Chevy Camaro insurance policy image courtesy of QuoteInspector.com
Do you want an efficient way to compare more competitive Chevy Camaro insurance in Austin? If you're new to shopping for Austin car insurance quotes online, most likely you are confused by the large number local agents and online companies who claim to have the best insurance rates.
It's astonishing, but a large majority of drivers have purchased from the same company for at least four years, and about 40% of consumers have never compared quotes from other companies. Texas drivers could save about 70% each year just by getting comparison quotes, but they underestimate how much money they would save if they switched to a more affordable policy.
This article will let you in on the most effective ways to compare rates and some tricks to saving. If you have a current auto insurance policy, you will definitely be able to find the best rates using this information. But Texas vehicle owners need to have an understanding of the way companies market on the web because it can help you find the best coverage.
When shopping for Chevy Camaro insurance in Austin there are multiple ways to compare quotes from different companies. The best method to find competitive Chevy Camaro insurance rates is to use the internet to compare rates.
It's important to know that comparing a large number of companies will increase your chances of finding a lower rate.
The companies shown below have been selected to offer free rate quotes in Austin, TX. If more than one company is shown, we suggest you visit as many as you can to get the cheapest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $288 | $594 | $366 | $22 | $110 | $1,380 | $115 |
| Camaro LT | $260 | $532 | $496 | $30 | $148 | $1,466 | $122 |
| Camaro SS | $288 | $614 | $496 | $30 | $148 | $1,576 | $131 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in Austin location which can raise or lower coverage prices greatly.
Chevrolet Camaro insurance rates by age and gender
The illustration below compares Chevrolet Camaro annual premium costs for male and female drivers. The price estimates are based on no accidents, no driving violations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Cautious drivers save money
The information below highlights how traffic violations and at-fault claims impact Chevrolet Camaro insurance prices for different age groups of insureds. The premiums are based on a married male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
Higher deductibles lower rates
The example below illustrates how your deductible choice and can affect Chevrolet Camaro yearly insurance costs for different insured age categories. The rates are based on a single female driver, full physical damage coverage, and no discounts are factored in.
Car insurance just makes sense
Even though it can be expensive, paying for car insurance is not optional due to several reasons.
First, most states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your Chevy Camaro, it's most likely the lender will require that you carry insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Chevy at a significantly higher premium and force you to pay much more than you were paying before.
Third, car insurance preserves your Chevy and your assets. It will also pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay attorney fees if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of buying car insurance more than offset the price you pay, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $865 each year so shop around at least once a year to be sure current rates are still competitive.
Smart Buyers Know How to Quote Insurance at a Discount
The best way to find cheaper insurance is to take a look at the factors that come into play when calculating your premiums. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower rates.
The items below are some of the items used by your company to calculate your premiums.
- Do safer cars cost less to insure? - Cars with high safety ratings cost less to insure. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries means lower claim amounts and cheaper rates on your policy. If your Chevy has ratings of a minimum four stars on Safercar.gov it may cost less to insure.
- Does insurance cost more for men? - The statistics show that men are more aggressive behind the wheel. This data doesn't prove that females are better drivers. Males and females cause fender benders in similar percentages, but men tend to have higher claims. Men also tend to have more aggressive citations like driving under the influence (DUI). Male drivers age 16 to 19 have the highest risk to insure so they pay the highest premiums.
- Extra policy coverages you don't use - There are quite a few additional extra coverages that may not really be needed if you aren't diligent. Coverage for things like personal injury protection, accident forgiveness, and additional equipment coverage may be costing you every month. You may think they are a good idea when discussing your needs, but your needs may have changed so remove them and pocket the money.
- Vehicle options can affect insurance rates - Selecting a car model with an alarm system can save you some money. Systems that thwart thieves such as GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
- Chevy Camaro insurance claim data - Insurance companies include the past claim history for a vehicle to calculate a rate that will offset losses. Models that the data shows to have higher losses will have increased rates. The information below illustrates the insurance loss data used by companies for Chevy Camaro vehicles.
For each coverage category, the claim probability for all vehicles, regardless of manufacturer or model, is set at 100. Percentage numbers below 100 are indicative of better than average losses, while numbers above 100 indicate frequent claims or tendency to have higher losses.Auto Insurance Loss Data for Chevrolet Camaro Models
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Chevrolet Camaro 2dr 139 118 123 123 130 127 Chevrolet Camaro Convertible 92 85 107 85 95 103 Chevrolet Camaro ZL1 2dr 222 80 174 Chevrolet Camaro ZL1 Convertible 111 113 Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Companies offer lots of discounts on Chevy Camaro insurance in Austin
Insurance can cost an arm and a leg, but you may find discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but some need to be asked for in order for you to get them.
- Early Switch Discount - A few insurance companies give discounts for switching policies before your current Camaro insurance policy expires. It can save you around 10%.
- Senior Citizen Discount - If you qualify as a senior citizen, you could receive lower premium rates.
- Accident Waiver - This one isn't a discount, but some companies like State Farm and Allstate will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free for a set time period.
- Claim Free - Insureds who avoid accidents and claims have much lower rates when compared with insureds who have frequent claims or accidents.
- Theft Prevention Discount - Cars equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a Austin car insurance quote.
As a sidenote, some credits don't apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren't that generous.
To see a list of insurance companies who offer free Chevy Camaro insurance quotes in Austin, click here.
Don't I need to talk to an agent?
Many people just prefer to talk to an insurance agent and that is not a bad decision One of the benefits of comparing rate quotes online is that you can obtain the lowest rates and still choose a local agent. Buying insurance from neighborhood agents is important especially in Austin.
For easy comparison, once you complete this short form, your insurance data is emailed to participating agents in Austin that provide free Austin car insurance quotes and help you find cheaper coverage. There is no need to drive around because quoted prices will be sent straight to your inbox. You can get cheaper insurance rates and a licensed agent to work with. If for some reason you want to get a rate quote for a specific company, you can always search and find their rate quote page and submit a quote form there.
When searching for a reliable agent, you need to know there are two types of insurance agents that you can choose from. Insurance agents in Austin are categorized either independent or exclusive.
Independent Agencies or Brokers
Agents that choose to be independent do not have single company limitations so as a result can place your coverage with many different companies and help determine which has the cheapest rates. If prices rise, your policy is moved internally and you can keep the same agent.
If you need cheaper insurance rates, you definitely need to compare quotes from several independent agencies to have the best price comparison. Most have the option of insuring with companies you've never heard of which can be an advantage.
Below is a short list of independent insurance agents in Austin who may be able to give you comparison quotes.
- EZ Insurance Agency - North
7600 N Lamar Blvd # E - Austin, TX 78752 - (512) 445-2700 - View Map - Stuart Butts Agency Nationwide - Lezam insurance
700 Rio Grande St c - Austin, TX 78701 - (512) 837-5000 - View Map - Watkins Insurance Group
3834 Spicewood Springs Rd - Austin, TX 78759 - (512) 452-8877 - View Map
Exclusive Insurance Agencies
Agents in the exclusive channel have only one company to place business with and some examples include Allstate and State Farm. Exclusive agents are unable to shop your coverage around so they have to upsell other benefits. These agents are very knowledgeable in insurance sales which helps overcome the inability to quote other rates. Some insured continue to use the same agent primarily because of high brand loyalty and the convenience of having all coverages with one company.
Listed below is a short list of exclusive insurance agencies in Austin willing to provide price quotes.
- Allstate Insurance: Homero Escobar
730 W Stassney Ln Ste 230 - Austin, TX 78745 - (512) 443-9598 - View Map - Herman Askew - State Farm Insurance Agent
13201 Pond Springs Rd #105 - Austin, TX 78729 - (512) 250-5533 - View Map - Richard Munoz - State Farm Insurance Agent
5446 W US Hwy 290 Service Rd #104 - Austin, TX 78735 - (512) 892-3527 - View Map
Finding the right car insurance agent needs to be determined by more than just a cheap price quote. Any agent in Austin should have no problem answering these questions:
- What is the agency's Better Business Bureau rating?
- Can you get a list of referrals?
- Can you use your own choice of collision repair facility?
- How many years have they been established?
- What insurance company do they write the most business with?
- Where are claims handled?
Don't give up on cheap rates
In this article, we presented a lot of ways to shop for Chevy Camaro insurance online. It's most important to understand that the more quotes you get, the higher the chance of saving money. Drivers may even discover the lowest priced auto insurance comes from the least-expected company.
When you buy Austin car insurance online, it's not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best price while still protecting your assets.
Discount Chevy Camaro insurance in Austin can be purchased both online and from local agencies, so you need to quote Austin car insurance with both to have the best selection. There are still a few companies who do not offer online price quotes and these smaller providers sell through local independent agents.
Other information
- Rental Reimbursement Coverage (Allstate)
- How Much is Austin Auto Insurance for a Ford Explorer? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Chevrolet Equinox in Austin? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Teenagers in Austin? (FAQ)
- Red Light Cameras (State Farm)
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)