Insurance quote for Chevy Camaro in ColumbiaHow long has it been since you compared quotes for more affordable Chevy Camaro insurance in Columbia? There isn't a single person who gets a kick out of paying for auto insurance, particularly when the cost is too high.

Regrettably, over 70% of South Carolina drivers have remained with the same auto insurance company for more than four years, and practically 40% of auto insurance customers have never even compared quotes to find cheaper rates. Consumers in America could save almost $859 every year just by comparing rates, but they just feel it's too hard to save money by comparing rate quotes. Multiple car insurance companies compete for your business, and because of this it can be hard to compare insurance companies and get the best coverage at the best rates possible on Chevy Camaro insurance in Columbia.

Smart consumers take time to get comparison quotes before your next renewal because insurance prices fluctuate regularly. Just because you found the lowest rate on Chevy Camaro insurance in Columbia two years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because it's time to teach you the fastest and easiest way to properly buy coverages and cut your premium.

Companies offering Chevy Camaro insurance in Columbia

The companies in the list below offer quotes in South Carolina. If more than one company is shown, it's highly recommended you get rate quotes from several of them to find the most competitive auto insurance rates.

Chevrolet Camaro Insurance Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $144 $280 $328 $20 $98 $870 $73
Camaro LT $256 $540 $386 $22 $116 $1,320 $110
Camaro SS $264 $558 $412 $24 $124 $1,382 $115
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in vehicle garaging location which can decrease or increase auto insurance rates substantially.

Auto insurance deductibles

When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The following insurance rates can help show the rate fluctuation when you buy lower versus higher insurance deductibles. The first rate table uses a $100 physical damage deductible and the second data table uses a $1,000 deductible.

Chevrolet Camaro insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $332 $624 $342 $20 $102 $1,445 $120
Camaro LT $332 $624 $342 $20 $102 $1,445 $120
Camaro SS $370 $720 $342 $20 $102 $1,579 $132
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Chevrolet Camaro insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $184 $330 $342 $20 $102 $978 $82
Camaro LT $184 $330 $342 $20 $102 $978 $82
Camaro SS $204 $380 $342 $20 $102 $1,048 $87
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific zip code location which can affect auto insurance rates noticeably.

Based on this data, using a $100 deductible will cost in the ballpark of $40 more each month or $480 each year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 23 months between claim filings, you would most likely save money if you decide on a higher deductible.

Reckless driving habits raise Columbia auto insurance rates

The diagram below illustrates how speeding tickets and at-fault claims can increase Chevrolet Camaro insurance rates for different age groups. The rate quotes are based on a single male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

Deductible comparison

The chart below demonstrates how deductible levels and can raise or lower Chevrolet Camaro insurance costs for each different age group. The price estimates are based on a single male driver, full coverage, and no discounts are taken into consideration.

Learn How to Lower Your Insurance Prices

Multiple criteria are taken into consideration when you get a price on insurance. Some are obvious like a motor vehicle report, although others are not quite as obvious such as your marital status or your vehicle rating. A large part of saving on insurance is knowing the rating factors that play a part in calculating the price you pay for insurance. If you have a feel for what impacts premium levels, this allows you to make good choices that can help you get cheaper rates.

Safety first - Vehicles with high crash test scores are cheaper to insure. These vehicles reduce occupant injuries and lower injury rates translates directly to fewer claims passed on to you as lower rates.

Big city or small town - Residing in small towns and rural areas can be a good thing if you are looking for the lowest rates. Less people living in that area corresponds to lower accident rates in addition to fewer liability claims. People who live in big cities have to deal with congested traffic and much longer commute distances. The longer drive time means a statistically higher chance of an accident.

Get hitched and get better prices - Having a spouse helps lower the price on your policy. Marriage translates into being more mature than a single person and insurance companies reward insureds because being married results in fewer claims.

