Trying to find low-cost auto insurance rates in Houston, TX? Houston buyers have a choice when searching for the lowest priced Chevy Camaro insurance. You can either spend your time calling around trying to get quotes or use the internet to compare rates. There are both good and bad ways to buy auto insurance so we’re going to tell you the proper way to compare rates on a Chevy and find the lowest possible price either online or from Houston insurance agents.
Locating the best rates in Houston is not that difficult. If you currently have insurance, you will be able to lower your rates using these tips. Shoppers just have to know the most effective way to quote multiple rates using one simple form.
Getting a more affordable price on insurance is actually quite simple. You just need to spend a few minutes on the computer comparing free Houston car insurance quotes from online providers.
The companies shown below are ready to provide free quotes in Texas. If multiple companies are shown, it’s highly recommended you visit several of them to find the most competitive car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $286 | $572 | $400 | $24 | $120 | $1,402 | $117 |
| Camaro LT | $318 | $660 | $496 | $30 | $148 | $1,652 | $138 |
| Camaro SS | $196 | $414 | $430 | $26 | $128 | $1,194 | $100 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in zip code location which can decrease or increase prices substantially.
Auto insurance rates based on gender
The chart below visualizes the comparison of Chevrolet Camaro auto insurance rates for male and female drivers. The information is based on no claims or driving violations, full coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.
Rate comparison for different deductibles
One common question asked by Houston drivers is the level to set your comp and collision deductibles. The following tables summarize the rate differences between low and high physical damage deductibles. The first rate estimation uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Camaro LT | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Camaro SS | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Camaro LT | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Camaro SS | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| 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 homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can impact coverage rates greatly.
Using the premium rates above, we can conclude that using a $250 deductible costs an average of $32 more each month or $384 each year than buying 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 tend to average at least 23 months between claims, you would most likely save money if you elect the higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $125 |
| Average monthly premium for $1,000 deductibles (subtract): | – $93 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
One thing to be aware of is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket if you have a claim. It will be required that you have some extra savings in order to pay more to get your vehicle repaired.
Bad driving habits will cost you more
The chart below shows how traffic citations and at-fault fender-benders increase Chevrolet Camaro insurance costs for different categories of driver ages. The costs are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Three reasons insurance is important
Even though it’s not necessarily cheap to insure a Chevy in Houston, insuring your vehicle is required for several reasons.
- Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability coverage if you want to drive legally. 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 have a loan on your Camaro, most lenders will have a requirement that you have full coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Chevy at a significantly higher premium and require you to pay for the expensive policy.
- Insurance preserves both your vehicle and your assets. It will also pay for medical transport and hospital expenses that are the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying insurance more than cancel out the cost, especially for larger claims. The average driver in America is currently overpaying as much as $750 every year so shop around at every policy renewal to ensure rates are competitive.
Insurance policy discounts for Chevy Camaro insurance in Houston
Insurance is not an enjoyable expense, but you may find discounts to cut the cost considerably. Some of these discounts will be visible at quote time, but some may not be applied and must be asked for before being credited.
- Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
- Discount for Home Ownership – Being a homeowner can get you a discount because of the fact that having a home demonstrates responsibility.
- Auto/Home Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you may save 10% to 20% off each policy.
- First Accident Forgiveness – Not a discount per se, but certain companies will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free before the accident.
- Mature Driver Discount – If you qualify as a senior citizen, you are able to get reduced rates.
A quick disclaimer, many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. Even though it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
Some of the larger companies who may offer these benefits include:
If you want affordable Chevrolet Camaro insurance quotes, ask every company which discounts can lower your rates. Savings might not be offered on policies in Houston. To choose providers that offer some of these discounts in Texas, click here to view.
Which policy gives me the best coverage?
When selecting a policy, there isn’t really a “best” method to buy coverage. You are unique and a cookie cutter policy won’t apply.
For instance, these questions may help you determine whether or not you might need professional guidance.
- How much liability do I need to cover my assets?
- I don’t drive much so do I pay less?
- Can I still get insurance after a DUI?
- Is my teen driver covered when they drive my company car?
- Should I rate my Chevy Camaro as pleasure use or commute?
- When should my teen driver be added to my policy?
- Which companies are cheaper for teen drivers?
- Which companies will insure high-risk drivers?
- What does roadside assistance cover?
- Can I afford to buy a different vehicle if my Chevy Camaro is totaled?
If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
Car insurance agents can help
Certain consumers would prefer to buy from a local agent and that is just fine! Good agents can point out coverage gaps and help submit paperwork. A good thing about comparing rate quotes online is that you can obtain cheap rate quotes and still have a local agent.
After completing this short form, your insurance data gets sent to agents in your area that provide free Houston car insurance quotes for your insurance coverage. It’s much easier because you don’t need to contact any agents because prices are sent to you. If for some reason you want to get a price quote from a particular provider, don’t hesitate to go to their quote page and fill out the quote form the provide.
Finding the right insurance company requires you to look at more than just a low price. The following questions are important to ask.
- Is there any savings for paying the full premium?
- Is every driver in your family covered?
- Can they provide you with a list of referrals?
- Which companies do they recommend if they are an independent agency?
- How many years of experience in personal auto insurance do they have?
- How long have they been in business?
- How much will you save each year by using a higher deductible?
Pick the best car insurance agent in Houston for you
If you want to use a reliable insurance agent, you must know there are a couple different types of agents and how they work. Insurance agencies in Houston can be described as either independent or exclusive depending on the company they work for. Either one can do a good job, but it is a good idea to know how they differ because it can factor into buying decisions.
Exclusive Insurance Agencies
Agents of this type generally can only insure with one company and examples are American Family, State Farm, and Allstate. Exclusive agents cannot provide rate quotes from other companies so they really need to provide good service. They are usually quite knowledgeable in insurance sales which helps overcome the inability to quote other rates. Some people will only buy from the same agent for years mostly because of the brand name instead of buying on price only.
Shown below are Houston exclusive agents who may provide you with price quotes.
- Scott McNab – State Farm Insurance Agent
1005 Waugh Dr b – Houston, TX 77019 – (713) 520-5556 – View Map - Donald Malveaux – State Farm Insurance Agent
12001 Richmond Ave #6 – Houston, TX 77082 – (281) 679-7155 – View Map - Allstate Insurance: Harris County Insurance Agency
13030 Woodforest Blvd b – Houston, TX 77015 – (713) 451-5716 – View Map
Independent Agents (or Brokers)
These type of agents are not employed by one company so they can write business with an assortment of companies and help determine which has the cheapest rates. If your agent finds better pricing, the business is moved internally and you don’t have to do anything. If you are comparing rate quotes, it’s recommended you include rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most have the option of insuring with small regional insurance companies who may have lower rates.
The following are independent agencies in Houston who can help you get price quotes.
- Cornerstone Insurance Agency
24301 Brazos Town Crossing – Rosenberg, TX 77471 – (979) 553-4343 – View Map - Suzanne Brown Agency-Insurance
11999 Katy Fwy #635 – Houston, TX 77079 – (281) 558-2210 – View Map - AAIGOT Insurance Agency Inc.
6633 Hillcroft St #101 – Houston, TX 77081 – (713) 270-9373 – View Map
Specifics of your auto insurance policy
Having a good grasp of your policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like doctor visits, funeral costs and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Chevy Camaro.
Due to the fact that many Texas drivers only purchase the least amount of liability that is required (30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Collision coverage
This pays for damage to your Camaro caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like backing into a parked car, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible on your Camaro to save money on collision insurance.
Comprehensive coverage
This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as damage from a tornado or hurricane, damage from flooding and rock chips in glass. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Auto liability
Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 30/60/25 which stand for $30,000 in coverage for each person’s injuries, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged property.
Liability coverage protects against claims such as legal defense fees, pain and suffering, repair bills for other people’s vehicles, bail bonds and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.
Final considerations
Some insurance providers don’t offer online quoting and usually these smaller providers sell through independent agencies. Cheap Chevy Camaro insurance in Houston can be bought on the web and from local agencies, so you need to compare both in order to have the best chance of saving money.
As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There are too many instances where an accident victim reduced full coverage and discovered at claim time that the small savings ended up costing them much more. Your goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.
More detailed auto insurance information is located at these sites:
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Teen Driving Statistics (GEICO)
- Alcohol Impaired Driving FAQ (iihs.org)
- What is Gap Insurance? (Insurance Information Institute)