It takes a few minutes, but the best way to get the cheapest Chevy Camaro insurance in Dallas is to compare prices once a year from companies that insure vehicles in Texas. Prices can be compared by completing these steps.
- First, get an understanding of how your policy works and the steps you can take to keep rates down. Many rating criteria that cause high rates like getting speeding tickets and poor credit history can be remedied by making small lifestyle or driving habit changes.
- Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while independent agencies can give you price quotes from multiple companies. View a list of agents
- Third, compare the new rates to your current policy premium and determine if there is any savings. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
One piece of advice is to compare identical limits and deductibles on every quote request and and to get prices from as many carriers as you can. Doing this guarantees an apples-to-apples comparison and and a good selection of different prices.
It’s easy to assume that car insurance companies don’t want customers comparing rates. Drivers who get price comparisons will presumably switch to a new company because the odds are good of getting low-cost coverage. A recent auto insurance study revealed that consumers who routinely compared rates saved $865 a year compared to drivers who never compared other company’s rates.
If finding the lowest price on Chevy Camaro insurance is your objective, understanding the best way to compare car insurance can make it easier to find better rates.
Locating the best rates in Dallas is much easier if you have a good place to start. In a nutshell, each driver who carries insurance will probably be able to save money. Although Texas consumers need to have an understanding of the way companies set your policy premium and use it to your advantage.
To find cheaper prices, there are a couple of ways to get quotes from many available auto insurance companies in Texas. The best method to find the lowest Chevy Camaro rates consists of obtaining rate quotes online.
Online shopping is fast and free, and it makes it obsolete to call or drive to each insurance agency near you. Buying insurance online eliminates this option unless you have a complicated situation and need the extra assistance that you can only get from talking to an agent. If you prefer, some companies allow you to find lower rates online and have a local agent actually service the policy.
Just keep in mind that getting more free quotes increases the chance that you will find the best price.
The companies shown below provide price comparisons in Texas. If multiple providers are shown, we suggest you compare several of them to find the most affordable auto insurance rates.
Chevy Camaro coverage analysis
The price information displayed next highlights estimates of insurance policy prices for Chevy Camaro models. Learning a little about how car insurance prices are formulated can be of help when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $358 | $684 | $388 | $24 | $116 | $1,570 | $131 |
| Camaro LT | $358 | $684 | $388 | $24 | $116 | $1,570 | $131 |
| Camaro SS | $400 | $788 | $388 | $24 | $116 | $1,716 | $143 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price information does not factor in vehicle location which can increase or decrease prices greatly.
Analysis of deductible levels
A question often asked by Dallas drivers is how high or low should comp and collision deductibles be. The following tables highlight how much more you’ll pay between high and low physical damage deductibles. The first data table uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Camaro LT | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Camaro SS | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Camaro LT | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Camaro SS | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price information does not factor in garaging location in Dallas which can decrease or increase premium rates considerably.
Based on this data, using a $100 deductible costs an average of $30 more each month or $360 annually than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 13 months between claim filings, you would save more money by selecting a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $138 |
| Average monthly premium for $500 deductibles (subtract): | – $108 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
One big caveat is that raising deductibles to save money results in more money out-of-pocket when you have a physical damage claim. That will force you to have enough money in the bank in the event you have to pay the deductible for vehicle repair.
Drive responsibly or pay higher rates
The diagram below highlights how speeding tickets and at-fault collisions influence Chevy Camaro auto insurance rates for each age group. The data is based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
Difference between full coverage and liability only rates
The chart below compares Chevy Camaro premium costs with liability coverage only compared to full coverage. Data assumes no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
When to drop comprehensive and collision
There is no clear-cut rule for eliminating physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s say your Chevy Camaro replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If premiums are more than $200 a year to have full coverage, then you might want to think about dropping full coverage.
There are a few cases where buying only liability insurance is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
Buying the right Chevy Camaro insurance in Texas is an important decision
Even though it can be expensive, maintaining insurance serves a purpose in several ways.
- The majority of states have mandatory liability insurance requirements which means state laws require a minimum amount of liability in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your vehicle, most banks will stipulate that you carry insurance to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank will be required to insure your Chevy at an extremely high rate and require you to pay for it.
- Insurance protects both your vehicle and your assets. It will also cover medical expenses incurred in an accident. As part of your policy, liability insurance also covers legal expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance more than offset the price you pay, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is overpaying over $865 each year so compare rate quotes at every renewal to help ensure money is not being wasted.
Take advantage of these ten discounts on Chevy Camaro insurance in Dallas
Insurance is neither fun to buy or cheap, but you might find some hidden discounts that could drop your premiums quite a bit. Some of these discounts will be visible at quote time, but less common discounts must be requested specifically prior to receiving the credit.
- Student in College – Kids who attend college more than 100 miles from Dallas and won’t have access to an insured vehicle can be insured at a reduced rate.
- Telematics Data Discounts – Drivers that enable their company to scrutinize driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they show good driving skills.
- Student Discounts – Performing well in school may save you up to 25%. Many companies even apply the discount to college students up to age 25.
- Auto/Home Discount – If you can combine your auto and home policy with one company you may earn up to 20% off your total Camaro insurance premium.
- New Car Discount – Insuring a new Camaro is cheaper since new vehicles have better safety ratings.
- Employee of Federal Government – Having worked for a branch of the government can earn a discount up to 10% depending on your insurance provider.
- Discount for Life Insurance – Larger insurance carriers have a break if you buy some life insurance in addition to your auto policy.
- Senior Citizens – If you qualify as a senior citizen, you may be able to get reduced rates.
- Accident Free – Claim-free drivers pay less as compared to insureds who have frequent claims or accidents.
- Waiver for an Accident – This one isn’t a discount, but certain companies may permit one accident before raising your premiums if you have no claims for a specific time period.
We need to note that some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.
The chart below shows the comparison of Chevy Camaro insurance premiums with and without discounts applied. The information is based on a female driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, multi-policy, marriage, and homeowner discounts applied.
A partial list of companies that may offer quotes with most of the discounts above include:
When comparing rates, check with all the companies which discounts you qualify for. Depending on the company, some discounts may not be available in every state. To choose insurers with significant discounts in Dallas, click here to view.
Compare prices but buy from a local Dallas insurance agency
Certain consumers still prefer to sit down with an agent and that can be a great decision The best thing about comparing auto insurance online is you can get the best rates and still buy from a local agent.
After filling out this simple form, your information is sent to companies in Dallas that can give you free Dallas car insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact any insurance agencies due to the fact that quote results will go straight to your inbox. It’s the lowest rates without having to waste a lot of time. If you have a need to compare prices from one company in particular, don’t hesitate to navigate to their website and submit a quote form there.
Picking the best provider needs to be determined by more than just the premium amount. Any agent in Dallas should be forthright in answering these questions:
- Is coverage determined by price?
- Do the coverages you’re quoting properly cover your vehicle?
- Can you contact them at any time?
- Will your rates increase after a single accident?
- Do they regularly work with personal auto policies in Dallas?
- Does the company have a local claim office in Dallas?
- What is their Better Business Bureau rating?
- Is the agency involved in supporting local community causes?
If you prefer to buy auto insurance from local Dallas agents, there are two different agency structures and how they differ in how they can insure your vehicles. Auto insurance policy providers are considered either independent agents or exclusive agents.
Exclusive Agencies
Exclusive agencies can only quote rates from one company such as Farmers Insurance and State Farm. These agents are not able to place coverage with different providers so they have to upsell other benefits. Exclusive agents receive extensive training on sales techniques which helps them compete with independent agents.
Listed below is a list of exclusive agents in Dallas that can give you price quote information.
Larry Sandlin – State Farm Insurance Agent
4560 W Mockingbird Ln #120 – Dallas, TX 75209 – (214) 526-5227 – View Map
Scott Beseda – State Farm Insurance Agent
4411 Lemmon Ave #203 – Dallas, TX 75219 – (214) 219-6610 – View Map
Joe Pearce – State Farm Insurance Agent
9543 Losa Dr #111 – Dallas, TX 75218 – (214) 327-9315 – View Map
Independent Agents
Independent agents are not locked into one company and that gives them the ability to insure through many different auto insurance companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and the insured can keep the same agent.
When comparing auto insurance rates, you need to get quotes from at a minimum one independent agency to have the most options to choose from.
The following are independent agencies in Dallas that are able to give rate quotes.
Eves Insurance Agency
1318 Pioneer Dr – Dallas, TX 75224 – (214) 941-1300 – View Map
Sheaner Insurance, LLP
2501 Abrams Rd – Dallas, TX 75214 – (214) 823-3003 – View Map
Calema Insurance Agency
3021 Lombardy Ln #101 – Dallas, TX 75220 – (469) 341-7831 – View Map
Car insurance is unique, just like you
When buying coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.
For instance, these questions may help highlight if you will benefit from professional help.
- Am I getting all the discounts available?
- Can I get a multi-policy discount?
- What is the difference between personal and commercial auto insurance policies?
- What is PIP insurance?
- What is the minimum liability in Texas?
- Do I need more liability coverage?
- Why am I required to get a high-risk car insurance policy?
- Are there companies who specialize in insuring high-risk drivers?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.
Insurance coverages and their meanings
Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Chevy Camaro.
Because many people carry very low liability coverage limits (which is 30/60/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like rehabilitation expenses, surgery, doctor visits, EMT expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Collision insurance
Collision insurance pays for damage to your Camaro resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible on your Camaro to save money on collision insurance.
Liability
Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 30/60/25 that translate to a limit of $30,000 per injured person, $60,000 for the entire accident, and property damage coverage for $25,000.
Liability coverage protects against claims such as emergency aid, medical expenses, medical services, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.
The illustration below shows why buying low liability limits may not be adequate coverage.
Comprehensive coverage (or Other than Collision)
This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as a broken windshield, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
The lowest rates come from being thorough
Budget-conscious Chevy Camaro insurance is definitely available on the web as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not offer price quotes online and most of the time these smaller providers prefer to sell through local independent agencies.
We just showed you a lot of information how to lower your Chevy Camaro insurance prices in Dallas. The key thing to remember is the more price quotes you have, the higher your chance of finding low cost Dallas car insurance quotes. Drivers may even discover the lowest prices are with a small local company.
Insureds switch companies for a number of reasons such as denial of a claim, being labeled a high risk driver, unfair underwriting practices or even policy cancellation. It doesn’t matter what your reason, finding a new company can be easier than you think.
Much more information about auto insurance in Texas is located at these links:
- Older Drivers FAQ (iihs.org)
- Who Has Cheap Car Insurance Rates for Welfare Recipients in Dallas? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Jeep Grand Cherokee in Dallas? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- How to Avoid Common Accidents (State Farm)