Vehicles > Chevrolet > Monte Carlo

Chevrolet Monte Carlo Insurance Rates

Comparing auto insurance through online companies saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is to take the time to get rates from all companies in order to accurately compare the lowest prices.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online quotes. But don't be discouraged because we're going to show you how. Cutting your Monte Carlo insurance cost is not a difficult process. Drivers just need to take a couple of minutes to compare quotes online from several insurance companies. This can be done by getting a quick quote here.

Rates are determined by these things

Insurance premiums on a Chevrolet Monte Carlo can vary widely and are calculated by many factors. Including but not limited to:

  • Tickets increase premiums
  • Credit rating
  • Male drivers pay higher rates
  • The deductible you choose
  • Crash test rating for your Monte Carlo
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older Chevrolet models so the costs to repair can inflate annual premiums. But new Chevrolet models have more advanced features including a rollover prevention system, forward-collision avoidance, and dual-stage airbags which can 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 the list below.

Coverage for liability - This provides protection from damage or injury you incur to people or other property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy higher limits if possible.

Collision - This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Monte Carlo can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available and may carry a deductible.

How Much are Chevrolet Monte Carlo Insurance Rates?