Compare 2002 Chevrolet Monte Carlo Insurance Cost

Searching for the cheapest insurance rates for your Chevrolet Monte Carlo? Sick and tired of not being able to scrape enough together to insure your Chevy every month? You are no different than many other consumers.

Companies like State Farm and GEICO promote their brand names with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

If you currently have car insurance, you will most likely be able to save some money using these techniques. Finding the best rates is not that difficult. But car owners must comprehend how the larger insurance companies sell insurance online because it can help you find the best coverage.

Quote insurance coverage online

To find more affordable quotes, there are a couple of ways of comparing rate quotes from all the different companies. The easiest way to comparison shop consists of shopping online. This can be accomplished in a couple of different ways.

  1. The most recommended method consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This quick form keeps you from doing repetitive form submissions for every insurance coverage company. Completing one form gets coverage cost estimates from insurance coverage companies with the best prices.
  2. A less efficient way to find more affordable insurance is spending the time to visit the website of each company and get a separate price quote. For examples sake, let’s say you want to get rates from Farmers, Liberty Mutual and Allstate. To get each rate you have to navigate to each company’s site to input your insurance information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

The method you choose is up to you, but be sure to compare exactly the same coverage information for every quote you compare. If you compare mixed coverages you will not be able to determine which company has the best rates. Slightly different coverage limits can result in a big premium difference. Just remember that comparing more quotes helps improve the odds of finding lower pricing.

Will you really save $495 on car insurance?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all seem to make the point about how much you will save just by switching your car insurance policy to them. How does every company have lower policy pricing? It’s all in how they say it.

Companies provide the lowest rates for the type of driver they prefer to insure. For instance, this type of risk profile could be over the age of 45, insures multiple vehicles, and the vehicle is rated for pleasure use. Anybody that hits that “sweet spot” gets the lowest rates and most likely will save a lot of money.

Drivers who fall outside those criteria may be required to pay higher premium rates which translates to business not being written. The trick companies use is to say “customers that switch” but not “all drivers who get quotes” save that kind of money. That is how companies can state the savings. Because of these techniques, drivers should compare quotes as often as possible. Because you never know which car insurance company will give you the biggest savings.

You may qualify for discounts

Insurance can be prohibitively expensive, but you may qualify for discounts that many consumers don’t even know exist. Certain credits will be shown when you get a quote, but some must be specifically requested prior to getting the savings. If you do not check that you are getting every discount you deserve, it’s possible you qualify for a lower rate.

  • Anti-theft System – Cars with anti-theft systems are stolen less frequently and will qualify for a discount on a auto insurance quote.
  • Drivers Education – Have your child sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get better rates on cars that stay parked.
  • Accident Free – Insureds with no claims or accidents can save substantially in comparison with bad drivers.
  • ABS Brakes – Cars and trucks that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Monte Carlo insurance than drivers with accidents.
  • College Student – Youth drivers living away from home attending college and leave their car at home could get you a discount.
  • Passive Restraints – Factory options such as air bags or motorized seat belts could see savings of 20 to 30 percent.
  • More Vehicles More Savings – Purchasing coverage when you have all your vehicles with the same company can get a discount for every vehicle.

Keep in mind that most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride.

Insurance companies that may offer quotes with these discounts possibly include:

When getting a coverage quote, ask each company the best way to save money. Some of the earlier mentioned discounts might not apply in your area. If you would like to see a list of companies offering insurance coverage discounts, click this link.

There’s no such thing as the perfect insurance coverage policy

When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help highlight if you may require specific advice.

  • Who is covered by my policy?
  • What if I owe more than I can insure my car for?
  • What can I do if my company won’t pay a claim?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Why do I need rental car insurance?
  • Is my dog or cat covered if injured in an accident?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverage considerations

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Comprehensive protection

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 things such as theft, vandalism, hitting a bird, a tree branch falling on your vehicle and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance will pay to fix damage to your Monte Carlo resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as backing into a parked car, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for chiropractic care, hospital visits, ambulance fees, rehabilitation expenses and nursing services. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as attorney fees, funeral expenses, emergency aid, court costs and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Saving money is sweet as honey

Some insurance companies don’t offer the ability to get quotes online and usually these smaller companies only sell coverage through independent agents. Lower-priced insurance coverage can be bought on the web and also from your neighborhood agents, so you should compare both so you have a total pricing picture.

We just showed you many tips how you can reduce 2002 Chevy Monte Carlo insurance car insurance rates online. It’s most important to understand that the more you quote auto insurance, the better your comparison will be. Consumers may even find the biggest savings come from a smaller regional carrier. They often have lower premium rates on specific markets as compared to the big name companies such as State Farm and Allstate.

Additional information can be read at these links: