Compare 1996 Chevrolet Monte Carlo Insurance Quotes

Want cheaper insurance coverage rates for your Chevrolet Monte Carlo? Trying to find cheaper insurance for a Chevy Monte Carlo can normally be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to shop for insurance coverage and you need to know the best way to quote coverages for a Chevy and get the best price possible.

How to buy insurance coverage online

Effectively comparing insurance coverage prices is a ton of work if you don’t utilize the fastest way to get free quotes. You can waste hours discussing policy coverages with insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Most of the best insurance companies belong to a marketplace where prospective buyers complete one form, and each participating company provides a quote determined by their information. This eliminates the need for repetitive form submissions to each individual insurance coverage company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to using this type of form is buyers cannot specifically choose which companies to get quotes from. So if you prefer to pick specific providers to compare rates, we have a listing of companies who write insurance coverage in your area. Click to view list.

Take whichever approach you prefer, but make absolute certain that you use equivalent coverage limits and deductibles on every quote. If you enter unequal deductibles or liability limits it will be nearly impossible to make a fair rate comparison.

Insurance discounts help cut rates

Some insurers don’t always publicize every available discount in a way that’s easy to find, so the list below gives a summary of a few of the more common as well as some of the hidden savings tricks you should be using when you buy insurance coverage online. If you do not double check each discount you deserve, you are not getting the best rate possible.

  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
  • Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Student in College – Kids who live away from home at college and leave their car at home may be insured at a cheaper rate.
  • One Accident Forgiven – This isn’t a discount exactly, but a handful of insurance companies will forgive one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
  • Discount for Passive Restraints – Cars that have air bags may qualify for discounts up to 30%.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more off the PIP or medical payment premium.
  • Multi-line Discount – Select insurance companies reward you with a small discount if you purchase a life policy as well.

Policy discounts save money, but most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way. But any discount will positively reduce your policy cost.

Some companies that possibly offer most of the discounts above include:

If you need affordable insurance coverage quotes, ask each company which discounts they offer. Some credits may not apply in your area. To view providers that can offer you the previously mentioned discounts, follow this link.

Which is the best auto insurance?

When buying the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

  • If my 1996 Chevy Monte Carlo is totaled, can I afford another vehicle?
  • What can I do if my company won’t pay a claim?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How can I get my company to pay me more for my totalled car?
  • Do I need PIP coverage since I have good health insurance?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Why your insurance rates might be higher

Lots of factors are used when premium rates are determined. Some are obvious such as traffic violations, but some are more obscure like your vehicle usage or how safe your car is.Part of the car insurance buying process is learning a few of the rating criteria that help determine the level of your policy premiums. If you know what determines premiums, this enables informed choices that may result in better car insurance rates.

The items below are some of the major factors companies use to determine prices.

  • Multi-policy discounts can save money – Most larger companies will award discounts for people that buy multiple policies, otherwise known as a multi-policy discount. Discounts can add up to ten percent or more. Even with this discount applied, it’s always a smart idea to compare rates to help guarantee you have the best rates. Consumers may save more without the discount even if you insure with multiple companies
  • Low stress job equals lower prices – Did you know your job can affect your rates? Careers like military generalsair traffic controllers and financial analysts tend to have higher average rates attributed to intense work-related stress and long work days. On the flip side, jobs like farmers, engineers and homemakers get better rates for Monte Carlo insurance.
  • Cheaper rates after marriage – Your spouse may save some money when shopping for car insurance. It means you’re more mature and it’s proven that drivers who are married file infrequent claims.
  • Obey driving laws and save – Careful drivers get better rates compared to drivers with tickets. Just one driving citation can bump up the cost by twenty percent. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to complete a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
  • Annual mileage impacts costs – The more you drive your Chevy each year the more you’ll pay to insure it. A lot of insurance companies rate vehicles based upon how you use the vehicle. Vehicles that sit idle most of the time receive better premium rates as compared to vehicles used primarily for driving to work. Verify your vehicle rating is rated on how each vehicle is driven, because improper ratings can cost you money. Having the wrong rating on your Monte Carlo can cost quite a bit.
  • Men tend to take more risk – Over the last 50 years, statistics have shown females are less aggressive when driving. However, this does not mean men are worse drivers. Men and women tend to get into fender benders in similar numbers, but the men cause more damage and cost insurance companies more money. They also receive more major tickets like reckless driving and DUI. Male drivers age 16 to 19 generally have the highest accident percentage so they pay the highest premiums.
  • Drivers with good credit save – A driver’s credit score factor in calculating your premium rate. People that have good credit tend to file fewer claims and have better driving records than drivers with bad credit. So if your credit can be improved, you may save money insuring your 1996 Chevrolet Monte Carlo by repairing your credit.

Don’t be fooled by advertising claims

Drivers can’t escape the ads that claim the lowest premium rates by Progressive, Allstate and GEICO. They all advertise claims about how much you will save after switching to their company.

How does every company give you a better price? This is the way they can do it.

Different companies give the cheapest rates for the type of driver that will generate a profit. For instance, this type of driver might be described as over the age of 45, carries full coverage, and has excellent credit. A customer getting a price quote that meets those criteria will get the preferred premium rates and have a good chance to save when they switch companies.

Potential insureds who fall outside this stringent profile must pay more expensive rates which usually ends up with business going elsewhere. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way insurance companies can make it sound like they have such great premium rates.

This illustrates why it is so important to get insurance coverage quotes as often as possible. You cannot predict which company will fit you best based on your risk profile.

Insurance coverage options for a Chevy Monte Carlo

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments – Med pay and PIP coverage kick in for expenses like rehabilitation expenses, EMT expenses and pain medications. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, fire damage, damage from a tornado or hurricane and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This coverage covers damage to your Monte Carlo resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability auto insurance – This provides protection from damage that occurs to people or other property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like loss of income, pain and suffering, medical expenses, court costs and legal defense fees. How much coverage you buy is a personal decision, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Monte Carlo.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are set the same as your liablity limits.

Save your hard earned cash

The cheapest 1996 Chevy Monte Carlo insurance is attainable online as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not offer the ability to get a quote online and these regional insurance providers only sell through independent agents.

We’ve covered a lot of information how to compare 1996 Chevy Monte Carlo insurance prices online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting the cheapest insurance coverage. Consumers may even find the lowest prices come from a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, an insured dropped full coverage and found out when filing a claim that it was a big error on their part. Your goal should be to purchase plenty of coverage at the best cost and still be able to protect your assets.

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