Save on 1997 Chevrolet Monte Carlo Car Insurance Cost

Looking for better insurance coverage rates for your Chevrolet Monte Carlo? Paying for high-priced Chevrolet Monte Carlo insurance can empty your monthly budget and force you to make sacrifices. Comparing rates annually is a smart way to lower your bills every month.

Vehicle owners have multiple insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it can be more difficult to find the best rates for your vehicles.

It is always a good idea to shop coverage around quite often due to the fact that insurance prices are constantly changing. Even if you got the best deal on Monte Carlo coverage a year ago you will most likely find a better premium rate today. Forget all the misinformation about insurance coverage because you’re about to learn one of the best ways to find great coverage at a great price.

Compare quotes for insurance

Shopping for lower insurance rates can take hours if you don’t utilize the most efficient way. You can waste hours talking about coverages with agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most major companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and at least one company then returns a price quote determined by their information. This system prevents you from having to do quotation requests for every insurance company. To participate in this free quote system, click to open in new window.

The only downside to pricing coverage this way is you are unable to specify which insurance companies to get quotes from. If you prefer to choose specific insurance companies to request quotes from, we put together a list of low cost insurance companies in your area. View list of insurance companies.

Whichever way you use, do your best to use the exact same coverages and limits for each comparison quote. If your comparisons have higher or lower deductibles it’s not possible to determine which rate is truly the best.

Verify you’re receiving every discount

Companies that sell car insurance don’t list every disount available very clearly, so the list below gives a summary of a few of the more common as well as the least known credits available to lower your premiums when you buy insurance coverage online.

  • Own a Home and Save – Owning a home can save a few bucks since home ownership is proof of financial responsibility.
  • Auto/Life Discount – Some insurance companies give a break if you buy a life insurance policy as well.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more on medical payment and PIP coverage.
  • Buy New and Save – Insuring a vehicle that is new may earn a small discount because new vehicles keep occupants safer.
  • E-sign – Certain larger companies provide a small discount get insurance coverage on the web.
  • Student in College – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle may qualify for this discount.
  • Good Grades Discount – Maintaining excellent grades can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may be able to get better insurance rates on Monte Carlo coverage.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

If you would like to see a list of insurers who offer online insurance quotes, click here to view.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if my car is in a flood?
  • Am I covered when driving someone else’s vehicle?
  • When should I remove comp and collision on my 1997 Chevy Monte Carlo?
  • Does my policy pay for OEM or aftermarket parts?
  • What is the rate difference between pleasure use and commuting?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Find cheap car insurance with these tips

It’s important that you understand a few of the rating criteria that come into play when calculating your policy premiums. If you have a feel for what influences your rates, this enables informed choices that can help you get better car insurance rates.

Listed below are most of the major factors that factor into premiums.

  • Increase deductibles and save – Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Chevy. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and damage from a fallen tree branch. Comp and collision deductibles represent how much money you are willing to pay out-of-pocket if a covered claim is submitted. The more damage repair cost the insured is willing to pay, the lower your rates will be on Monte Carlo coverage.
  • Safeguard your assets with liability coverage – Liability coverage will protect you when you are determined to be liable for physical damage or personal injury to other. Liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Proper usage rating affects prices – The higher the mileage driven annually the more it will cost to insure it. The majority of insurers rate vehicles determined by how the vehicle is used. Autos that sit idle most of the time qualify for better rates than those used for commuting. An improperly rated Monte Carlo is throwing money out the window. It’s always a good idea to double check that your car insurance declarations sheet properly reflects the proper vehicle usage.
  • Marriage reduces risk – Having a wife or husband may save some money when shopping for car insurance. Having a spouse generally demonstrates drivers are more financially stable and it’s statistically proven that drivers who are married file infrequent claims.

Brand name doesn’t guarantee savings

Consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm, Geico and Progressive. All the companies state the claim that people will save just by moving your car insurance policy to them.

How does every car insurance company offer drivers better rates? Here is how they do it.

Insurance companies give the best rates for the type of customer they prefer to insure. One example of a desirable risk might have to be over the age of 45, has had continuous coverage, and drives less than 5,000 miles a year. Someone who matches those parameters will most likely get cheap auto insurance rates and most likely will cut their rates if they switch.

Consumers who do not meet those criteria will have to pay higher prices and the customer buying from a different company. The ads state “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way insurance companies can make those statements. This really drives home the point why you should compare quotes as often as possible. It is impossible to predict which car insurance company will have the best premium rates for your profile.

Insurance coverages and their meanings

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the normal coverages found on most insurance policies.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, hitting a deer, fire damage, a broken windshield and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision coverage protection

Collision coverage covers 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 insurance covers claims such as hitting a mailbox, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, funeral costs and hospital visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering and medical expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Keep this in mind

When you buy insurance coverage online, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, an insured dropped full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the lowest possible cost.

Affordable 1997 Chevy Monte Carlo insurance is definitely available online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get quotes online and many times these smaller companies only sell coverage through independent insurance agents.

You just read a lot of techniques to shop for 1997 Chevy Monte Carlo insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheap insurance coverage. You may even discover the most savings is with some of the lesser-known companies. They may only write in your state and offer lower rates as compared to the big name companies such as Progressive and Geico.

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