1999 Chevrolet Monte Carlo Insurance Quotes

Searching for cheaper insurance coverage rates for your Chevrolet Monte Carlo? Nobody that owns a car gets a kick out of paying for insurance coverage, particularly when their premiums are too high.

Insurance companies such as GEICO and Progressive constantly bombard you with ads and it is difficult to see past the corporate glitz and effectively compare rates to find the best deal.

How to shop auto insurance online

To find the best auto insurance prices, there are several ways to compare rate quotes from many available auto insurance companies in your state. The best method to compare 1999 Chevy Monte Carlo insurance prices consists of obtaining rate quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. If you don’t have a lot of time, the easiest way to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form eliminates the need for separate forms for each company you want a rate for. Taking the time to complete one form gets rate comparisons from multiple low-cost companies.
  2. A less efficient way to shop for auto insurance online requires visiting the website for each individual company and repeat the quote process again and again. For instance, we’ll pretend you want to see prices from State Farm, Safeco and Travelers. In order to compare rates, you need to navigate to each company’s site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended method to get comparison rates is driving around to insurance agents’ offices. The fact that you can get quotes online has made agencies unnecessary unless you want the trained advice of a local agent. It is possible to compare online quotes but purchase the actual policy in an agency.

It’s up to you how you get prices quotes, just compare apples-to-apples coverage information for each quote you get. If you enter different limits and deductibles on each one you will not be able to make a fair rate comparison. Having just a slight variation in coverages could throw off the whole comparison. And when quoting auto insurance, remember that getting more free quotes increases your odds of finding the best price. Not every company provides price estimates online, so you also need to get prices from them, too.

Car insurance policy discounts

Car insurance can cost a lot, but there are discounts available that may help make it more affordable. Many of these discounts will be applied automatically when you purchase, but less common discounts must be requested specifically before being credited.

  • Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
  • Senior Citizens – Drivers over the age of 55 can get reduced rates on Monte Carlo coverage.
  • More Vehicles More Savings – Drivers who insure all your vehicles with one company could earn a price break for each car.
  • Discounts for Government Workers – Being employed by or retired from a federal job can earn a discount up to 10% on Monte Carlo coverage with select insurance companies.
  • Multi-policy Discount – When you have multiple policies and insure them with the same company you may save nearly 15% which can help you find the cheapest car insurance.
  • Discount for Life Insurance – Select car insurance companies reward you with a lower car insurance rate if you buy auto and life insurance together.
  • Driving Data Discount – People who choose to allow driving data collection to analyze driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
  • Resident Student – College-age children who live away from home to go to college without a vehicle on campus can receive lower rates.

One last thing about discounts, most discounts do not apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

A few companies that may include some of the above discounts include:

If you want the cheapest car insurance quotes, ask all the companies which discounts can lower your rates. Some credits may not apply to policies in your area. To locate insurers that have a full spectrum of discounts, click here.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can aid in determining if you might need professional guidance.

  • When should I drop full coverage on my 1999 Chevy Monte Carlo?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does coverage extend to my business vehicle?
  • When should my teen driver be added to my policy?
  • What happens if I owe more than my 1999 Chevy Monte Carlo is worth?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions but you think they might apply to your situation, 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 insurance companies in your area.

Informed drivers can slash their insurance prices

Many things are considered when premium rates are determined. Some are obvious like your driving record, although others are less obvious such as whether you are married or how financially stable you are.Smart consumers have a good feel for the rating factors that help determine the price you pay for insurance coverage. When you understand what influences your rates, this enables you to make decisions that can help you get much lower annual insurance costs.

  • Multi-policy discounts can save money – Most major insurers apply discounts to people who consolidate policies with them such as combining an auto and homeowners policy. Even though this discount sounds good, it’s in your best interest to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by insuring with multiple companies.
  • Only buy extra coverages you need – There are a lot of additional coverages that can waste your money on your insurance coverage policy. Insurance for things like coverage for rental cars, better glass coverage, and membership fees are probably not needed. The coverages may be enticing at first, but your money might be better spent on other coverage so remove them and pocket the money.
  • Safer the car lower the rate – Cars with five star safety ratings tend to have better insurance rates. These vehicles reduce injuries and better occupant protection means lower claim amounts which can mean better rates for you. If your Chevy has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Your liability coverage limits – The liability section of your policy is the coverage that protects you in the event that you are ruled to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage which can cost a lot. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Never let your insurance coverage policy expire – Driving your car without having proper coverage is a big no-no and you will pay a penalty because you let your coverage cancel without a new policy in place. And not only will your rates increase, being ticketed for driving with no insurance may result in a license revocation or jail time.

Car insurance coverages explained

Understanding the coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.

Collision protection

Collision insurance pays for damage to your Monte Carlo caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, driving through your garage door, hitting a mailbox, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, fire damage, hitting a bird, damage from flooding and hail damage. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for dental work, EMT expenses, X-ray expenses, pain medications and nursing services. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage protects you from damage that occurs to other people or property. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as structural damage, funeral expenses and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Final considerations

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There have been many situations where an insured dropped full coverage only to discover later they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

You just read some good ideas how you can save on 1999 Chevy Monte Carlo insurance. It’s most important to understand that the more providers you compare, the better likelihood of getting the cheapest car insurance. You may even find the most savings is with a smaller regional carrier. They may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

There are still a few companies who may not have online price quotes regional carriers only sell coverage through independent agents. Budget-friendly insurance coverage is definitely available from both online companies and from local insurance agents, so you should compare both in order to have the best chance of saving money.

Much more information about insurance coverage is located below: