Save on 1999 Chevrolet Monte Carlo Insurance Rates

Have you finally had enough of not being able to afford to keep your car insured? You have the same problem as many other vehicle owners. Companies like State Farm, Geico and Farmers Insurance promote their brand names with TV and radio ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Earn discounts to get lower-cost auto insurance rates

Some insurance providers don’t necessarily list every available discount in an easy-to-find place, so here is a list some of the best known and also the more inconspicuous credits available to bring down your rates. If you do not check that you are getting every discount possible, it’s possible you qualify for a lower rate.

  • Online Discount – A handful of companies will provide an incentive shop car insurance on the web.
  • Government Employees – Federal government employees may reduce rates when you quote car insurance on Monte Carlo insurance depending on your auto insurance provider.
  • Anti-theft System – Vehicles that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Buy New and Save – Buying a new car model can cost up to 25% less since new model year vehicles have better safety ratings.
  • Low Mileage Discounts – Driving fewer miles may enable drivers to earn lower premium rates on the low mileage vehicles.
  • No Charge for an Accident – Not really a discount, but a handful of insurance companies permit an accident without raising rates if you have no claims for a certain period of time.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

To see companies that offer some of these discounts, click here.

Informed consumers know how to buy car insurance cheaper

Multiple criteria are taken into consideration when quoting car insurance. Most are fairly basic like an MVR report, but other criteria are less obvious like your vehicle usage or your commute time.

The list below includes just a few of the factors utilized by car insurance companies to help set your premiums.

  • Higher prices for high stress jobs – Careers like fire fighters, social workers and medical professionals generally pay higher premiums than the average policyholder because of intense work requirements and long work hours. Conversely, careers such as actors, historians and homemakers pay lower than average rates on Monte Carlo insurance.
  • Save money by eliminating incidental coverages – Insurance companies have many extra coverages that you can buy if you don’t pay attention. Insurance for vanishing deductibles, towing coverage, and motor club memberships may not be needed and are just wasting money. They may seem like a good idea when you first buy your policy, but now you might not need them so think about removing them and cutting costs.
  • Reserve policy claims for larger damages – Auto insurance companies award the best rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee higher premiums or even policy non-renewal. Insurance coverage is designed for larger claims.
  • Coverage deductibles are a factor – Your deductibles state the amount of money you are required to spend in the event of a claim. Insurance for physical damage to your car, aka comp and collision, insures against damage to your car. Some instances where coverage would apply are a windshield broken by a bird, vandalism, and having a roll-over accident. The higher the amount you’re willing to pay, the less your car insurance will be on Monte Carlo insurance.

Tailor your insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • How do I insure my teen driver?
  • Can I still get insurance after a DUI?
  • What can I do if my company denied a claim?
  • Do I pay less for low miles?
  • Do I have coverage if my license is suspended?
  • How many claims can I have before being cancelled?
  • Does my 1999 Chevy Monte Carlo need full coverage?
  • Does coverage extend to Mexico or Canada?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Chevy Monte Carlo.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, hail damage and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills for hospital visits, doctor visits and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability coverage can cover damage or injury you incur to other people or property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, medical services and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for collisions

This coverage covers damage to your Monte Carlo from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Keep this in mind

You just read many tips how you can shop for 1999 Chevy Monte Carlo insurance online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from a small mutual company. Smaller companies can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.

As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. In many cases, drivers have reduced full coverage only to discover later they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at the best cost, not the least amount of coverage.

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