Cheaper 2000 Chevrolet Monte Carlo Insurance Rates

Want cheaper car insurance rates for your Chevrolet Monte Carlo? No one in their right mind rejoices having to buy car insurance, in particular when their premiums are too high. Numerous insurers battle for your insurance dollar, and it can be difficult to compare rates to get the best rate

If you have a current insurance policy or need a new policy, you can follow these tips to reduce the price you pay and still get good coverage. Choosing the best insurance company for you is quite easy. Drivers just need to know the best way to compare prices over the internet.

Low cost insurance coverage prices

The majority of larger companies give pricing on their websites. Comparing prices online doesn’t take a lot of time as you simply type in the coverages you want into the quote form. After the form is submitted, the system automatically retrieves your credit score and driving record and gives you a price quote based on these factors. Online quotes makes it a lot easier to compare rates but having to visit multiple sites and type in your information can be a bit tiresome and repetitive. But it’s necessary to perform this step if you want to get the lowest possible prices on insurance coverage.

A more efficient way to find better insurance coverage pricing makes use of a single form to get prices from a lot of companies. The form is fast, requires less work, and makes online quotes much simpler. After sending your information, it is rated with multiple companies and you can pick any one of the returned quotes. If a lower price is quoted, it’s easy to complete the application and buy the policy. This process takes just a few minutes to complete and may result in a nice savings.

To find out how much you’re overpaying now, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend that you enter your coverages identical to your current policy. Doing this assures you are getting a fair comparison based on the exact same insurance coverage.

Take policy discounts and save

Buying car insurance is not cheap, but you might be missing out on some discounts that many people don’t even know exist. Many discounts should be triggered at the time you complete a quote, but once in a while a discount must be requested specifically before they will apply.

  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.
  • Paperless Signup – Many companies provide a small discount for buying a policy and signing up on the web.
  • Buy New and Save – Insuring a vehicle that is new can be considerably cheaper since newer models are generally safer.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Accident Waiver – This one is not really a discount per se, but a few companies such as Allstate and State Farm will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
  • College Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Accident Free – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote compared to drivers who are more careless.

It’s important to note that most discounts do not apply to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, it doesn’t quite work that way.

A few companies that possibly offer most of the discounts above include:

If you need lower rates, check with every company which discounts you may be entitled to. All car insurance discounts may not be available in your area. To find insurance companies that provide some of the discounts listed above, click this link.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when driving on a suspended license?
  • Can I afford to pay high deductible claims out of pocket?
  • What is an SR-22 filing?
  • Should I get collision insurance on every vehicle?
  • How much liability coverage do I need in my state?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Auto insurance policy specifics

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Monte Carlo.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance

This coverage provides protection from damage or injury you incur to a person or their property in an accident. It protects you against claims from other people, and doesn’t 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. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like court costs, medical services and pain and suffering. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision coverage

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

Collision coverage protects against things like sustaining damage from a pot hole, colliding with a tree, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverage

This pays for 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 can pay for claims like rock chips in glass, hitting a deer, a broken windshield and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses like pain medications, rehabilitation expenses, chiropractic care, dental work and ambulance fees. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Smart consumers save more

Throughout this article, we presented many ways to shop for 2000 Chevy Monte Carlo insurance online. The most important thing to understand is the more companies you get auto insurance rates for, the better chance you’ll have of finding cheap car insurance. Drivers may discover the best rates are with the least-expected company. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

Cheaper 2000 Chevy Monte Carlo insurance is available from both online companies and with local insurance agents, so get free car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance companies may not offer rate quotes online and most of the time these smaller providers only sell coverage through local independent agents.

While you’re price shopping online, you should never buy poor coverage just to save money. In many instances, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage for the lowest price while not skimping on critical coverages.

For more information, take a look at the resources below: