View 1999 Chevrolet Monte Carlo Insurance Rates

Looking for the cheapest car insurance rates for your Chevrolet Monte Carlo? Sick and tired of being strong-armed to keep your car insured? Your situation is no different than many other consumers.

Due to the abundance of options, it can be challenging to locate the right insurer.

Buying car insurance is not that difficult. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Nevertheless, vehicle owners must understand how insurance companies compete online and use this information to your advantage.

You may qualify for discounts

Auto insurance is easily one of your largest bills, but there are discounts available that could help you make your next renewal payment. Certain credits will be shown when you quote, but a few must be asked about before being credited.

• Discounts for Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Monte Carlo coverage than their less cautious counterparts.
• Telematics Data Discounts – Insureds that choose to allow driving data collection to study where and when they drive by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as the data is positive.
• Discounts for New Vehicles – Buying a new car instead of a used car can save up to 30% because new vehicles are generally safer.
• E-sign Discounts
• Homeowners Pay Less – Simply owning a home may earn you a small savings because it requires a higher level of personal finance.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any qualifying discounts will cut your overall premium however.

The best auto insurance companies and their possible discounts can be found below.

• Progressive discounts include homeowner, multi-vehicle, multi-policy, online signing, and online quote discount.
• MetLife offers discounts including defensive driver, good driver, good student, claim-free, accident-free, and multi-policy.
• Mercury Insurance offers premium reductions for location of vehicle, multi-car, annual mileage, accident-free, ease of repair, anti-theft, and age of vehicle.
• Nationwide has discounts for easy pay, good student, family plan, accident-free, multi-policy, and defensive driving.
• Geico may include discounts for daytime running lights, military active duty, anti-lock brakes, federal employee, and defensive driver.
• AAA policyholders can earn discounts including multi-car, multi-policy, good student, pay-in-full, and anti-theft.

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in your area.

The fastest way that we advise to get rate comparisons takes advantage of the fact auto insurance companies will pay a fee to compare rate quotes. The one thing you need to do is take a few minutes to give details like if you are currently licensed, how your vehicles are used, if the vehicle is leased, and which vehicles you own. That rating data is submitted instantly to insurance companies and they respond with quotes almost instantly.

If you would like to start a quote now, click here and complete the form.

There’s no such thing as the perfect auto insurance policy

When buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can help discover whether you will benefit from professional help.

• Do I need motorclub coverage?
• Do I need an umbrella policy?
• Is my trailer covered?
• Does car insurance cover theft of personal property?
• Is business property covered if stolen from my car?
• What is high-risk coverage and where do I buy it?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Coverage specifics

Learning about specific coverages of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Monte Carlo.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage – Collision coverage will pay to fix damage to your Monte Carlo resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, damaging your car on a curb, crashing into a ditch, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, damage from a tornado or hurricane, hitting a deer and falling objects. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like ambulance fees, hospital visits, chiropractic care, rehabilitation expenses and pain medications. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP 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 only offered in select states but can be used in place of medical payments coverage

Liability auto insurance – This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, structural damage, loss of income and emergency aid. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

The best insurance company isn’t always the cheapest

We just presented a lot of techniques to compare 1999 Chevy Monte Carlo insurance prices online. The key thing to remember is the more rate comparisons you have, 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. Regional companies often have lower rates on specific markets as compared to the big name companies such as Progressive or Geico.

As you quote insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

For more information, take a look at the articles below:

• Auto Insurance Basics (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Speed and Speed Limit FAQ (iihs.org)