Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find better auto insurance rates for your Dodge Monaco? Shopping for more affordable auto insurance might seem impossible for consumers not familiar with price shopping on the web. With dozens of insurers available, how are consumers expected to efficiently compare the different rates to find the lowest rates?

You should take the time to compare rates as often as possible because rates are variable and change quite frequently. Just because you had the lowest premium rates for Monaco coverage two years ago the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because you’re going to learn one of the best ways to remove unneeded coverages and save money.

First Step: Get free insurance coverage quotes

There are several ways of comparing price quotes from insurance coverage companies in your area. The quickest method to find cheaper 1990 Dodge Monaco rates is to get quotes online. It’s really quite simple and can be done in a couple of different ways.

The simplest way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This style of form eliminates the need for separate quotation requests to each individual insurance coverage company. In just a few minutes this one form gets you coverage quotes from multiple low-cost companies.It’s the quickest way to get rates.

A more time consuming way to analyze rates consists of visiting each company’s website and request a quote. For instance, we’ll assume you need rates from State Farm, Liberty Mutual and GMAC. In order to get each rate, you would have to take the time to go to each site and repeatedly type in your coverage information, which can get old fast.

For a handy list of car insurance company links in your area, click here.

The most difficult way to price shop rates is driving to all the different insurance agencies. Shopping for insurance coverage online eliminates this option unless you have a need for the extra assistance of a local agency. However, consumers can get prices online but purchase the actual policy in an agency.

Whichever way you choose to compare rates, do your best to use exactly the same information on every price quote you get. If each company quotes different deductibles it will be next to impossible to determine the lowest rate for your Dodge Monaco. Slightly different insurance coverages can mean a large discrepancy in price. Keep in mind that comparing all the rates in your area helps improve the odds of finding the best offered rates. Not every company does online rate quotes, so it’s recommended that you also compare rates from them as well.

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Cheaper rates with discounts

Some insurance providers don’t necessarily list the entire discount list in an easy-to-find place, so the next list breaks down some of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance online.

  • Bundled Policy Discount – If you insure your home and vehicles with one insurance company you will save as much as 10 to 15 percent.
  • 55 and Retired – If you’re over the age of 55, you are able to get a discount up to 10% for Monaco coverage.
  • Switch and Save Discount – A few car insurance companies offer discounts for switching companies early. The savings is around 10%.
  • Onboard Data Collection – People who choose to allow their insurance company to study vehicle usage by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
  • Discounts for Good Drivers – Safe drivers may receive a discount up to 45% for Monaco coverage than drivers with accident claims.
  • Sign Online – Some car insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Waiver for an Accident – Not a discount per se, but some insurance companies will let one accident slide before your rates go up if you are claim-free prior to the accident.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save a little off the PIP or medical payment premium.
  • Early Payment Discounts – By paying your entire bill at once as opposed to paying monthly you can actually save on your bill.
  • Buy New and Save – Buying a new car instead of a used car can get you a discount since new vehicles are generally safer.

Please keep in mind that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

A list of car insurance companies and some of their more popular discounts are included below.

  • State Farm discounts include Steer Clear safe driver discount, good student, defensive driving training, accident-free, safe vehicle, passive restraint, and multiple policy.
  • Farmers Insurance may offer discounts for good student, early shopping, alternative fuel, pay in full, and teen driver.
  • Progressive offers discounts including good student, online quote discount, multi-policy, homeowner, online signing, multi-vehicle, and continuous coverage.
  • GEICO has discounts for membership and employees, multi-vehicle, seat belt use, military active duty, daytime running lights, and good student.
  • Auto-Owners Insurance may include discounts for safe vehicle, paperless, anti-lock brakes, good student, paid in full, multiple vehicles, and group or association.
  • The Hartford policyholders can earn discounts including vehicle fuel type, driver training, bundle, anti-theft, and good student.
  • Farm Bureau may have discounts that include multi-policy, good student, 55 and retired, safe driver, and youthful driver.
  • USAA has savings for defensive driver, good student, driver training, military installation, annual mileage, and multi-vehicle.

Before you buy a policy, ask each company or agent which credits you are entitled to. Some of the earlier mentioned discounts may not be available in your area. If you would like to choose from a list of insurance companies who offer cheap car insurance quotes, click here to view.

What is the best insurance coverage?

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions could help you determine whether or not you will benefit from professional help.

  • Do I really need UM/UIM coverage?
  • How much underlying liability do I need for an umbrella policy?
  • What are the financial responsibility laws in my state?
  • Should I get collision insurance on every vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I waive the damage coverage when renting a car?
  • I don’t drive much so do I pay less?
  • Do I need motorclub coverage?
  • Am I covered by my spouse’s policy after a separation?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance 101

Understanding the coverages of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverages

This coverage can cover damage that occurs to a person or their property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as loss of income, emergency aid and bail bonds. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, hitting a deer, a tree branch falling on your vehicle, hail damage and theft. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

Collision insurance pays for damage to your Monaco caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Monaco.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses like surgery, hospital visits, nursing services and prosthetic devices. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible