1997 Chevrolet Monte Carlo Car Insurance Rates – 5 Ways to Save

Looking for cheaper insurance rates for your Chevrolet Monte Carlo? I can’t think of a single person who rejoices having to buy insurance, especially knowing they are paying too much. Insurance companies such as State Farm and GEICO constantly blast consumers with TV and radio ads and it is difficult to avoid their marketing magic and find the best price available.

It’s important to price shop coverage on a regular basis because prices change frequently. If you had the best deal for Monte Carlo insurance two years ago there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the fastest way to properly buy coverages while reducing your premium.

The method we recommend to compare rates is to understand most insurance companies participate in a system to give rate comparisons. The one thing you need to do is provide a small amount of information including the make and model of your vehicles, how much education you have, driver details, and types of safety features. Your rating data is instantly provided to many of the top insurers and they return quotes almost instantly.

To check car insurance prices now, click here and find out if you can get cheaper insurance.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might point out whether your personal situation may require specific advice.

  • What are the best liability limits?
  • Do I need higher collision deductibles?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to buy high-risk coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Should I buy full coverage?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage options for a 1997 Chevy Monte Carlo

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for expenses like X-ray expenses, ambulance fees and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, damage from getting keyed, theft and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage – This coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as pain and suffering, medical expenses, bail bonds, attorney fees and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1997 Chevy Monte Carlo.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage – Collision insurance will pay to fix damage to your Monte Carlo from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, sideswiping another vehicle, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.