1996 Chevrolet Monte Carlo Insurance Quotes – 8 Tips for Cheaper Rates
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UPDATED: Feb 7, 2020
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Looking for lower insurance rates for your Chevrolet Monte Carlo? Are you overwhelmed by the crazy number of insurance companies? You have a lot of company. Consumers have so many companies to choose from that it can turn into a real hassle to compare prices.
How to Compare Insurance Coverage Costs
There are several ways you can shop for Chevy Monte Carlo insurance coverage but one way is less labor-intensive and much quicker. You can waste hours talking about coverages with local insurance agents in your area, or you can stay home and use online quoting for quick rates.
Many insurance companies take part in a program that enables customers to enter their coverage request one time, and every company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions to each individual insurance coverage company.
To find out how much you’re overpaying now click here to open in new window.
The one disadvantage to comparing rates this way is you can’t choose which providers to get pricing from. So if you prefer to pick from a list of companies to request quotes from, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.
Whichever method you choose, make darn sure you compare apples-to-apples coverage information on every quote. If you compare differing limits it will be impossible to truly determine the lowest rate. Slightly different insurance coverages could mean much higher rates. Keep in mind that having more price comparisons helps locate better pricing.
The fine print in auto insurance ads
Auto insurance companies such as 21st Century, Allstate and State Farm regularly use television and radio advertisements. They all seem to make the same claim that you’ll save big if you move your coverage to them. How do they all make almost identical claims?
Different companies are able to cherry pick for the type of customer they prefer to insure. For instance, a driver they prefer might be profiled as over the age of 50, has no driving citations, and chooses high deductibles. Any new insured that hits that “sweet spot” will qualify for the lowest rates and most likely will save when switching.
Consumers who don’t measure up to the “perfect” profile will be quoted higher premiums and ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that much. That is how insurance companies can claim big savings.
This emphasizes why it’s extremely important to get a wide range of price quotes. You cannot predict which insurance companies will fit your personal profile best.
Discounts on 1996 Chevy Monte Carlo insurance
Insuring your fleet can be pricey, buy you may qualify for discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be asked for prior to getting the savings.
- No Claims – Drivers who don’t have accidents can save substantially compared to drivers who are more careless.
- Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
- Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
- Low Mileage Discounts – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
- Paperwork-free – A few companies give back up to $50 for buying your policy on their website.
- New Car Discount – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
- Pay Now and Pay Less – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Seat Belt Usage – Requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
Consumers should know that most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will reduce the cost of coverage.
To see a list of insurers with discount auto insurance rates, click here.
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Tailor your coverage to you
When choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.
For instance, these questions may help highlight if your insurance needs might need professional guidance.
- What is the minimum liability in my state?
- Do I need roadside assistance coverage?
- Do I need replacement cost coverage on my 1996 Chevy Monte Carlo?
- Where can I find DUI or SR-22 insurance?
- Should I rate my 1996 Chevy Monte Carlo as pleasure use or commute?
- How much underlying liability do I need for an umbrella policy?
- Why am I required to buy high-risk coverage?
If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.
Auto insurance coverages
Learning about specific coverages of car insurance can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.
Uninsured Motorist or Underinsured Motorist insurance
This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy Monte Carlo.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.
Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims like pain and suffering, medical services and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.
Comprehensive coverage (or Other than Collision)
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like rock chips in glass, hitting a bird, damage from getting keyed and a broken windshield. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like chiropractic care, X-ray expenses, EMT expenses and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverage protection
Collision insurance will pay to fix damage to your Monte Carlo resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like driving through your garage door, crashing into a building, rolling your car, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.
Do the work, save more money
You just learned many ways to compare 1996 Chevy Monte Carlo insurance prices online. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. You may even find the best prices are with the smaller companies.
While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best price.
Affordable insurance is possible from both online companies and with local insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.
More information can be found on the following sites:
- Tread Depth and Tire Safety (State Farm)
- Parking Tips to Reduce Door Dings (State Farm)
- Medical Payments Coverage (Liberty Mutual)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Avoiding Deer Collisions (Insurance Information Insitute)
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