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Chevrolet Monte Carlo Insurance Rates

There are many options when insurance shopping for your Chevrolet vehicle. You can get prices from your neighborhood insurance agent or go online to compare insurance costs of insurance carriers. Buying car insurance by getting online quotes can be fast and easy and there is a good chance you will probably save money.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The easiest way to find the cheapest Monte Carlo insurance cost is to get quotes online. This can be accomplished by getting a quick quote here.

Insurance rates on a Chevrolet Monte Carlo can vary widely depending on several factors. Some of these factors include:

  • Higher performance Monte Carlo vehicles cost more
  • Any accidents you may have
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Extra coverages like towing and rental
  • Your profession
  • The amount of protection requested
  • Whether you own your home

One last important factor that helps determine the rate you pay on your Chevrolet is the year of manufacture. Older models cost less so the cost to replace them may result in lower rates. But newer models may have options including a telematics system, all-wheel drive, and adaptive headlights which can help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Monte Carlo below.

Liability - This coverage protects you from damage that occurs to people or other property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision - Collision insurance pays for damage to your Chevrolet resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Monte Carlo can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance - Med pay and PIP coverage pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.

How Much are Chevrolet Monte Carlo Insurance Rates?