1997 Chevrolet Monte Carlo Car Insurance Rates – 8 Policy Discounts

Nobody looks forward to paying for auto insurance, in particular when they are paying too much.

Since consumers have many insurance providers from which to choose, it can be impossible to locate the lowest cost insurance company.

It’s important to get comparison quotes periodically because rates are usually higher with each renewal. Just because you found the best price on Monte Carlo coverage two years ago there is a good chance you can find better rates now. So just ignore everything you know about auto insurance because you’re going to learn one of the quickest ways to save money, get proper coverage and the best rates.

Compare Insurance Today

There are several ways to compare Chevy Monte Carlo insurance quotes, but some are less labor-intensive and much quicker. You could waste time discussing policy coverages with insurance companies in your area, or you can stay home and use the internet for quick rates.

Most of the best insurance companies take part in a program that enables customers to enter their coverage request one time, and every company provides a quote determined by their information. This saves time by eliminating quotation requests for every insurance company.

To compare pricing click here to open in new window.

One minor caviat to getting quotes like this is that consumers can’t choose which providers you want to price. If you would rather choose specific insurance companies to compare rates, we have a page of companies who write insurance in your area. Click to view list.

Whichever method you choose, double check that you are using identical coverage limits and deductibles with every price quote. If your comparisons have unequal deductibles or liability limits then you won’t be able to decipher which rate is best. Quoting even small variations in insurance coverages may result in a large different in cost. And when price shopping your coverage, quoting more will increase your chances of finding the best offered rates.

Slick advertising tricks that work

Geico, State Farm and Progressive consistently run ads on television and other media. All the companies make an identical promise that you’ll save big if you change to their company. How does each company say the same thing?

Insurance companies have a preferred profile for the right customer that is profitable for them. For instance, a profitable customer could be between the ages of 40 and 55, a clean driving record, and drives newer vehicles. A customer getting a price quote who matches those parameters gets the lowest rates and as a result will probably cut their rates substantially.

Potential customers who don’t measure up to the “perfect” profile will be quoted higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. This is how insurance companies can make those claims.

This emphasizes why you should quote coverage with many companies. It’s impossible to know which insurance companies will give you the biggest savings on Chevy Monte Carlo insurance.

Are you getting all your discounts?

Insuring your fleet can be pricey, but there are discounts available to reduce the price significantly. Most are applied at quote time, but a few must be manually applied in order for you to get them.

  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
  • Passive Restraints – Vehicles equipped with air bags can receive discounts up to 30%.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • College Student – Any of your kids who live away from home and don’t have a car may be able to be covered for less.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.

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 cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will help reduce your overall premium however.

Insurance companies who might offer these discounts are:

Double check with each insurance company what discounts are available to you. Some discounts might not apply in every state.

When might I need an agent?

When choosing the right insurance coverage, there really is not a cookie cutter policy. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether you will benefit from professional help.

  • Will I lose any money if I cancel my policy before it expires?
  • How do I file an SR-22 for a DUI in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my dog or cat covered if injured in an accident?
  • Do I need medical payments coverage since I have good health insurance?
  • Exactly who is provided coverage by my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages and their meanings

Knowing the specifics of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from auto insurance companies.

Comprehensive coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, fire damage and hitting a deer. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses for dental work, hospital visits, nursing services and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Monte Carlo.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability coverage – Liability insurance will cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical services, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Collision – This covers damage to your Monte Carlo resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, damaging your car on a curb and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Affordable insurance is out there

You just read a lot of techniques to save on 1997 Chevy Monte Carlo insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with the smaller companies. They can often provide lower rates in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

Cheaper insurance is available both online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

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