Chevrolet Chevrolet Monte-Carlo Insurance Rates
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UPDATED: Feb 7, 2020
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Shopping for the cheapest insurance coverage on the internet can seem to be impossible for beginners to comparing rates online. With so many insurers to choose from, how can anyone even start to compare every one to find the lowest rates?
It’s a great practice to compare prices yearly since rates tend to go up over time. Even if you got the best price on Monte Carlo insurance a year ago you may be paying too much now. Starting right now, ignore everything you know about insurance coverage because it’s time to teach you the proper way to find better rates and still maintain coverage.
If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. This article will tell you how to effectively get price quotes and some tips to save money. But car owners should learn how companies sell online because it can help you find the best coverage.
How to Compare Insurance Rates
There are a variety of methods to shop for 1998 Chevy Monte Carlo insurance, and some are easier and takes less work. You could spend your day driving to insurance companies in your area, or you could use the web to get the quickest rates.
Most of the larger companies belong to an insurance system that enables customers to enter their coverage request one time, and at least one company returns a competitive quote. This saves time by eliminating repetitive form submissions for every insurance company.
To enter your information into the quoting system, click here to open in new window.
One minor caviat to using this type of system is buyers cannot specifically choose the companies to get pricing from. So if you want to select individual companies to compare rates, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.
It’s up to you which method you use, but make absolute certain that you use exactly the same coverage limits and deductibles for every quote you compare. If the quotes have unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Chevy Monte Carlo. Having just a slight variation in coverage limits can make a big difference in price. And when price shopping your coverage, comparing more company’s prices will enable you to find the best rates.
Save on 1998 Chevy Monte Carlo insurance
Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically when you quote, but less common discounts must be asked for before you get the savings.
- Safe Drivers – Insureds without accidents can pay as much as 50% less on Monte Carlo insurance than drivers with accidents.
- E-sign – Certain companies will discount your bill up to fifty bucks simply for signing online.
- Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
- Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.
- Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Monte Carlo insurance with a few auto insurance companies.
- One Accident Forgiven – Certain companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
- Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
- No Claims – Claim-free drivers can save substantially when compared to drivers who are more careless.
- Save with a New Car – Adding a new car to your policy can save up to 30% since new cars are generally safer.
A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you could get a free auto insurance policy, it just doesn’t work that way. Any amount of discount will reduce your premiums.
For a list of insurers offering auto insurance discounts, click this link.
Tailor your coverage to you
When it comes to choosing the best car insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.
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These are some specific questions might help in determining whether or not you might need an agent’s assistance.
- Should I carry comprehensive and collision coverage?
- Is other people’s property covered if stolen from my vehicle?
- How can I find cheaper teen driver insurance?
- Can I get a multi-policy discount?
- Where can I find high-risk insurance?
- Should I waive the damage coverage when renting a car?
- Can my teen drive my company car?
- I don’t drive much so do I pay less?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Auto insurance coverage specifics
Knowing the specifics of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers claims like court costs, medical expenses, emergency aid and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.
Comprehensive auto insurance
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as vandalism, damage from flooding, a broken windshield, hitting a deer and falling objects. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Chevy Monte Carlo.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.
Collision coverage protection
Collision coverage pays for damage to your Monte Carlo caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like sustaining damage from a pot hole, colliding with a tree, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Coverage for medical expenses
Coverage for medical payments and/or PIP pay for short-term medical expenses for nursing services, prosthetic devices, dental work and hospital visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible
Take this to the bank
As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your strategy should be to buy enough coverage at the best price while still protecting your assets.
We’ve covered many ideas to lower your 1998 Chevy Monte Carlo insurance rates. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from an unexpected company.
Consumers leave their current company for a variety of reasons including questionable increases in premium, policy cancellation, policy non-renewal and delays in paying claims. No matter why you want to switch, finding the right auto insurance provider can be less work than you think.
Much more information about auto insurance is located at these links:
- What Does No-Fault Insurance Cover? (Allstate)
- Car Insurance: When not to Skimp (BankRate.com)
- Shopping for a Safe Car (Insurance Information Insitute)
- Where can I buy Insurance? (Insurance Information Insitute)
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