Cheap 1996 Chevrolet Camaro Car Insurance Rates

If price shopping insurance coverage online is new to you, you may be confused by the hoards of companies selling insurance.

It’s a good idea to compare rates before your policy renews because prices are constantly changing. Even if you think you had the best rates on Camaro coverage on your last policy there may be better deals available now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to one of the easiest ways to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. The purpose of this post is to help educate you on the best way to quote coverages. But vehicle owners do need to know how companies price insurance differently.

Comprehensive Insurance Coverage Comparison

To find the best insurance coverage prices, there are several ways of comparing rates from different insurance companies. The recommended way to compare 1996 Chevy Camaro insurance prices consists of shopping online. This can be accomplished in several different ways.

  • One of the simplest ways consumers can analyze rates is a comparison rater form click here to open form in new window. This form saves time by eliminating separate quotes for every insurance coverage company. Completing one form will return price quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  • A harder way to get quotes online is spending the time to visit each individual company website to complete a price quote. For instance, let’s say you want to compare Allstate, Liberty Mutual and Geico. You would have to visit each site and enter your policy data, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make sure you use apples-to-apples deductibles and coverage limits on every quote you get. If you are comparing differing limits you can’t possibly make a fair comparison for your Chevy Camaro. Just a small difference in coverage limits may result in a large different in cost. And when comparison shopping, having more price comparisons helps locate a lower rate.

Save big with these discounts

Companies do not advertise all their discounts very clearly, so the following is a list of some of the more common and also the lesser-known insurance coverage savings.

  • Multiple Policy Discount – If you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in school.
  • Defensive Driver – Successfully completing a course in driver safety could cut 5% off your bill if your company offers it.
  • No Accidents – Claim-free drivers pay much less as compared to bad drivers.
  • Homeowners Pay Less – Owning a house may trigger a insurance coverage policy discount because owning a home is proof that your finances are in order.

Consumers should know that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. So when it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Companies that may have these benefits are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not apply in your state.

But I don’t know anything about car insurance

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Does my insurance cover a custom paint job?
  • Should I buy only the required minimum liability coverage?
  • Is there coverage for injuries to my pets?
  • Do I need special endorsements for business use of my vehicle?
  • What discounts do I qualify for?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverages for a Chevy Camaro

Having a good grasp of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability coverage – This coverage will cover injuries or damage you cause to other people or property. It 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 per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as legal defense fees, attorney fees, structural damage, emergency aid and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Camaro.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, theft, fire damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, backing into a parked car, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses for things like hospital visits, doctor visits, chiropractic care, EMT expenses and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

One last thing about your coverage

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Low-cost 1996 Chevy Camaro insurance can be bought both online as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented some good ideas how you can shop for insurance online. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from a small local company.

Additional detailed information can be found at these sites: