Want a free price quotes on more affordable car insurance rates in Irvine, CA? Irvine buyers have a choice when searching for the best price on Chevy Camaro insurance. You can either waste hours calling around to get rate comparisons or use the internet to find the lowest rates. There are both good and bad ways to compare car insurance rates so we’re going to tell you the proper way to quote coverages for your Chevy and find the cheapest rates either online or from Irvine insurance agents.
Consumers need to quote other rates at least once a year because car insurance prices tend to go up over time. If you had the best rates on Chevy Camaro insurance in Irvine six months ago a different company probably has better premium rates today. You can find a lot of information about Camaro insurance on the internet, but in just a couple of minutes you can learn some proven techniques to save money.
If you are already insured or are just looking to switch companies, use these cost-cutting techniques to lower your rates without sacrificing coverage. These techniques will help you learn how car insurance quotes work and some money-saving tips. Vehicle owners only need to know the most effective way to compare insurance rates from many different companies.
Lower rate quotes by taking advantage of discounts
Companies that sell car insurance don’t always list all available discounts in an easy-to-find place, so we break down both the well known and the harder-to-find discounts you could be receiving when you buy Irvine auto insurance online.
- Paper-free Discount – Many larger companies give back up to $50 just for signing your application on the internet.
- No Claims – Good drivers with no accidents pay less as opposed to policyholders that have many claims.
- ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
- Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
- Drivers Ed for Students – Cut your cost by having your teen driver successfully take a driver’s education course in school or through a local driver safety program.
As a sidenote, most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.
The chart below illustrates the difference between Chevy Camaro annual premium costs with and without discounts applied to the premium. The data assumes a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, claim-free, multi-car, and safe-driver discounts applied.
A few of the larger companies and their offered discounts are shown below.
- State Farm discounts include driver’s education, student away at school, good student, multiple policy, and accident-free.
- Farmers Insurance offers discounts for early shopping, switch companies, homeowner, youthful driver, teen driver, alternative fuel, and electronic funds transfer.
- GEICO may include discounts for driver training, seat belt use, defensive driver, multi-policy, and multi-vehicle.
- American Family offers discounts including air bags, mySafetyValet, defensive driver, multi-vehicle, and TimeAway discount.
- Nationwide may offer discounts for anti-theft, Farm Bureau membership, family plan, business or organization, easy pay, good student, and multi-policy.
- Progressive offers premium reductions for homeowner, good student, multi-policy, continuous coverage, multi-vehicle, online signing, and online quote discount.
If you need affordable Irvine auto insurance quotes, ask each company the best way to save money. A few discounts may not apply to policyholders in Irvine. For a list of car insurance companies who offer car insurance discounts in Irvine, click this link.
How to shop Chevy Camaro insurance online
The majority of larger companies such as Allstate and Progressive allow you to get coverage prices from their websites. The process is possible for anyone as all you need to do is type in the coverages you want into a form. After the form is submitted, the quote system orders your driving record and credit report and generates pricing information.
Getting online rate quotes for Chevy Camaro insurance in Irvine helps simplify price comparisons, and it’s absolutely necessary to perform this step if you want to get a better rate.
To use this form to compare rates, compare rates from the companies below. If you currently have coverage, we recommend you enter the coverages as close as possible to your current policy. Doing this assures you’re receiving rate quotes based on similar coverages.
The companies in the list below offer comparison quotes in California. To find cheap car insurance in California, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
Rate information and statistics
The price information shown below covers estimates of prices for Chevy Camaro models. Having a better idea how policy rates are established helps drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| Camaro LT | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| Camaro SS | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in Irvine location which can affect premium rates considerably.
Analysis of deductible levels
When buying auto insurance, a common question is where to set your physical damage deductibles. The premium rates below outline the price difference when you buy lower versus higher physical damage deductibles. The first rate quote example uses a $100 deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Camaro LT | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Camaro SS | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Camaro LT | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Camaro SS | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in specific Irvine garaging location which can modify coverage rates significantly.
Based on the figures above, using a $100 deductible costs approximately $35 more each month or $420 every year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 11 months between claim filings, you would probably save some money if you opt for a higher deductible.
Do you need full coverage?
The information below shows the comparison of Chevy Camaro auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no accidents or driving violations, $1,000 deductibles, single marital status, and no discounts are factored in.
Should you pay for full coverage or liability only?
There isn’t a written rule to exclude physical damage insurance, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s say your Chevy Camaro replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $3,000 after paying your deductible. If you are paying more than $300 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some circumstances where eliminating full coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Do I need a local insurance agent?
Some people would rather visit with an insurance agent and that is a personal choice. Good insurance agents can make sure you are properly covered and help you file claims. An additional benefit of getting online price quotes is the fact that you can find cheap insurance rates but still work with a licensed agent.
To help locate an agent, after submitting this simple form, your insurance data is transmitted to agents in your area who will gladly provide quotes for your coverage. You won’t need to drive around since rate quotes are delivered directly to you. If you want to get a comparison quote from a particular provider, just find their quoting web page and fill out their quote form.
Picking an provider requires more thought than just a low price. Before buying a policy in Irvine, get answers to these questions.
- Can you use your own choice of collision repair facility?
- Can glass claims be handled at your home?
- Does the company have a local claim office in Irvine?
- How long have they been in business?
- How is replacement cost determined on your vehicle?
- Is there a 24/7 contact number?
- Do they have designations such as AIC, CPCU, or CIC?
- Are aftermarket or OEM parts used to repair vehicles?
Not all auto insurance agents are the same
If you prefer to buy insurance from a local Irvine insurance agency, you need to know there are two types of insurance agents and how they work. Insurance agencies are classified as either independent (non-exclusive) or exclusive. Both properly insure your vehicles, but we need to point out how they differ since it could factor into the type of agent you choose.
Exclusive Agents
Exclusive agents can only quote rates from one company and some examples include AAA, Allstate, and State Farm. Exclusive agencies are unable to compare other company’s rates so always compare other rates. Exclusive agencies receive extensive training on sales techniques and that allows them to sell at a higher price point. Some insured continue to purchase coverage from exclusives mainly due to the brand legacy and strong financial ratings.
Listed below is a list of exclusive agencies in Irvine who may provide you with price quote information.
- John Luithly – State Farm Insurance Agent
16277 Laguna Canyon Rd F – Irvine, CA 92618 – (949) 727-4442 – View Map - State Farm: Richard Tay
14210 Culver Dr A – Irvine, CA 92604 – (949) 559-8866 – View Map - Farmers Insurance
4000 Barranca Pkwy # 250 – Irvine, CA 92604 – (949) 262-3238 – View Map
Independent Agencies or Brokers
Independent agents are not required to write business for one company and that enables them to quote your coverage with an assortment of companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to do anything.
When comparison shopping, you definitely need to get several quotes from at a minimum one independent agency to have the best price comparison. A lot of them also have access to smaller mutual companies that may have much lower rates than larger companies.
The following are Irvine independent insurance agencies who can help you get rate quotes.
- Lockton Insurance Brokers
19800 MacArthur Blvd #1250 – Irvine, CA 92612 – (949) 252-4400 – View Map - Isu Insurance Services Irvine
18022 Cowan Ste 225 – Irvine, CA 92614 – (949) 419-2100 – View Map - Hays Co
18201 Von Karman Ave # 510 – Irvine, CA 92612 – (949) 442-7662 – View Map
More quotes mean more car insurance savings
You just read some good ideas how to find affordable Chevy Camaro insurance in Irvine. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding cheaper Irvine auto insurance quotes. You may even be surprised to find that the most savings is with a smaller regional carrier.
When getting Irvine auto insurance quotes online, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability coverage limits and discovered at claim time they didn’t have enough coverage. The goal is to buy a smart amount of coverage at the best price.
The cheapest Chevy Camaro insurance in Irvine is attainable on the web in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer price quotes online and usually these smaller providers sell through independent insurance agencies.
Steps to quoting cheaper Chevy Camaro insurance in Irvine
Really, the only way to get more affordable Chevy Camaro insurance in Irvine is to regularly compare quotes from providers who sell insurance in California.
- First, it will benefit you to learn about how insurance companies determine prices and the changes you can make to prevent high rates. Many risk factors that result in higher prices like traffic citations, accidents, and an imperfect credit score can be rectified by making minor changes in your lifestyle.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO and Allstate, while independent agencies can quote prices from many different companies.
- Third, compare the new rate quotes to the price on your current policy and see if there is a cheaper rate in Irvine. If you can save money, ensure coverage does not lapse between policies.
One important bit of advice is to use similar deductibles and liability limits on each price quote and and to analyze as many different insurance providers as possible. Doing this provides the most accurate price comparison and and a good selection of different prices.
For more information, take a look at the following helpful articles:
- Anti-Lock Brake FAQ (iihs.org)
- How Much is Auto Insurance for High Risk Drivers in Irvine? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)