Drive less and get lower rates - The more miles you rack up on your Chevy every year the more you'll pay to insure your vehicle. A lot of companies rate vehicles based upon how much you drive. Vehicles not used for work or commuting qualify for better rates than vehicles that have high annual mileage. Make sure your vehicle rating is rated on the correct usage. An incorrectly rated Camaro is throwing money out the window.

Chevy Camaro claim data - Insurers include the past claim history for a vehicle to help determine costs. Models that tend to have higher losses will have a higher cost to insure. The information below illustrates the compiled insurance loss statistics for Chevy Camaro vehicles.

For each insurance policy coverage type, the claim amount for all vehicles, as a total average, is a value of 100. Percentages below 100 suggest losses that are better than average, while numbers above 100 indicate more frequent losses or statistically larger losses.

Insurance Loss Ratings for Chevrolet Camaro Vehicles

Specific Chevrolet 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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Check for these discounts

Companies offering auto insurance don't always publicize every policy discount in an easy-to-find place, so the following is a list of a few of the more well known and the harder-to-find credits available to you.Cheaper auto insurance with discounts

Keep in mind that some credits don't apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, company stockholders wouldn't be very happy.

To see auto insurance companies that offer the discounts shown above in Columbia, follow this link.

Get rate quotes but buy from a neighborhood Columbia auto insurance agent

A small number of people just prefer to buy from a local agent and that is just fine! Insurance agents can help you choose the best coverages and help in the event of a claim. An additional benefit of comparing rate quotes online is that you can find cheap auto insurance quotes and still have a local agent.

Insurance agents in ColumbiaTo help locate an agent, after submitting this quick form, the quote information is instantly submitted to agents in your area who will give you quotes and help you find cheaper coverage. You don't have to contact an agency since rate quotes are delivered instantly to you. If you need to get a rate quote from one company in particular, you just need to find their quoting web page and fill out their quote form.

Picking the best insurance company requires more thought than just the bottom line cost. These are some questions you should get answers to.

If you would like to find a reliable insurance agent, it helps to know the two different types of agents and how they can quote your rates. Columbia agents may be either independent or exclusive depending on the company they work for. Either type can handle auto insurance, but it's good to learn the difference between them since it may influence which type of agent you select.

Exclusive Agents

Exclusive agencies are contracted to one company and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide other company's prices so they really need to provide good service. They are usually quite knowledgeable on the products they sell which helps them sell on service rather than price.

The following is a short list of exclusive agents in Columbia who can help you get price quotes.


6911 N Trenholm Rd #3 - Columbia, SC 29206 - (803) 782-5445 - View Map


504 Gervais St - Columbia, SC 29201 - (803) 250-4930 - View Map


452 W Killian Rd d - Columbia, SC 29203 - (803) 764-6779 - View Map

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Independent Auto Insurance Agencies

Agents that elect to be independent do not sell for just one brand so they can write business with many different companies and get you the best rates possible. To transfer your coverage to a different company, they can switch companies in-house and you don't have to find a new agent. If you are trying to find cheaper rates, you definitely need to include rate quotes from a couple of independent agencies to get the best comparison.

Listed below are independent agents in Columbia that can give you rate quotes.


2442 Devine St - Columbia, SC 29205 - (803) 728-3318 - View Map


10248 Two Notch Rd - Columbia, SC 29229 - (803) 736-6161 - View Map


1320 Elmwood Ave - Columbia, SC 29201 - (803) 779-7854 - View Map

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If you get positive responses to your questions as well as an affordable premium quote, you may have found a car insurance agent that will properly insure your vehicles. Just be aware that you have the power to terminate your policy for any reason so don't assume you're contractually obligated to a specific company with no way out.

In the end, you can save money

As you go through the steps to switch your coverage, make sure you don't skimp on coverage in order to save money. There have been many cases where someone sacrificed physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at the best cost while still protecting your assets.

Cheaper Chevy Camaro insurance in Columbia can be found from both online companies as well as from independent agents in Columbia, so you should compare both to get a complete price analysis. Some insurance providers do not provide rates over the internet and many times these small insurance companies work with independent agents.

Additional detailed information is available at these sites: