2000 Chevrolet Monte Carlo Insurance Quotes

Want lower auto insurance rates for your Chevrolet Monte Carlo? Trying to find low-cost insurance for a Chevy Monte Carlo could be an all-consuming task, but you can use our auto insurance buying tips and make it easy. There is a better way to find auto insurance online and you need to know the best way to compare rates for your Chevy and get the lowest price from local insurance agents and online providers.

You should take the time to shop coverage around yearly because auto insurance prices are adjusted regularly by insurance companies. Just because you had the best price for Monte Carlo coverage last year you can probably find a lower rate today. Block out anything you think you know about auto insurance because I’m going to teach you the best methods to find better rates and still maintain coverage.

Compare insurance coverage rate quotes

Performing a rate comparison can be exhausting if you aren’t aware of the most efficient way to do it. You could waste a few hours driving to insurance companies in your area, or you could use online quotes to accomplish the same thing much quicker.

Many companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each company then gives them pricing. This prevents consumers from doing quotation requests for every insurance coverage company.

To access this free quoting program, click to open in new window.

The only downside to pricing coverage this way is that consumers can’t choose the insurers you want pricing from. So if you want to choose specific insurance companies to compare prices, we put together a list of the cheapest insurance coverage companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make darn sure you compare exactly the same coverage limits on every price quote you get. If you use mixed coverages then you won’t be able to make an equal comparison.

Do you qualify for discount insurance coverage?

Not too many consumers would say insurance coverage is affordable, but you may be missing some discounts that can dramatically reduce your bill. Certain discounts will be applied when you complete an application, but some may not be applied and must be requested specifically before they will apply.

• Good Grades Discount – Performing well in school could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
• Good Driver Discounts – Insureds who avoid accidents can pay as much as 50% less for Monte Carlo coverage than drivers with accidents.
• No Accidents – Claim-free drivers can earn big discounts in comparison with drivers who are more careless.
• Discount for Multiple Policies – If you have multiple policies and insure them with the same company you may save nearly 15% which can help you find inexpensive insurance coverage.
• Military Deployment Discount – Being on active duty in the military can result in better insurance coverage rates.
• Life Insurance – Select insurance companies reward you with better prices if you take out life insurance from them.
• New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new vehicles are generally safer.

Discounts lower rates, but most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will bring down the cost of your policy.

Popular insurance coverage companies and a selection of discounts can be read below.

• Progressive includes discounts for multi-vehicle, online quote discount, multi-policy, homeowner, online signing, good student, and continuous coverage.
• MetLife may offer discounts for multi-policy, defensive driver, good student, accident-free, and claim-free.
• Mercury Insurance may have discounts that include age of vehicle, type of vehicle, low natural disaster claims, anti-theft, good driver, and location of vehicle.
• Nationwide may include discounts for family plan, accident-free, multi-policy, business or organization, anti-theft, defensive driving, and Farm Bureau membership.
• Geico has savings for multi-vehicle, anti-theft, air bags, seat belt use, good student, and emergency military deployment.
• AAA discounts include good driver, AAA membership discount, pay-in-full, good student, and education and occupation.

Double check with all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply to policyholders in your state. If you would like to see a list of companies who offer cheap insurance coverage quotes, follow this link.

What insurance coverages do I need?

When it comes to buying adequate coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

• Should I rate my 2000 Chevy Monte Carlo as pleasure use or commute?
• Do I have newly-aquired coverage?
• Is my state a no-fault state?
• Do I need roadside assistance coverage?
• What is the difference between comprehensive and collision coverage?
• Am I covered if hit by an uninsured driver?
• Is rental equipment covered for theft or damage?
• Am I better off with higher deductibles on my 2000 Chevy Monte Carlo?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Informed drivers know how to find auto insurance more affordably

Many factors are used when premium rates are determined. Most are fairly basic such as traffic violations, but some are less obvious like your vehicle usage and annual miles driven.

• lapses raise prices – Allowing your auto insurance policy to lapse is a quick way to increase your rates. Not only will you pay more, getting caught without coverage could earn you fines or a revoked license.
• Liability protection limits on your policy – Your policy’s liability coverage is the coverage that protects you when you are found liable for damages caused by your negligence. Liability provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to comp and collision, so do not skimp.
• Frequent claims increase auto insurance rates – Companies provide better rates to drivers who do not file claims often. If you tend to file frequent claims, you can definitely plan on higher rates. Your car insurance is intended for more catestrophic claims.
• Your address can modify prices – Choosing to live in areas with lower population is a good thing when insuring your vehicles. People who live in big cities regularly have much more traffic and more severe claims. Fewer drivers translates into fewer accidents and lower theft and vandalism rates.

Specific coverage details

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Auto liability

This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims like funeral expenses, pain and suffering, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Monte Carlo 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 driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive car insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, theft, a broken windshield and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Monte Carlo.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills such as X-ray expenses, EMT expenses and pain medications. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Better coverage you can count on

Consumers leave their current company for any number of reasons including high rates after DUI convictions, questionable increases in premium, poor customer service and denial of a claim. It doesn’t matter why you want to switch switching companies is not as hard as you think.

In this article, we presented a lot of information how to get a better price on 2000 Chevy Monte Carlo insurance. The key concept to understand is the more quotes you get, the better likelihood of getting inexpensive insurance coverage. You may even discover the best premium rates are with some of the lesser-known companies.

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice full coverage only to regret at claim time they didn’t purchase enough coverage. The aim is to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

More tips and info about insurance is available at these sites:

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Speed and Speed Limit FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)