1998 Chevrolet Monte Carlo Insurance Rates

Want cheaper car insurance rates for your Chevrolet Monte Carlo? If price shopping auto insurance quotes online is new to you, you may be overwhelmed by the sheer number of insurance providers competing for your business.

You should take the time to take a look at other company’s rates quite often due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the best price on Monte Carlo insurance last year a different company probably has better rates today. Don’t believe everything you read about car insurance online, but you can learn some proven techniques to save money.

Insurance Coverage Discounts

Buying insurance coverage is not cheap, but there may be some discounts that can dramatically reduce your bill. Some discounts will apply at the time of quoting, but lesser-known reductions have to be requested specifically before being credited. If they aren’t giving you every credit possible, you could be paying more than you need to.

• Telematics Data – Policyholders that allow their company to look at where and when they drive through the use of a telematics system such as State Farm’s In-Drive might see lower rates if they show good driving skills.
• Paperless Signup – Some larger companies will discount your bill up to fifty bucks for buying your policy on their website.
• Senior Discount – Mature drivers are able to get lower premium rates on Monte Carlo insurance.
• Low Mileage – Driving less can earn slightly better insurance coveragerates than normal.
• Seat Belt Discounts – Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Driver’s Ed – Require your teen driver to enroll in driver’s education if it’s offered in school.

We need to note that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

Large insurance coverage companies and their offered discounts can be found below.

• State Farm offers discounts for student away at school, safe vehicle, good student, driver’s education, accident-free, and good driver.
• American Family offers premium reductions for air bags, defensive driver, multi-vehicle, good student, and Steer into Savings.
• Geico includes discounts for multi-policy, anti-lock brakes, federal employee, membership and employees, military active duty, and emergency military deployment.
• 21st Century may include discounts for 55 and older, student driver, defensive driver, theft prevention, air bags, teen driver, and driver training.
• Progressive discounts include online signing, good student, multi-policy, multi-vehicle, online quote discount, and continuous coverage.

If you are trying to find inexpensive auto insurance quotes, ask all the companies which discounts can lower your rates. Some of the discounts discussed earlier may not apply everywhere.

Insurance quotes comparison

There are multiple methods to compare insurance prices but some are more efficient than others. You can waste hours talking about coverages with insurance companies in your area, or you can utilize the internet to achieve your goal.

Many of the larger companies belong to a marketplace that allows shoppers to enter their coverage request one time, and every company can provide price quotes based on that information. This system prevents you from having to do quotation requests for every insurance company.

To compare rates now click to open in new window.

The one disadvantage to getting quotes like this is you can’t choose the companies to get quotes from. If you wish to select specific providers to compare, we have a listing of low cost insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, try to keep exactly the same information on every quote you get. If you have different values for each quote it will be nearly impossible to determine the lowest rate for your Chevy Monte Carlo. Just a small difference in insurance coverages or limits may cause a big price difference. And when comparing insurance rates, know that comparing more rates from different companies helps you find more affordable insurance.

Informed drivers can lower their insurance costs

Smart consumers have a good feel for the rating factors that come into play when calculating your policy premiums. When you understand what influences your rates, this enables you to make decisions that will entitle you to better auto insurance rates. Multiple criteria are considered when you get your auto insurance bill. Most are fairly basic such as your driving history, but other criteria are not as apparent such as whether you are married or how safe your car is.

• Men pay higher prices – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better drivers. Males and females have accidents at a similar rate, but the men have costlier accidents. Not only are claims higher, but men get cited for more serious violations such as reckless driving.
• Bundle home and auto and save – Many auto insurance companies will award discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. This can amount to ten or even fifteen percent. Even if you qualify for this discount already, it’s always a smart idea to get quotes from other companies to help ensure you have the lowest rates.
• Annual mileage and car insurance prices – The more miles you rack up on your Chevy annually the higher your rates will be. Many insurance companies calculate prices based upon how much you drive. Autos that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. A policy that improperly rates your Monte Carlo is throwing money out the window. It’s a smart idea to ensure your auto insurance policy states the proper vehicle usage.
• Small frequent claims are not good – Companies provide the best rates to drivers who are not frequent claim filers. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance is designed for claims that pose a financial burden.
• Expect high rates for teens – Older, more experienced drivers tend to be more responsible, file fewer claims and tend to be get fewer driving tickets.Teen drivers have a tendency to be more careless when at the wheel of a vehicle so they pay higher auto insurance rates.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

These are some specific questions can aid in determining whether you might need professional guidance.

• Can my teen driver be rated on a liability-only vehicle?
• Why is insurance for a teen driver so high?
• Is my ex-spouse still covered by my policy?
• Should I buy full coverage?
• How does medical payments coverage work?
• What is roadside assistance coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance coverages explained

Knowing the specifics of your car insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like pain and suffering, legal defense fees, emergency aid and court costs. 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.

Collision protection

Collision insurance pays for damage to your Monte Carlo from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, hitting a parking meter, scraping a guard rail, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses such as dental work, pain medications, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, hail damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Knowledge is power

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret that it was a big error on their part. Your goal is to buy a smart amount of coverage at an affordable rate.

Some companies may not have rate quotes online small, regional companies sell through independent insurance agencies. Lower-priced insurance coverage can be bought both online as well as from insurance agents, so compare prices from both in order to have the best price selection to choose from.

Throughout this article, we presented some good ideas how to get a better price on 1998 Chevy Monte Carlo insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates come from a lesser-known regional company.

Much more information about insurance coverage can be found at these links:

• Senior Drivers (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)