Cheaper 1999 Chevrolet Monte Carlo Insurance Quotes

Looking for cheaper insurance coverage rates for your Chevrolet Monte Carlo? Finding cheaper insurance for your Chevy Monte Carlo could be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to buy insurance coverage and we’ll show you the best way to quote coverages for a Chevy and find the best price possible either online or from local insurance agents.

Chevy Monte Carlo rates are in the details

Smart consumers have a good feel for the factors that go into determining the rates you pay for insurance coverage. Knowing what influences your rates helps enable you to make changes that can help you get big savings.

  • Multiple policies with one company can save – Many insurance companies give discounts to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to ensure the best deal.
  • Low deductibles can be expensive – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Chevy from damage. Examples of covered claims would be running into the backend of another car, collision with an animal, or theft. Your deductibles are the amount of money you are required to spend in the event of a claim. The more expense you’re willing to pay, the less your company will charge you for insurance for Monte Carlo coverage.
  • Where do you drive? – Driving more miles every year the higher your rate. Most companies apply a rate based on their usage. Vehicles that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your insurance coverage coverage properly reflects the proper vehicle usage. If your policy improperly rates your Monte Carlo can result in significantly higher rates.
  • Traffic violations increase rates – Your driving record has a huge affect on how much you pay. Even a single moving violation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than bad drivers. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to continue driving.
  • Where you live can impact rates – Being located in a rural area is a positive aspect when it comes to insurance coverage. City drivers tend to have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Keep rates low by being claim-free – Auto insurance companies give better rates to policyholders who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is designed for the large, substantial claims.

Cheap Insurance Comparisons

Comparing insurance rates can take time and effort if you don’t understand the most efficient way. You can spend your afternoon driving to local insurance agents in your area, or you can utilize the web to quickly compare rates.

Most car insurance companies participate in an industry program that enables customers to complete one form, and each participating company can provide price quotes determined by their information. This eliminates the need for repetitive form submissions for each company you want a rate for.

To compare pricing click here to open in new window.

The one disadvantage to doing it this way is you are unable to specify the insurers you want pricing from. So if you prefer to choose specific insurance companies to compare rates, we have a listing of insurance companies in your area. Click here to view list.

Which method you use is up to you, but make sure you use the exact same deductibles and coverage limits for every company. If each company quotes unequal deductibles or liability limits it’s impossible to truly determine the lowest rate.

Drivers who switch save $482 a year? Really?

Consumers constantly see and hear ads for the lowest price auto insurance by Progressive, Allstate and GEICO. They all seem to make the same claim that you can save if you move to their company.

How does each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the type of driver they prefer to insure. An example of a profitable customer could be over the age of 40, insures multiple vehicles, and drives newer vehicles. A driver who fits that profile gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t qualify for these standards will be charged a more expensive rate and this can result in the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can make those claims.

That is why it is so important to get as many comparisons as possible. Because you never know the company that will give you the biggest savings on Chevy Monte Carlo insurance.

Discounts are basically free money

Properly insuring your vehicles can get expensive, but there are discounts available to cut the cost considerably. A few discounts will automatically apply when you complete an application, but a few must be inquired about before they will apply. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Drivers Education – Require your teen driver to enroll in driver’s education if offered at their school.
  • Homeowners Discount – Owning a house may earn you a small savings because maintaining a house requires personal responsibility.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Paperwork-free – A few companies may give you up to $50 for buying your policy on their website.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.

Consumers should know that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will help reduce your overall premium however.

To see a list of insurers who offer insurance coverage discounts, follow this link.

Which insurance is the “right” coverage?

When choosing coverage, there is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • Does coverage extend to Mexico or Canada?
  • Why is insurance for a teen driver so high?
  • Where can I find high-risk insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I have coverage when making deliveries for my home business?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • I have health insurance so do I need medical payments coverage?
  • What discounts do I qualify for?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle, vandalism and hitting a deer. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance – This provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as bail bonds, legal defense fees, court costs and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like nursing services, ambulance fees, X-ray expenses and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Online plus local equals savings

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where drivers have reduced physical damage coverage to discover at claim time that they should have had better coverage. Your focus should be to buy enough coverage for the lowest price, not the least amount of coverage.

Lower-priced 1999 Chevy Monte Carlo insurance can be purchased online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We covered many tips how you can lower your insurance rates. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest priced auto insurance comes from a small mutual company.

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