Cheaper 1999 Chevrolet Monte Carlo Car Insurance Quotes

Trying to find cheaper insurance rates? Buyers have many options when searching for low-cost Chevy Monte Carlo insurance. They can either spend hours calling around to get rate comparisons or utilize the internet to compare rates.

There is a better way to compare insurance rates so we’re going to tell you the proper way to quote coverages on a Chevy and obtain the lowest price from local insurance agents and online providers.

If you are insured now or need a new policy, you will benefit by learning to find better prices while maintaining coverages. The purpose of this post is to let you in on the best way to quote coverages and some money-saving tips. Vehicle owners only need an understanding of the best way to shop for auto insurance online.

What determines your Chevy Monte Carlo insurance premium

It’s important that you understand some of the elements that help determine auto insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

The following are some of the items used by your company to calculate prices.

  • A lapse in coverage is a bad thing – Having an insurance coverage lapse will be a fast way to increase your auto insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Men pay higher rates – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes have accidents at about the same rate, but the male of the species cause more damage. Men also tend to get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive auto insurance rates.
  • Protect yourself with liability coverage – Liability insurance provides coverage if a court rules you are at fault for damages from an accident. Liability provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
  • Your location is important – Residing in a rural area can save you money when talking about auto insurance. City drivers regularly have traffic congestion and much longer commute distances. Less people living in that area means reduced accidents and a lower car theft rate.
  • Choose a safe vehicle and save – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Chevy Monte Carlo has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Extra add-on coverages are wasting money – There are a ton of additional coverages you can purchase on your Monte Carlo policy. Things like roadside assistance, better glass coverage and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they’re wasting money remove them from your policy.

Save with discounts on Chevy Monte Carlo insurance

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be specially asked for before you will receive the discount. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount when buying insurance coverage for Monte Carlo insurance.
  • Homeowners Discount – Owning a house may earn you a small savings because maintaining a house requires personal responsibility.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Driver Safety – Successfully completing a course in driver safety can save you 5% or more if you qualify.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Monte Carlo insurance than drivers with accidents.
  • Bundle and Save – If you have multiple policies with one company you will save at least 10% off all policies.
  • 55 and Retired – Mature drivers may qualify for a discount up to 10% for Monte Carlo insurance.

Drivers should understand that most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. Any qualifying discounts will reduce the cost of coverage.

Car insurance companies that may have some of the above discounts may include but are not limited to:

Before buying, ask each company what discounts are available to you. Some discounts might not be offered in your state.

Tailor your coverage to you

When choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether or not you might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 1999 Chevy Monte Carlo is totaled?
  • Do I have coverage when making deliveries for my home business?
  • Why is insurance for a teen driver so high?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I benefit by insuring my home with the same company?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Insurance coverages explained

Learning about specific coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage – Liability insurance can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like court costs, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage – This covers damage to your Monte Carlo resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, fire damage and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

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 important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for expenses for things like X-ray expenses, EMT expenses, pain medications, hospital visits and nursing services. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

In conclusion

We just covered a lot of information how to save on 1999 Chevy Monte Carlo insurance. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the best price on insurance is with the smaller companies.

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. There have been many cases where an insured cut full coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Discount insurance is possible online and also from your neighborhood agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

More detailed insurance information is located by following these links: