Car Insurance Quotes for a Chevy Camaro in Denver

Do you want an efficient way to compare the cheapest auto insurance rates in Denver, CO? Denver shoppers have lots of choices when shopping for low-cost Chevy Camaro insurance. You can either waste hours struggling with agents trying to get quotes or save time using the internet to compare rates. There is a better way to buy auto insurance and we’ll show you the best way to quote coverages on a Chevy and locate the cheapest rates from Denver insurance agents and online providers.

The companies shown below provide free rate quotes in Colorado. If multiple companies are listed, we suggest you get rate quotes from several of them to find the most affordable car insurance rates.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in specific location which can modify coverage rates substantially.

Higher deductibles save money

When comparing car insurance rates, the most common question is which deductibles should you choose. The rates shown below illustrate the rate fluctuation when you select higher and lower comp and collision deductibles. The first rate table uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in specific Denver garaging location which can influence coverage prices considerably.

Based on the above data, using a $250 deductible will cost you roughly $29 more each month or $348 every year than selecting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 26 months between claim filings, you would save more money if you elect the higher deductible.

Car insurance is an important decision

Despite the high cost of buying insurance for a Chevy Camaro in Denver, buying car insurance serves a purpose in several ways.

• The majority of states have mandatory liability insurance requirements which means state laws require specific limits of liability if you don’t want to risk a ticket. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you bought your Camaro with a loan, most banks will require that you buy insurance to ensure loan repayment if the vehicle is totalled. If the policy lapses, the lender may have to buy a policy to insure your Chevy at a much higher premium rate and make you pay for the expensive policy.
• Insurance protects not only your car but also your financial assets. Insurance will pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also pays expenses related to your legal defense in the event you are sued. If your car is damaged in a storm or accident, your car insurance policy will cover the repair costs.

The benefits of insuring your car definitely exceed the price paid, particularly if you ever have a claim. The average driver in America is wasting up to $820 a year so it’s very important to do a rate comparison at least once a year to make sure the price is not too high.

How to Lower Your Insurance Rates

Many things are used when premium rates are determined. Some factors are common sense like a motor vehicle report, but some are less obvious such as your marital status or your financial responsibility.

The itemized list below are some of the things used by insurance companies to determine prices.

• You might want pay the small policy claims yourself – Car insurance companies in Colorado award cheaper rates to people who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Your car insurance is designed for larger claims.
• Gender and insurance coverage premiums – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that females are better at driving than males. Both sexes cause fender benders in similar percentages, but the males tend to have higher claims. Men also get cited for more serious violations like driving under the influence (DUI). Male drivers age 16 to 19 are most likely to cause an accident so it costs more to insure them.
• Know your vehicle’s IIHS safety rating – Vehicles with good safety scores can get you lower premiums. Vehicles engineered for safety help reduce the chance of injuries in an accident and better occupant protection means less claims paid and cheaper rates on your policy.
• Fewer miles means better rates – Driving more miles every year the more you will pay for auto insurance. A lot of insurance companies charge to insure your cars based upon how the vehicle is primarily used. Autos not used for work or commuting can be on a lower rate level than vehicles that have high annual mileage. It’s a good idea to make sure your declarations sheet shows how each vehicle is driven. An improperly rated Camaro may be wasting your money.
• Your address can push rates up or down – Being located in a small town can save you money when trying to find low car insurance rates. City drivers regularly have more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident in addition to fewer liability claims.
• Insurance loss probability for a Chevy Camaro – Companies factor in insurance loss information to calculate a rate that will offset losses. Models that tend to have higher loss trends will cost more for specific coverages.

  The table below outlines the historical insurance loss data for Chevy Camaro vehicles. For each type of coverage, the loss probability for all vehicles, without regard to make or model, is considered to be 100. Numbers below 100 suggest a better than average loss history, while values that are above 100 indicate higher probability of having a loss or statistically larger claims.

  Chevrolet Camaro Insurance Loss Statistics

  Vehicle 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

Get cheaper Chevy Camaro insurance in Denver with discounts

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts to cut the cost considerably. Some trigger automatically at the time of purchase, but a few need to be asked for prior to receiving the credit.

• Anti-theft Discount – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a Denver auto insurance quote.
• Bundle and Save – If you have multiple policies with one company you could save as much as 10 to 15 percent.
• Switch and Save Discount – Select companies give a discount for renewing your policy prior to the expiration date on your current Camaro insurance policy. It could save around 10% when you buy Denver auto insurance online.
• Defensive Driver Discounts – Passing a course in defensive driving can save you 5% or more and easily pay for the cost of the class.
• Homeowners Savings – Just being a homeowner can help you save on insurance since owning and maintaining a home is proof of financial responsibility.
• Accident Free – Insureds with no claims or accidents can earn big discounts as opposed to bad drivers.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving could save 15% off the medical payments premium.
• Responsible Drivers – Drivers who don’t get into accidents may receive a discount up to 45% compared to accident prone drivers.
• Telematics Discount – Insureds who allow data collection to scrutinize driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as they are good drivers.
• Active Service Discounts – Having a family member in the military could qualify you for better rates.

As a sidenote, most credits do not apply to the whole policy. Most cut specific coverage prices like liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will definitely reduce the premium cost.

To view insurance companies that offer discounts in Denver, click this link.

Auto insurance can be complex

Always remember that when buying coverage, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions might point out whether you might need professional guidance.

• Is my camper covered for physical damage?
• Am I covered if I hit someone who is not insured?
• Why do I only qualify for high-risk insurance?
• Do I have coverage if my license is suspended?
• Should I get collision insurance on every vehicle?
• What is motorclub and do I need it?
• Does every company file a SR-22 automatically?
• Is there coverage for my trailer?
• What are the liability requirements in my state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Car insurance is available from your local insurance agencies

A lot of people would prefer to buy from a local agent and that can be a great decision Professional agents can help determine the best coverages and help in the event of a claim. A nice benefit of getting online price quotes is that drivers can save money and get cheap rate quotes but still work with a licensed agent.

To find an agent, once you fill out this short form, your insurance coverage information gets sent to participating agents in Denver who want to provide quotes for your insurance coverage. You won’t need to contact an agency since rate quotes are delivered directly to your email. If for some reason you want to get a price quote from a particular provider, just jump over to their website to submit a rate quote request.

Choosing an company shouldn’t rely on just a cheap price quote. These are some questions your agent should answer.

• Does the agent help file claims?
• If independent agents, which companies do they recommend?
• Can they provide you with a list of referrals?
• Are there any discounts that you might be missing?
• How long have they worked with personal auto insurance coverage?

How to choose the best car insurance agent in Denver

When looking for a local Denver insurance agency, you need to know there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Denver may be either independent or exclusive. Both types of agents can insure your vehicles properly, but it is important to understand the difference in the companies they write for because it can impact buying decisions.

Exclusive Car Insurance Agencies

Exclusive insurance agents are contracted to one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to compare rates from other companies so they really need to provide good service. These agents are highly trained on the products they sell which helps them compete with independent agents. Consumers frequently buy from exclusive agents partially due to the brand legacy instead of buying on price only.

The following are exclusive agents in Denver that can give you comparison quotes.

• American Family Insurance – Abbie Davis Tanner Agency Inc
  2855 Speer Blvd Suite D – Denver, CO 80211 – (303) 333-0205 – View Map
• Kelly Wells – State Farm Insurance Agent
  1855 S Pearl St Ste 100 – Denver, CO 80210 – (303) 862-4579 – View Map
• Beth Bales – State Farm Insurance Agent
  3650 S Yosemite St #408 – Denver, CO 80237 – (303) 993-2727 – View Map

More insurance agents

Independent Insurance Agents

Independent agents do not have single company limitations and that enables them to quote your coverage with an assortment of companies and find you the best rates. If you are not satisfied with one company, they simply switch companies in-house without you having to go to a different agency. When comparing car insurance rates, you will definitely want to get rate quotes from a couple of independent agencies to have the most options to choose from. Most independent agents also contract with companies that do not advertise much which can save you money.

The following is a short list of independent insurance agents in Denver who can help you get price quotes.

• All Insurance Agency
  67 Knox Ct – Denver, CO 80219 – (303) 935-3661 – View Map
• Sorhage and James Insurance
  1660 S Albion St # 1005 – Denver, CO 80222 – (303) 759-4551 – View Map
• American Home Insurance Agency
  7505 E Harvard Ave – Denver, CO 80231 – (888) 325-8108 – View Map

More insurance agents

Compare car insurance prices regularly to save

Insureds leave their current company for many reasons like lack of trust in their agent, being labeled a high risk driver, poor customer service or denial of a claim. Regardless of your reason, switching car insurance companies can be less work than you think.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The aim is to get the best coverage possible for the lowest price.

Low-cost Chevy Camaro insurance in Denver is available online in addition to many Denver insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not offer online rate quotes and many times these small insurance companies work with independent agencies.

Other learning opportunities

• Prepare your Teens for Safe Driving (InsureUonline.org)
• How Much is Auto Insurance for Ride Shares in Denver? (FAQ)
• Who Has Cheap Denver Auto Insurance for Lyft Drivers? (FAQ)
• What Car Insurance is Cheapest for a 20 Year Old Male in Denver? (FAQ)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• What is a Telematics Device? (Allstate)
• What is Full Coverage? (Allstate)