Cheaper 1996 Chevrolet Monte Carlo Insurance Quotes

Searching for the most affordable auto insurance is rather difficult for vehicle owners new to quoting and online price comparisons. With so many insurance agents and insurers to choose from, how are vehicle owners able to have time to compare them all to find the cheapest available price?

Get Chevy Monte Carlo insurance at a discount

When buying auto insurance it’s important to understand the rating factors that help determine the price you pay for auto insurance. When you understand what determines premiums, this enables informed choices that will entitle you to much lower annual insurance costs.

  • Incidental coverages can waste money – Insurance policies have a lot of additional extra coverages that can waste your money on your auto insurance policy. Coverages like vanishing deductibles, towing, and extra equipment coverage may not be needed and are just wasting money. They may sound like good ideas when talking to your agent, but if you have no use for them consider taking them off your policy.
  • How much liability coverage – Liability coverage kicks in in the event that you are responsible for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court which can cost a lot. Liability is cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Consolidate policies with the same company – Most auto insurance companies will give discounts to clients who have multiple policies with them. It’s known as a multi-policy discount. If you currently are using one company, it’s always a smart idea to get quotes from other companies to help guarantee you have the best rates. You may still be able to save even more even if you have your coverage with different companies
  • Use credit responsibly and save – An insured’s credit score factor in calculating your auto insurance rates. Insureds that have high credit ratings tend to be better risks to insure than drivers who have lower credit scores. If your credit rating could use some work, you could potentially save money when insuring your 1996 Chevrolet Monte Carlo by taking the time to improve your credit score.
  • Premiums can be impacted by your employer – Careers such as doctorsair traffic controllers and medical professionals are shown to have higher average rates in part from high stress and extremely grueling work hours. On the other hand, professions such as actors, engineers and the unemployed pay the least for Monte Carlo insurance.
  • Cars with good safety ratings means cheaper insurance – Cars with five star safety ratings tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates.

How to compare insurance coverage quotes

There are a variety of methods you can shop for insurance coverage but some are easier and takes less work. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use the internet to accomplish the same thing much quicker.

Most major companies enroll in a system where insurance shoppers enter their coverage request one time, and every company then gives them pricing based on that information. This eliminates the need for form submissions for each company you want a rate for.

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

The one disadvantage to using this type of form is that consumers can’t choose the insurers to receive prices from. So if you want to select specific insurance companies to compare prices, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

The approach you take is up to you, just be certain you are entering apples-to-apples coverages and limits on every quote you get. If the quotes have different values for each quote it will be impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when comparing insurance coverage rates, know that comparing more company’s prices increases the change that you will find a lower rate. Not every company allows you to get price estimates online, so it’s important to compare prices from those companies as well.

Insurance discounts are available to reduce your rates

Companies offering auto insurance do not list every available discount in a way that’s easy to find, so here is a list both the well known and also the more inconspicuous credits that you can use to lower your rates.

  • Defensive Driving Course – Taking a course teaching driver safety skills may get you a small discount depending on where you live.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Professional Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on your next insurance statement.
  • Lower Rates for Military – Having a family member in the military could qualify you for better insurance rates.
  • Discount for Low Mileage – Maintaining low annual mileage could qualify for better rates on cars that stay parked.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may get savings as much as 30%.
  • Telematics Discount – Insureds who allow driving data submission to analyze when and where they use their vehicle through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they are good drivers.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up could save 15% on the premium charged for medical payments and/or PIP.
  • No Accidents – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote in comparison with frequent claim filers.

A quick disclaimer, some credits don’t apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Some companies that may have these discounts possibly include:

If you want the cheapest auto insurance quotes, ask all the companies which discounts you qualify for. A few discounts may not apply to policies in your area. To locate insurers with the best insurance discounts, click this link.

Everyone needs different insurance coverage coverages

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions might point out if you would benefit from professional advice.

  • What companies insure drivers after a DUI or DWI?
  • Can I still get insurance after a DUI?
  • Do I need PIP coverage since I have good health insurance?
  • Am I getting all the discounts available?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I rent a car in Mexico?
  • What exactly is covered by my policy?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete this form.

Car insurance coverage information

Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverages – This covers damage to your Monte Carlo caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Monte Carlo.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, damage from flooding, damage from getting keyed and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical expenses, emergency aid and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage – Med pay and PIP coverage pay for bills for hospital visits, prosthetic devices and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Be a smart shopper

As you quote auto insurance, do not reduce needed coverages to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the best cost and still be able to protect your assets.

Consumers change insurance companies for many reasons like poor customer service, not issuing a premium refund, high rates after DUI convictions and high prices. Regardless of your reason for switching companies, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

In this article, we covered some good ideas how you can save on 1996 Chevy Monte Carlo insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the best rates are with an unexpected company.

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