View 1991 Dodge Monaco Car Insurance Rates

Trying to find cheaper insurance rates for your Dodge Monaco? Searching for cheaper insurance for a Dodge Monaco can be an all-consuming task, but you can learn our insurance buying tips to save time.

There are more efficient ways to shop for insurance so we’re going to tell you the best way to quote coverages for your Dodge and obtain the lowest price from both online companies and local agents.

It’s a good idea to compare premium rates on a regular basis since insurance prices are variable and change quite frequently. Just because you had the lowest price on Monaco coverage at your last renewal there may be better deals available now. Ignore everything you know about insurance because it’s time to teach you one of the best ways to remove unneeded coverages and save money.

Discounts to earn cheap auto insurance rates

Auto insurance is not an enjoyable expense, but you may find discounts that can help lower your rates. Most are applied when you purchase, but occassionally some discounts must be asked about before being credited.

• Student Discounts – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
• Driver Training Discounts – Taking time to complete a class that teaches defensive driver techniques could possibly earn you a 5% discount and make you a better driver.
• Low Mileage Discounts – Driving fewer miles could qualify for discounted auto insurancerates on garaged vehicles.
• Safe Drivers – Drivers who avoid accidents can save as much as half off their rates on Monaco coverage than their less cautious counterparts.
• Government Employees – Federal government employees could qualify for a slight premium decrease on Monaco coverage depending on your company.
• Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
• Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.

As a footnote on discounts, many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

To choose insurers with discount rates, follow this link.

Which insurance is cheapest?

Reducing your 1991 Dodge Monaco insurance rates is actually easier than you may think. The only thing you need to do is take time to get quotes to find the company with affordable auto insurance quotes. This can be accomplished using a couple different methods.

1. One of the best ways consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do repetitive form entry for each company. One quote request compares rates from insurance companies with the best prices.It’s the quickest way to get rates.
2. A less efficient way to get comparison quotes consists of visiting the website for each individual company to complete their respective quote request forms. For instance, we’ll pretend you want to get rates from Auto-Owners, Safeco and Farmers. To get each rate you have to spend time going to each site individually and repeatedly type in your coverage information, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.

Take whichever approach you prefer, but make sure you are using apples-to-apples coverage limits on every quote you get. If you compare different deductibles you will not be able to determine which rate is truly the best.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

For example, these questions may help you determine whether you would benefit from professional advice.

• Is my 1991 Dodge Monaco covered for flood damage?
• What is covered by UM/UIM coverage?
• Do I have coverage if my license is suspended?
• Is business equipment covered while in my vehicle?
• Is my teen driver covered when they drive my company car?
• Should I get collision insurance on every vehicle?
• Can I afford to pay high deductible claims out of pocket?
• Is pleasure use cheaper than using my 1991 Dodge Monaco to commute?
• Will my rates increase for filing one claim?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, a tree branch falling on your vehicle, theft and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – Collision coverage will pay to fix damage to your Monaco from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, chiropractic care, pain medications and hospital visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverage – This coverage will cover injuries or damage you cause to people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like attorney fees, bail bonds, funeral expenses, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

In any little way, save everyday

Some insurance companies may not provide online rate quotes and these small insurance companies prefer to sell through independent insurance agents. Cost effective 1991 Dodge Monaco insurance is definitely available both online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from.

Throughout this article, we presented many ideas to lower your 1991 Dodge Monaco insurance prices. The key thing to remember is the more you quote auto insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest prices are with the least-expected company.

Consumers switch companies for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, policy non-renewal or even not issuing a premium refund. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.

For more information, take a look at the following helpful articles:

• State Car Insurance Guides (Geico)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Auto Theft Statistics (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)