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Dodge Monaco Insurance Cost

Finding cheaper auto insurance by getting online quotes is easy and at the same time you can save money. The key is to get rates from all providers in order to accurately compare all possible prices.

Consumers who are new to the process of comparison shopping may think finding affordable Monaco insurance is nearly impossible. Finding cheaper coverage prices can be relatively painless. All you need to do is take the time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact Monaco insurance quotes?

Car insurance premiums paid to insure a Dodge Monaco can fluctuate considerably based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating impacts rates
  • Men typically pay more than women
  • The deductible you choose
  • Your vehicle's safety rating
  • Your claim history
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

An additional factor which can affect Monaco insurance cost is the year of the vehicle. Models that are new have a higher actual cash value than older models so repair costs are higher which may result in higher rates. But more recent Dodge vehicles may have safety features including traction control, adaptive headlights, and automatic crash notification which may help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability

Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision protection

This will pay to fix damage to your Dodge from colliding with an object or car. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

This provides protection when the "other guys" are uninsured or don't have enough coverage. 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 should not be overlooked.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.

How Much are Dodge Monaco Insurance Rates?