1998 Chevrolet Monte Carlo Car Insurance Quotes

Being forced to pay for overpriced insurance coverage premiums can draw down your savings account and put the squeeze on your family’s finances. Shopping your coverage around is a great way to lower your monthly bill.

Since vehicle owners have many online and local companies to choose from, it is very difficult to choose the lowest cost insurance company.

Get affordable rates with these nine discounts

Car insurance is not cheap, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but occassionally some discounts must be requested specifically prior to getting the savings.

No Accidents – Insureds with no claims or accidents can save substantially as compared to accident-prone drivers.
Save with More Vehicles Insured – Purchasing coverage when you have multiple cars with the same car insurance company may reduce the rate for each vehicle.
Driver Training Discounts – Taking part in a course teaching defensive driver skills is a good idea and can lower rates depending on where you live.
Driver Education Discount – It’s a good idea to have your young drivers complete a driver education course in high school.
Paperless Signup – Some of the larger companies give back up to $50 for buying a policy and signing up on the web.
Seat Belts Save – Drivers who require all occupants to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.
Own a Home and Save – Owning your own home or condo can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
First Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will forgive one accident without raising rates if your claims history is clear prior to the accident.
Savings for New Vehicles – Insuring a new car can save you some money since new vehicles have better safety ratings.

Consumers should know that some of the credits will 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. If you do the math and it seems like you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will cut the cost of coverage.

A few companies who may offer most of these discounts include:

When getting a coverage quote, ask every prospective company which discounts you qualify for. Discounts might not be offered in your state. If you would like to view insurance companies who offer online car insurance quotes, follow this link.

Ways to get insurance quotes

Comparing insurance rates can be exhausting if you don’t know the most efficient way. You can waste a few hours (or days) talking to local insurance agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

All the larger companies enroll in a system where insurance shoppers submit their information once, and each participating company then gives them pricing. This eliminates the need for quotation requests to each company.

To get comparison pricing now click here to start a free quote.

One minor caviat to doing it this way is you can’t choose the providers to get pricing from. So if you prefer to choose from a list of companies to compare prices, we have a page of companies who write insurance in your area. Click here to view list.

Which method you use is up to you, but make sure you are using apples-to-apples coverage data for every company. If you use differing limits then you won’t be able to truly determine the lowest rate. Quoting even small variations in coverage limits can mean a large discrepancy in price. Just keep in mind that comparing more rates from different companies increases the change that you will find the best price. Some companies don’t provide quotes online, so you also need to get price estimates from those companies as well.

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Insurance coverage can be complex

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

Am I covered when pulling a rental trailer?
Is my 1998 Chevy Monte Carlo covered for flood damage?
When do I need to add a new car to my policy?
Am I covered when driving in Canada or Mexico?
Am I getting all the discounts available?
Should I buy only the required minimum liability coverage?
Is my dog or cat covered if injured in an accident?
How much liability coverage do I need in my state?
Does my 1998 Chevy Monte Carlo need full coverage?
Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, hitting a bird, fire damage, falling objects and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

This will cover injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical services, repair bills for other people’s vehicles, legal defense fees and emergency aid. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like funeral costs, prosthetic devices, doctor visits, surgery and EMT expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto collision coverage

Collision coverage pays for damage to your Monte Carlo caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Coverage on a shoestring budget

Cheap 1998 Chevy Monte Carlo insurance is available online as well as from independent agents, so get free insurance quotes from both of them to get a complete price analysis. There are still a few companies who do not provide internet price quotes and many times these smaller companies sell through independent agencies.

We just covered some good ideas how you can save on 1998 Chevy Monte Carlo insurance. The most important thing to understand is the more you quote insurance, the better chance you’ll have of finding cheaper insurance. You may be surprised to find that the most savings is with the smaller companies. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

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