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Dodge Monaco Insurance Rates

You have lots of choices when insurance shopping for your Dodge vehicle. You can get prices from a local agent or go online to check prices from many different car insurance companies. Finding cheaper car insurance through online rate quotes can be fast and easy and at the same time you might just save a little.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The easiest way to find competitive Monaco insurance cost is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

Which factors influence car insurance premiums?

Auto insurance rates on a Dodge Monaco can be significantly different depending on several factors. Taken into consideration are:

  • Higher performance Monaco vehicles cost more
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Your age
  • Having a spouse can save money
  • Special coverage such as replacement cost
  • What you do for a living
  • The level of coverage
  • Whether you rent or own your home

A final factor which can affect Monaco insurance rates is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the cost to replace them may result in lower rates. Conversely, newer models may have a trim level with safety features such as an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Monaco from available model years below.

Auto liability - This coverage protects you from damages or injuries you inflict on people or other property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision - This pays for damage to your Dodge resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your Monaco can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive auto coverage - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your Dodge Monaco comprehensive insurance. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage - Med pay and PIP coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Monaco Insurance Rates?