2003 Chevrolet Monte Carlo Insurance Quotes – 8 Tips for Cheaper Rates

Trying to find cheaper auto insurance rates for your Chevrolet Monte Carlo? No car owner likes having to buy auto insurance, especially when the cost is way too high. Numerous car insurance companies battle for your insurance dollar, so it’s not easy to compare every insurance company and get the definite best price available.

It is always a good idea to quote other rates once or twice a year because insurance prices change regularly. Despite the fact that you may have had the lowest rates on Monte Carlo insurance two years ago you can probably find a better rate quote now. There are a lot of ways to save on auto insurance out there, but we’re going to give you the best ways to find affordable auto insurance.

Don’t overlook these eight insurance discounts

Not many people think insurance is cheap, but discounts can save money and there are some available that you may not even know about. Certain discounts will be triggered automatically at quote time, but some need to be asked for prior to getting the savings.

  • Accident Free – Drivers with accident-free driving histories pay less compared to drivers with a long claim history.
  • Life Insurance – Larger companies have a discounted premium rate on car insurance if you buy a life policy as well.
  • Safe Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates on Monte Carlo insurance as compared to drivers with claims.
  • Good Grades Discount – Being a good student can save 20 to 25%. Most companies allow this discount up until you turn 25.
  • ABS Brakes – Cars with ABS braking systems or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance quote.
  • Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts can save up to 15% off the PIP or medical payment premium.
  • Mature Driver Discount – If you qualify as a senior citizen, you may qualify for reduced rates on Monte Carlo insurance.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it appears you could get a free insurance policy, it’s just not the way it works.

Auto insurance companies that may offer some of the above discounts possibly include:

Before buying, ask each company or agent to give you their best rates. Savings may not be offered in your area. If you would like to choose from a list of insurance companies with discount rates, follow this link.

How to get free car insurance quotes online

Shopping for lower car insurance rates can take time and effort if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) talking to agents in your area, or you can stay home and use online quotes to get prices fast.

Many popular insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company then returns a price quote based on that information. This saves time by eliminating quotation requests to every company.

To fill out one form to compare multiple rates now click here to open in new window.

The only drawback to getting quotes like this is you are unable to specify the companies to get pricing from. If you prefer to choose individual companies for rate comparison, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use identical quote information for every quote you compare. If you use differing limits it will be impossible to determine the best price for your Chevy Monte Carlo.

When to get professional advice

When choosing the best car insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different so this has to be addressed. These are some specific questions may help you determine if your situation could use an agent’s help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is UM/UIM insurance?
  • Does my 2003 Chevy Monte Carlo qualify for pleasure use?
  • At what point should I drop full coverage?
  • Do I need an umbrella policy?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when driving a rental car?
  • Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

What auto insurance coverages do you need?

Understanding the coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for rehabilitation expenses, prosthetic devices, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage

This covers damage to your Monte Carlo from colliding 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 driving through your garage door, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability car insurance

Liability coverage can cover damage that occurs to a person or their property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like structural damage, loss of income, pain and suffering and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, fire damage and vandalism. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Money doesn’t grow on trees

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where an insured dropped liability limits or collision coverage to discover at claim time that they should have had better coverage. Your goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.

In this article, we covered many tips how you can get a better price on 2003 Chevy Monte Carlo insurance. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the biggest savings come from a small mutual company. They can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.

Cheaper auto insurance can be sourced online and from local agencies, so you need to shop insurance with both to get a complete price analysis. Some auto insurance companies do not offer online price quotes and most of the time these regional carriers prefer to sell through independent insurance agencies.

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