Cheap 1997 Chevrolet Monte Carlo Car Insurance Rates

Searching for the cheapest car insurance rates? Consumers have lots of choices when looking for affordable Chevy Monte Carlo insurance. You can either spend your time struggling with agents to get rate comparisons or save time using the internet to get rate quotes. There is a better way to shop for car insurance so you’re going to learn the best way to price shop coverage for a Chevy and locate the lowest possible price from local insurance agents and online providers.

If you have a policy now or are shopping for new coverage, you can use these techniques to shop for the lowest rates and still get good coverage. This article will familiarize you with how to get online quotes and some tricks to saving. Vehicle owners only need to know the proper methods to shop their coverage around over the internet.

Lower rate quotes by getting discounts

Buying car insurance is not cheap, but there’s a good chance there are discounts to help bring down the price. Certain discounts will be applied when you complete an application, but less common discounts must be manually applied before they will apply.

• Homeowners Pay Less – Simply owning a home can save a few bucks since home ownership means you have a higher level of financial diligence.
• Mature Driver Discount – If you’re over the age of 55, you could receive a discount up to 10% for Monte Carlo coverage.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy a life insurance policy as well.
• Drivers Ed for Students – Require your teen driver to enroll in driver’s education as it will make them better drivers and lower rates.
• Paperwork-free – A few car insurance companies may give you up to $50 simply for signing on their website.
• Government Employees – Having worked for a branch of the government could cut as much as 10% off for Monte Carlo coverage with select insurance companies.

Keep in mind that some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.

To locate insurers that can offer you the previously mentioned discounts, click here to view.

How to compare insurance quotes

Getting a cheaper price on 1997 Chevy Monte Carlo insurance is pretty simple and can save money. All you need to do is spend a few minutes on the computer comparing free auto insurance quotes to find the company with low cost auto insurance quotes. This can be accomplished in a couple of different ways.

If you’re in a hurry, the quickest way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating separate quote forms for every company. Completing one form will return price quotes from all major companies. It’s the fastest way to compare.

A slightly less efficient method to analyze rates is going to each individual company website and repeat the quote process again and again. For instance, we’ll pretend you want to compare State Farm, 21st Century and American Family. To find out each rate you need to spend time going to each site individually and punch in your information repeatedly, which can get old fast.

For a list of links to companies insuring cars in your area, click here.

Take whichever approach you prefer, but be certain you are entering the exact same quote information for each quote you get. If you have different deductibles it’s impossible to make an equal comparison.

Your auto insurance coverage should be tailored to you

When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions might help in determining whether or not you might need an agent’s assistance.

• Do I have coverage when making deliveries for my home business?
• Do I need roadside assistance coverage?
• Why am I required to buy high-risk coverage?
• Can I get a multi-policy discount?
• Does coverage extend to my business vehicle?
• How much liability insurance is required?
• Is there coverage for injuries to my pets?
• When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Educate yourself about auto insurance coverages

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This will pay to fix damage to your Monte Carlo caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane, rock chips in glass, hitting a bird and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

Liability insurance will cover damage or injury you incur to people or other property. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like medical expenses, loss of income, legal defense fees, structural damage and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Monte Carlo.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like funeral costs, nursing services and hospital visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Buy online or local, you save

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy enough coverage at the best possible price while still protecting your assets.

Some insurance companies don’t offer online rate quotes and these regional insurance providers prefer to sell through independent agencies. More affordable insurance can be found from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

In this article, we presented many ways to shop for 1997 Chevy Monte Carlo insurance online. The key concept to understand is the more you quote auto insurance, the better your comparison will be. Consumers may even find the lowest premium rates are with some of the smallest insurance companies.

Other learning opportunities

• Parking Tips to Reduce Door Dings (State Farm)
• Medical Payments Coverage (Liberty Mutual)
• What is Full Coverage? (Allstate)
• Auto Crash Statistics (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)