1999 Chevrolet Camaro Insurance Quotes – 8 Tips for Best Rates

Searching for cheaper insurance coverage rates for your Chevrolet Camaro? Shopping for car insurance is not really something consumers enjoy doing, but it’s mandatory for any vehicle you drive.

It’s important to do rate comparisons quite often because prices change quite often. Despite the fact that you may have had the best price on Camaro insurance last year you can probably find a better price now. You can find a lot of misleading information regarding insurance coverage on the web, but by reading this article, you’re going to learn some good information on how to buy insurance coverage cheaper.

If you are paying for car insurance now, you will be able to cut costs considerably using this information. Buying the best protection is not that difficult. But car owners need to learn how companies price online insurance and apply this information to your search.

How to Buy Car Insurance Online

There are several ways to compare rate quotes from car insurance companies in your area. The easiest way by far to find competitive 1999 Chevy Camaro insurance rates is to get quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The easiest and least time consuming way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This easy form eliminates the need for separate forms for each company you want a rate for. Completing one form gets you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.

A more time consuming way to compare rate quotes consists of going to the website for each individual company to complete a price quote. For example, let’s assume you want to compare rates from Liberty Mutual, Farmers and Geico. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

To view a list of companies in your area, click here.

Whichever way you use, make absolute certain that you use apples-to-apples coverages for every company. If your comparisons have different deductibles it will be very difficult to decipher which rate is best. Just a small difference in limits may result in a large different in cost. Keep in mind that having more price comparisons will increase your chances of finding a better price.

Do you qualify for these eight discounts?

Companies don’t list all available discounts very well, so we took the time to find some of the best known and the harder-to-find discounts you could be receiving.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Camaro insurance depending on your company.
  • Clubs and Organizations – Affiliation with a qualifying organization could trigger savings on auto insurance on Camaro insurance.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because maintaining a house requires personal responsibility.
  • No Claims – Good drivers with no accidents can save substantially as compared to bad drivers.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Accident Waiver – Certain companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.

It’s important to understand that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, companies don’t profit that way.

To see a list of providers who offer auto insurance discounts, click here to view.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

  • Am I covered if I drive in a foreign country?
  • What is UM/UIM insurance?
  • Is motorclub coverage worth it?
  • Is my Chevy Camaro covered if I use it for business?
  • How do I insure my teen driver?
  • Is my camper covered by my car insurance policy?
  • Why am I required to buy liability insurance?
  • Can I make deliveries for my home business?
  • Do I pay less for low miles?
  • Do I need an umbrella policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverage information

Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, damage from flooding and rock chips in glass. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for ambulance fees, hospital visits, pain medications and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage pays for damage to your Camaro resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Camaro.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability

This coverage can cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as bail bonds, loss of income, funeral expenses, attorney fees and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.