Insurance quote for Chevy Camaro in Fort WaynePaying cheaper prices for Chevy Camaro insurance in Fort Wayne could be slightly frustrating for drivers who have little experience online insurance quotes. With so many insurance agents and companies in the marketplace, it can easily turn into a difficult challenge to find better rates on Chevy Camaro insurance.

Unthinkable but true, a large majority of auto insurance policyholders kept their coverage with the same auto insurance company for over three years, and approximately 40% of consumers have never even compared quotes to find lower-cost rates. Many drivers in Fort Wayne could cut their rates by $697 a year by just shopping around, but they underestimate how much savings they would realize if they switched.

Finding the best-priced auto insurance coverage in Fort Wayne is not as hard as you think. In essence, every car owner who is shopping for auto insurance will probably get a lower-priced policy. But Indiana vehicle owners can benefit by having an understanding of how insurance companies determine prices because rates are impacted by many factors.

Companies offering Chevy Camaro insurance in Indiana

The companies in the list below provide quotes in Indiana. If the list has multiple companies, we recommend you visit two to three different companies to get the most competitive price.

Chevrolet Camaro Insurance Price Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $220 $428 $380 $22 $114 $1,164 $97
Camaro LT $234 $504 $294 $18 $88 $1,138 $95
Camaro SS $130 $258 $264 $16 $80 $748 $62
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in garaging location in Fort Wayne which can alter rates considerably.

Car insurance deductibles

The example below demonstrates how choosing different deductibles and can influence Chevrolet Camaro insurance premiums for different age groups of insureds. The prices are based on a single female driver, comp and collision included, and no discounts are applied to the premium.

Physical damage deductible comparison

The hardest decision when buying coverage is at what level do you set your deductibles. The data tables below can help you understand the premium difference between low and high physical damage coverage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Chevrolet Camaro insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $272 $514 $280 $16 $84 $1,191 $99
Camaro LT $272 $514 $280 $16 $84 $1,191 $99
Camaro SS $304 $592 $280 $16 $84 $1,301 $108
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Chevrolet Camaro insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $152 $270 $280 $16 $84 $802 $67
Camaro LT $152 $270 $280 $16 $84 $802 $67
Camaro SS $168 $312 $280 $16 $84 $860 $72
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can lower or raise insurance rates greatly.

Based on these figures, using a $100 deductible costs an average of $33 more each month or $396 every year than opting for the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 27 months between claims, you would probably save some money if you choose a higher deductible.

You may qualify for discounts for Chevy Camaro insurance in Fort Wayne

Auto insurance is expensive, but you may be missing some discounts to reduce the price significantly. Many discounts should be triggered when you quote, but lesser-known reductions have to be requested specifically in order for you to get them.Cheaper auto insurance with discounts

One last thing about discounts, some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like you could get a free auto insurance policy, it doesn't quite work that way. But all discounts will help reduce the premium cost.

A few of the larger companies and some of their more popular discounts include:

If you are trying to find inexpensive Fort Wayne car insurance quotes, ask all the companies how many discounts you can get. Some credits might not be offered on policies in your area. To choose insurers with discount auto insurance rates in Fort Wayne, follow this link.

Eight Tips to Get Cheap Fort Wayne Insurance Premiums

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that play a part in calculating the price you pay for car insurance. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that can earn you lower premium levels. Many factors are used when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are not as apparent such as your marital status or your financial responsibility.

The factors shown below are some of the major factors that factor into prices.

Raise physical damage deductibles and save - Comp and collision deductibles tell how much the insured will be required to pay before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be a windshield broken by a bird, collision with a deer, and having a roll-over accident. The more you choose to pay out-of-pocket, the bigger discount you will receive.

How many coverages with the same company - Most larger insurers provide lower prices to insureds who buy several policies from them such as combining an auto and homeowners policy. If you currently are using one company, it's always a smart idea to compare other Fort Wayne Camaro insurance rates to guarantee you are still saving the most. Consumers may find lower rates even if you have your coverage with different companies

Vehicle theft costs us all - Choosing to buy a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.

Employer reflects on rates - Careers such as doctors, architects and financial analysts usually pay the highest rates in part from intense work requirements and extremely grueling work hours. On the other hand, occupations such as professors, athletes and performers have lower than average premiums.

Know your vehicle's NHTSA crash test rating - Safe vehicles cost less to insure. Vehicles built for safety reduce occupant injuries and any reduction in injury severity means less claims paid which can mean better rates for you.

No claims equals cheap premiums - If you tend to file frequent claims, you can pretty much guarantee higher rates. Car insurance companies in Indiana award the best rates to policyholders that do not abuse their auto insurance. Insurance coverage is designed for claims that pose a financial burden.

Tickets drive up rates - Getting just one moving violation may increase your cost by as much as twenty percent. Good drivers pay less for auto insurance than bad drivers. Drivers with flagrant violations like DUI or willful reckless driving may find that they have to to complete a SR-22 with their state's department of motor vehicles in order to legally drive.

Where you live plays a part - Living in less populated areas of the country has it's advantages when shopping for auto insurance. Less people living in that area corresponds to lower accident rates and lower theft and vandalism rates. City drivers tend to have congested traffic and more time behind the wheel. More time commuting means higher likelihood of an accident.

Insurance losses for a Chevy Camaro - Insurers factor in historical loss data to help determine rates. Vehicles that the statistics show to have higher prevalence or dollar amount of losses will have a higher cost to insure. The table below demonstrates the actual insurance loss data for Chevy Camaro vehicles.

For each policy coverage type, the claim probability for all vehicles averaged together is equal to 100. Values that are under 100 suggest a positive loss record, while numbers shown that are more than 100 indicate more frequent losses or an increased likelihood of larger losses.

Chevrolet Camaro Insurance Loss Statistics

Make and 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

What is the best car insurance coverage?

When it comes to choosing proper insurance coverage, there really is not a "best" method to buy coverage. Your financial needs are unique and your car insurance should be unique as well.Car insurance savings For instance, these questions may help highlight whether or not you would benefit from professional advice.

If you're not sure about those questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, take a second and complete this form or go to this page to view a list of companies.

When to have guidance from a local insurance agent

Some people still like to sit down with an agent and doing that can be a smart decision One of the great benefits of comparing insurance online is that you can obtain cheap insurance rates and still have an agent to talk to. And supporting local insurance agents is definitely important in Fort Wayne.

To make it easy to find an agent, after completing this form (opens in new window), the quote information is instantly submitted to local insurance agents in Fort Wayne that can give you free Fort Wayne car insurance quotes to get your business. There is no need to contact an agency due to the fact that quote results will go immediately to you. You can get cheaper insurance rates and a licensed agent to talk to. If you wish to get a comparison quote from a specific company, don't hesitate to navigate to their website and complete a quote there.

Choosing an provider is decision based upon more than just a cheap quote. Agents should be asked these questions:

Don't give up on cheaper rates

Lower-priced Chevy Camaro insurance in Fort Wayne can be sourced both online and with local Fort Wayne insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies don't offer price quotes online and these smaller providers work with local independent agencies.

As you go through the steps to switch your coverage, it's a bad idea to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

Additional car insurance information is available at these links: