2000 Chevrolet Monte Carlo Car Insurance Quotes – 8 Tips to Save

Getting discount auto insurance on the internet can be impossible for comparing and buying auto insurance over the internet. With so many agents and companies in the marketplace, how can you have a chance to compare every company to locate the best available rates?

Consumers should take time to compare premium rates yearly because prices change frequently. Despite the fact that you may have had the best deal on Monte Carlo insurance on your last policy you can probably find a lower rate today. Ignore everything you know about auto insurance because we’re going to demonstrate one of the easiest ways to find great coverage at a great price.

Finding insurance

There are a variety of methods you can shop for insurance but one way is less labor-intensive and much quicker. You could waste a few hours talking about coverages with insurance companies in your area, or you can stay home and use online quoting to get prices fast.

Most of the larger companies enroll in a system where insurance shoppers complete one form, and every company returns a rated price based on that data. This eliminates the need for quotation requests for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly which companies you will receive quotes from. So if you want to select from a list of companies to compare rates, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but be sure you’re using equivalent coverage information with each company. If the quotes have differing limits it will be next to impossible to determine which rate is truly the best. Just slight variations in coverage limits could throw off the whole comparison. And when comparing insurance rates, know that comparing more company’s prices will increase your chances of finding the best offered rates.

Eight discounts for cheap insurance rates

Insurance can be pricey, but there could be significant discounts to reduce the price significantly. Some trigger automatically at the time of quoting, but less common discounts must be specially asked for prior to receiving the credit.

  • Drive Safe and Save – Safe drivers may receive a discount up to 45% on Monte Carlo insurance compared to rates paid by drivers with frequent claims.
  • 55 and Retired – Drivers over the age of 55 are able to get lower premium rates on Monte Carlo insurance.
  • Fewer Miles Equal More Savings – Driving fewer miles may allow you to get discounted insurancerates on garaged vehicles.
  • Distant College Student Discount – who are enrolled in higher education away from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • New Car Discount – Buying a new car model may earn a small discount compared to insuring an older model.
  • Waiver for an Accident – Not a discount per se, but companies like Progressive, State Farm and GEICO allow you one accident without the usual rate increase as long as you don’t have any claims before the accident.
  • No Accidents – Insureds who avoid accidents and claims pay less when compared with insureds who have frequent claims or accidents.
  • Telematics Data – Policyholders that allow companies to study vehicle usage by installing a telematics device such as Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.

Discounts lower rates, but most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. But any discount will positively reduce the cost of your policy.

To view providers with significant discounts, click here.

You may need specialized insurance coverage

When it comes to buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions can help discover if your insurance needs will benefit from professional help.

  • How much underlying liability do I need for an umbrella policy?
  • Exactly who is provided coverage by my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my Chevy Monte Carlo covered if I use it for business?
  • Do I have newly-aquired coverage?
  • Who is covered when they drive my 2000 Chevy Monte Carlo?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Do drivers who switch really save $495 a year?

Insurance coverage companies such as 21st Century, Allstate and State Farm consistently run ads in print and on television. They all seem to make the same claim that you can save if you get a free insurance coverage quote and switch your coverage. How is it plausible that every one can make the same claim?

Insurance companies offer their best rates for the right customer that will be a good risk. For example, this type of driver could possibly be between the ages of 30 and 50, has no prior claims, and has a high credit rating. A propective insured that matches those criteria will qualify for the lowest prices and as a result will probably save some money.

Consumers who don’t measure up to these standards may receive higher premiums which translates to business going elsewhere. If you pay attention, the ads say “drivers that switch” but not “all drivers who get quotes” save that much when switching. That’s why insurance companies can confidently make claims that they all have the best premium rates. Each company has different criteria, so you really should compare rate quotes every year. It is impossible to guess which insurance companies will provide you with the cheapest car insurance rates.

Auto insurance 101

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages

This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, funeral expenses, legal defense fees and medical services. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Coverage for collisions

This will pay to fix damage to your Monte Carlo resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills like chiropractic care, EMT expenses, pain medications and surgery. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, vandalism, hitting a bird and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Monte Carlo.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Stretch your dollar

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced uninsured motorist or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

Consumers leave their current company for many reasons like unfair underwriting practices, being labeled a high risk driver, delays in paying claims or denial of a claim. Regardless of your reason for switching companies, finding a new auto insurance company can be easy and end up saving you some money.

You just learned a lot of tips how to save on 2000 Chevy Monte Carlo insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. Drivers may discover the best price on auto insurance is with some of the lesser-known companies.

More information