1998 Chevrolet Camaro Insurance Quotes – 6 Tips for Cheaper Rates

Looking for cheaper insurance coverage rates? Shoppers have a choice when shopping for the lowest priced Chevy Camaro insurance. You can either spend your time calling around getting price quotes or use the internet to find the lowest rates.

There are more efficient ways to buy insurance coverage and we’ll show you the proper way to quote coverages for your Chevy and find the lowest possible price from both online companies and local agents.

You need to get comparison quotes every six months due to the fact that insurance rates fluctuate regularly. Even if you think you had the lowest price for Camaro coverage a couple years back you may be paying too much now. Ignore everything you know about insurance coverage because you’re about to find out one of the quickest ways to find better coverage at a better price.

The purpose of this post is to familiarize you with how to get online quotes and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these tips. Drivers just need to know the proper way to buy auto insurance online.

The most recommended method to compare policy rates takes advantage of the fact most insurance companies pay for the opportunity to compare their rates. To begin a comparison, all you need to do is take a few minutes to give details such as if you have a valid license, how many miles driven, which vehicles you own, and deductibles desired. Your details is automatically sent to many highly-rated insurers and they respond with quotes within a short period of time.

To compare rates for a Chevy Camaro now, click here and complete the form.

Discounts can save BIG

Car insurance can cost a lot, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be manually applied in order for you to get them. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Accident Free – Good drivers with no accidents pay less compared to drivers who are more careless.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Student in College – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.
  • Early Signing – Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts of 20% or more.

Consumers should know that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you won’t be that lucky. But all discounts will cut your overall premium however.

Car insurance companies that may have these discounts are:

It’s a good idea to ask all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in your area.

Will just any policy work for me?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions may help highlight if your situation might need professional guidance.

  • Where can I find DUI or SR-22 insurance?
  • Should I rate my 1998 Chevy Camaro as pleasure use or commute?
  • How high should my uninsured/underinsured coverage be in my state?
  • How do I file an SR-22 for a DUI in my state?
  • At what point should I drop full coverage?
  • What if I total my 1998 Chevy Camaro and owe more than it’s worth?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Insurance specifics

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Camaro.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. 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.

Collision coverage protection

Collision insurance covers damage to your Camaro from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like dental work, rehabilitation expenses and pain medications. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, fire damage and vandalism. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

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 policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as court costs, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Smart consumers save more

You just read many tips how you can compare 1998 Chevy Camaro insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even find the lowest rates come from some of the smallest insurance companies.

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced collision coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

Cost effective insurance can be sourced both online as well as from independent agents, so compare prices from both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

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