basics

Learning about specific coverages of car insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Camaro.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability insurance

This can cover damage that occurs to a person or their property in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical expenses, medical services, repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills like hospital visits, surgery and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

This covers damage to your Camaro resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Knowledge is power

Affordable 1990 Chevy Camaro insurance is attainable online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance providers do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

While you’re price shopping online, never reduce needed coverages to save money. There are a lot of situations where an insured dropped physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. The aim is to buy enough coverage at an affordable rate.

We’ve covered a lot of information how to reduce insurance prices online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with some of the smallest insurance companies.

More information is located on the following sites: