2005 Chevrolet Monte Carlo Insurance Quotes

Trying to find cheaper insurance rates for your Chevrolet Monte Carlo? No one in their right mind enjoys paying for insurance, especially when they are aware that they could find better prices if they shop around. Many insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to get the lowest rate possible.

Compare car insurance rate quotes

Shopping for lower car insurance rates can take hours if you don’t utilize the easiest way. You can waste a few hours (or days) talking to agents in your area, or you can utilize online quotes to get prices fast.

All the larger companies are enrolled in a marketplace that allows shoppers to send in one quote, and every company provides a quote. This saves time by eliminating quotation requests to every company.

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

The one downside to using this type of form is you are unable to specify the companies you want pricing from. So if you want to choose specific providers for rate comparison, we have a listing of the cheapest car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make sure you compare apples-to-apples coverages with each company. If your comparisons have different data it will be next to impossible to truly determine the lowest rate.

Save money with discounts

Car insurance is not inexpensive, but there could be significant discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but some discounts are required to be asked about prior to getting the savings.

Policy Bundle Discount – When you combine your auto and homeowners insurance with one insurance company you may earn as much as 10 to 15 percent.
Include Life Insurance and Save – Larger insurance carriers have a break if you buy life insurance from them.
More Vehicles More Savings – Purchasing coverage when you have all your vehicles with one company can reduce rates for all insured vehicles.
Passive Restraints and Air Bags – Options like air bags or motorized seat belts could see savings of up to 25% or more.
Early Switch Discount – Some companies provide a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
Early Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
No Accidents – Insureds with no claims or accidents can save substantially in comparison to accident-prone drivers.
Resident Student – Kids who live away from home at college without a vehicle on campus may qualify for this discount.
Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction on Monte Carlo coverage depending on your company.

Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

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

If you are trying to find cheap car insurance quotes, ask all companies you are considering to give you their best rates. Some discounts may not apply everywhere.

What is the best auto insurance coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight if you could use an agent’s help.

Do I have coverage when using my vehicle for my home business?
Does my policy cover me when driving someone else’s vehicle?
Exactly who is provided coverage by my policy?
Should I have combined single limit or split liability limits?
Is a blown tire covered by insurance?
When can I cancel my policy?
Should I rate my 2005 Chevy Monte Carlo as pleasure use or commute?
Am I covered if my car is in a flood?
Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Auto insurance 101

Having a good grasp of car insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from car insurance companies.

Collision coverage

This coverage covers damage to your Monte Carlo caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, rolling your car, crashing into a ditch, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Monte Carlo.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix 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 coverage protects against claims like hitting a deer, hail damage, a tree branch falling on your vehicle and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance

This provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

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 might see limits of 50/100/50 which means $50,000 in coverage for each person’s 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 claims such as pain and suffering, funeral expenses, emergency aid, bail bonds and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills like funeral costs, chiropractic care and pain medications. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage