2003 Chevrolet Monte Carlo Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 7, 2020

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Trying to find cheaper insurance coverage rates for your Chevrolet Monte Carlo? Finding the best price on insurance coverage can be difficult if you have never used online quoting. But don’t let that discourage you because online price shopping is actually quite simple.

You need to compare prices once or twice a year since rates are variable and change quite frequently. Despite the fact that you may have had the best deal on Monte Carlo coverage on your last policy the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance coverage online, so I’m going to show you a lot of great tips on how to reduce your insurance coverage bill.

Finding Insurance Coverage

Shopping for lower insurance coverage rates can take hours if you don’t know the most efficient way to do it. You can waste a lot of time discussing policy coverages with agents in your area, or you could use online quotes to get pricing more quickly.

Most major companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each participating company can give them a price. This system prevents you from having to do quote requests to every company.

To use this form to compare 2003 Chevy Monte Carlo insurance rates click here to open in new window.

The only downside to comparing rates this way is that consumers can’t choose which insurance companies to receive prices from. So if you want to choose individual companies for rate comparison, we have a page of low cost insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but compare identical coverage limits for every quote you compare. If your comparisons have different deductibles it’s not possible to decipher which rate is best. Having just a slight variation in coverage limits could mean much higher rates. Keep in mind that quoting more helps you find a lower rate.

Are you getting all your discounts?

Companies offering auto insurance do not advertise every discount in an easy-to-find place, so we break down both well-publicized and the harder-to-find ways to save on auto insurance.

  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Senior Discount – If you qualify as a senior citizen, you may receive better auto insurance rates on Monte Carlo coverage.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Federal Employees – Active or retired federal employment may qualify you for a discount on Monte Carlo coverage with a few auto insurance companies.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.
  • Clubs and Organizations – Belonging to a civic or occupational organization is a good way to get lower rates when buying auto insurance on Monte Carlo coverage.
  • College Student – Children who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.

As a disclaimer on discounts, many deductions do not apply the whole policy. A few only apply to individual premiums such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

For a list of insurance companies who offer auto insurance discounts, click here to view.

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Tailor your coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if you might need an agent’s assistance.

  • What is the rate difference between pleasure use and commuting?
  • What is no-fault insurance?
  • Does having multiple vehicles earn me a discount?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when using my vehicle for business?
  • Should I have a commercial auto policy?
  • Can my babysitter drive my car?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as dental work, EMT expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Monte Carlo.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for collisions

This covers damage to your Monte Carlo resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability insurance

This provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as emergency aid, medical expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, a broken windshield and damage from flooding. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

A penny saved is a penny earned

Cost effective 2003 Chevy Monte Carlo insurance is definitely available online and also from your neighborhood agents, so you should compare both to get a complete price analysis. There are still a few companies who may not provide online price quotes and most of the time these smaller companies sell through independent agents.

Consumers leave their current company for any number of reasons including denial of a claim, delays in responding to claim requests, an unsatisfactory settlement offer or even not issuing a premium refund. No matter why you want to switch, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

When you buy insurance online, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced physical damage coverage only to regret they didn’t have enough coverage. The aim is to find the BEST coverage for the lowest price while not skimping on critical coverages.

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