1996 Chevrolet Monte Carlo Insurance Cost

Searching for better insurance coverage rates for your Chevrolet Monte Carlo? Expensive insurance coverage can overdraw your personal savings and force you to make sacrifices. Comparing price quotes is a great way to help make ends meet.

Companies like State Farm, Farmers Insurance, Geico and Allstate all promote huge savings with ads and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

Finding Insurance Coverage

There are several ways to compare rate quotes and find the best price. The simplest method to find the cheapest 1996 Chevy Monte Carlo insurance rates consists of shopping online. It is quite easy and can be accomplished using a couple different methods.

One of the best ways to get the best comparison quotes is a comparison rater form click to view form in new window. This form prevents you from having to do repetitive form submissions for each company. A single form will get you price quotes from multiple companies.

A different way to shop for insurance coverage online requires you to visit each company website and request a quote. For instance, we’ll pretend you want comparison quotes from State Farm, Farmers and Travelers. To get each rate you have to take the time to go to each site to enter your coverage 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 least efficient method of comparing rate quotes is driving to and from local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the personal advice of a licensed agent. You can, however, get the lowest quotes online but buy from a local insurance agent. We’ll cover that shortly.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverages for every quote you compare. If you compare unequal deductibles or liability limits you can’t possibly decipher which rate is best. Slightly different limits can mean a large discrepancy in price. Just remember that more quotes provides better odds of finding the best offered rates.

Tailor your coverage to you

When choosing adequate coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

• Who is covered when they drive my 1996 Chevy Monte Carlo?
• Do I have coverage if my license is suspended?
• Where can I find DUI or SR-22 insurance?
• Does my liability insurance cover pulling a trailer or camper?
• I don’t drive much so do I pay less?
• Is my trailer covered?
• Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk 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

Coverage specifics

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Monte Carlo.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, hail damage and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance – This coverage protects you from damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like structural damage, legal defense fees, emergency aid and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for bills like X-ray expenses, ambulance fees, nursing services, funeral costs and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. 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. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance pays for damage to your Monte Carlo resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, scraping a guard rail, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.