How to Save on Chevy Camaro Insurance in Columbus

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Have you finally had enough of sacrificing to pay car insurance each month? You're in the same situation as many other consumers in Ohio.

Insurance rates Chevy Camaro in ColumbusIt's an obvious conclusion that auto insurance companies don't want you to look for cheaper rates. People who shop for lower prices are very likely to switch companies because of the high probability of finding lower rate quotes. A recent car insurance study discovered that consumers who faithfully checked for cheaper rates saved $3,400 over four years compared to people who never shopped around for better prices.

If finding discount rates on auto insurance in Columbus is the reason you're here, then having some insight into how to find and compare insurance premiums can save money and time.

Steps to buying low-cost Chevy Camaro insurance in Columbus

If you want to save money, the best way to get low-cost Chevy Camaro insurance is to regularly compare prices from different companies who sell auto insurance in Columbus.

  • Step 1: Gain an understanding of car insurance and the things you can control to prevent expensive coverage. Many policy risk factors that are responsible for high rates like accidents, traffic tickets, and a low credit score can be remedied by making minor driving habit or lifestyle changes.
  • Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or Allstate, while independent agents can quote prices from multiple sources.
  • Step 3: Compare the new quotes to your existing rates and see if there is a cheaper rate. If you find a better price and buy the policy, make sure there is no lapse in coverage.
  • Step 4: Notify your company or agent to cancel your current coverage and submit the signed application along with the required initial payment to the new company. As soon as you receive it, safely store the proof of insurance paperwork somewhere easily accessible.

A good piece of advice is to make sure you enter identical coverage information on each price quote and and to analyze as many companies as possible. Doing this helps ensure a level playing field and a complete price analysis.

Consumers have so many auto insurance companies to choose from, and although it's nice to have a selection, it makes it harder to compare company pricing for Chevy Camaro insurance in Columbus.

You should take the time to check car insurance prices every six months because insurance rates change regularly. Just because you had the best deal on Chevy Camaro insurance in Columbus a year ago you can probably find a better price now. Forget all the misinformation about car insurance because you're about to find out one of the quickest ways to find great coverage at a great price.

Finding the cheapest car insurance coverage in Columbus is really quite simple as long as you have a good starting point. If you already have coverage, you should be able to shop for the lowest rates using the ideas you're about to read. Although Ohio drivers can benefit by having an understanding of the methods companies use to charge you for coverage and use it to your advantage.

The easiest way to compare rate quotes for Chevy Camaro insurance in Columbus is to realize all the major auto insurance companies actually pay money for the chance to provide you with free rate quotes. To begin a comparison, all you need to do is provide a small amount of information including your education level, marital status, if it has an alarm system, and driver ages. Your details gets transmitted to multiple companies and they return rate quotes immediately.

If you wish to get multiple quotes for your Chevy Camaro now, click here then complete the form.

The providers in the list below provide quotes in Columbus, OH. If multiple providers are shown, we suggest you visit several of them to get a more complete price comparison.

Rates and other information

The data table shown below showcases a range of rate quotes for Chevy Camaro models. Being able to understand how insurance prices are established is important for drivers to make smart choices when comparing insurance quotes.

Chevrolet Camaro Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $94 $182 $214 $12 $64 $566 $47
Camaro LT $94 $182 $214 $12 $64 $566 $47
Camaro SS $104 $210 $214 $12 $64 $604 $50
Get Your Own Custom Quote Go

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in specific garaging location which can decrease or increase price quotes considerably.

Choosing deductibles

One common question asked by Columbus drivers is which deductibles should you choose. The figures shown below can help you understand the rate fluctuation between low and high insurance deductibles. The first rate table uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Chevrolet Camaro insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $198 $348 $226 $14 $68 $879 $73
Camaro LT $198 $348 $226 $14 $68 $879 $73
Camaro SS $220 $400 $226 $14 $68 $953 $79
Get Your Own Custom Quote Go
Chevrolet Camaro insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $122 $220 $226 $14 $68 $650 $54
Camaro LT $122 $220 $226 $14 $68 $650 $54
Camaro SS $136 $252 $226 $14 $68 $696 $58
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in your specific Columbus location which can affect rates greatly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $20 more each month or $240 annually averaged for all Camaro models than quoting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 38 months between claim filings, you would probably come out ahead by selecting a higher deductible. The table below illustrates how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $75
Average monthly premium for $1,000 deductibles (subtract): - $55
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

An important sidenote is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you do file a claim. That will require enough money put aside in order to pay the deductible for vehicle repair.

The example below demonstrates how deductibles and can change Chevy Camaro insurance costs for each different age group. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are applied.

Car insurance is unique, just like you

When choosing your policy, there isn't really a "best" method to buy coverage. Every situation is different so this has to be addressed.Drive safe and save Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

  • Are split liability limits better than a combined single limit?
  • Can my teen drive my company car?
  • Can I drive in Mexico and have coverage?
  • Am I covered if I hit someone who is not insured?
  • What can I do if my company won't pay a claim?
  • Is extra glass coverage worth it?

If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Compare rate quotes but buy from a local Columbus insurance agency

Many drivers would rather have an agent's advice and often times that is recommended One of the great benefits of getting free rate quotes online is you may find cheaper rates and also buy local.

Columbus insurance agentsOnce you complete this short form, the quote information is emailed to agents in your area who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to leave your house because prices are sent to you directly. You can find better rates and a licensed agent to talk to. If you want to get a price quote from one company in particular, you can always find their quoting web page and submit a quote form there.

Choosing an provider is decision based upon more than just a low price. Here are some questions to ask:

  • Will the agent help in case of a claim?
  • Do they specialize in personal lines coverage in Columbus?
  • Which companies can they place coverage with?
  • Is there a local claims center in Columbus?
  • Is the quote a firm price?
  • Is the agent properly licensed in Ohio?

When finding a reputable agency, there are two types of agencies to choose from. Insurance agencies in Columbus can be categorized as either independent or exclusive.

Exclusive Agents

Exclusive agents can only provide pricing for a single company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to place coverage with different providers so it's a take it or leave it situation. These agents are well schooled on sales techniques which helps offset the inability to provide other markets.

Shown below is a short list of exclusive agents in Columbus that are able to give price quote information.

1707 Bethel Rd - Columbus, OH 43220 - (614) 459-2424 - View Map

1495 Morse Rd #100 - Columbus, OH 43229 - (614) 267-7865 - View Map

Howard Tyler - State Farm Insurance Agent
1395 E Dublin Granville Rd #201 - Columbus, OH 43229 - (614) 431-8192 - View Map

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Independent Auto Insurance Agents

Independent insurance agents are normally appointed by many insurers and that enables them to quote your coverage with many different companies and potentially find a lower price. If premiums increase, your policy is moved internally and you don't have to switch agencies. When comparing auto insurance rates, we recommend you include price quotes from several independent agencies to ensure the widest selection of prices.

Shown below are Columbus independent insurance agencies willing to provide rate quotes.

4942 Reed Rd - Columbus, OH 43220 - (614) 451-2232 - View Map

777 Goodale Blvd - Columbus, OH 43212 - (614) 221-1500 - View Map

12927 Stonecreek Dr - Pickerington, OH 43147 - (614) 866-6060 - View Map

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