Cheaper 2006 Chevrolet Monte Carlo Insurance Quotes

Looking for the cheapest insurance rates for your Chevrolet Monte Carlo? Are you sick and tired of being strong-armed to buy car insurance? You are no different than the majority of other car owners. Companies like Progressive, State Farm and Geico all promote huge savings with ads and consumers find it hard to separate fact from fiction and find the best price available.

Discounts can save BIG

Companies offering auto insurance don’t always advertise all their discounts in an easy-to-find place, so we break down both well-publicized as well as the least known auto insurance savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Resident Student – Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.
  • Government Employees – Employees or retirees of the government can save as much as 8% for Monte Carlo coverage with certain companies.
  • Accident Waiver – Some insurance companies permit an accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • E-sign – A few companies will give a small break for buying a policy and signing up digitally online.
  • Accident Free – Good drivers with no accidents pay less when compared with bad drivers.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Monte Carlo coverage than less cautious drivers.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Good Student Discount – This discount can save 20 to 25%. The good student discount can last until age 25.
  • Homeowners Savings – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.
  • Driver Safety – Taking a course in driver safety could save 5% or more if you qualify.

Keep in mind that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

Companies that possibly offer some of the above discounts include:

It’s a good idea to ask each company how you can save money. Some discounts might not be offered in every state.

Will just any policy work for me?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine if your insurance needs may require specific advice.

  • What if I total my 2006 Chevy Monte Carlo and owe more than it’s worth?
  • Does medical payments coverage apply to all occupants?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average auto insurance policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2006 Chevy Monte Carlo.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, hail damage and rock chips in glass. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like prosthetic devices, dental work and surgery. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as medical services, attorney fees and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision coverage covers damage to your Monte Carlo from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, backing into a parked car, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

At the end of the day…

We just showed you quite a bit of information on how to get a better price on 2006 Chevy Monte Carlo insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the most savings is with a small mutual company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

Budget-conscious insurance is definitely available both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

More tips and info about insurance coverage is located at these sites: