Locating cheaper insurance for your Chevy Monte Carlo can normally be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the quickest way to quote coverages for a new or used Chevy and find the best price possible.
You should make it a habit to quote other rates on a regular basis because rates are rarely the same from one policy term to another. Even if you got the lowest rate on Monte Carlo insurance a couple years back there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the best methods to remove unneeded coverages and save money.
If you have insurance now or need a new policy, you can learn to shop for the lowest rates and still get good coverage. Locating affordable protection is simple if you know the tricks. Consumers only need an understanding of the proper methods to buy insurance coverage over the internet.
Many factors are part of the equation when you quote your car insurance policy. Some are obvious such as traffic violations, but other factors are more obscure such as your credit history or how safe your car is.
Companies that sell car insurance don’t always advertise every available discount in an easy-to-find place, so the below list has both well-publicized and the more hidden credits available to bring down your rates.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. Just because you may think you can get free auto insurance, nobody gets a free ride.
A few popular companies and some of the discounts are included below.
Before you buy a policy, ask each insurance company how you can save money. Some of the discounts discussed earlier may not be available everywhere. To view insurance coverage companies who offer cheap insurance coverage quotes, click here to view.
When it comes to buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.
These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Knowing the specifics of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Monte Carlo.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Liability coverages
Liability coverage protects you from damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers claims like emergency aid, court costs, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.
Comprehensive auto coverage
This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like damage from getting keyed, a broken windshield, vandalism and hitting a deer. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision protection
This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like driving through your garage door, scraping a guard rail, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP pay for expenses such as nursing services, surgery and chiropractic care. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Cheaper auto insurance is attainable both online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. A few companies may not provide price quotes online and most of the time these small insurance companies provide coverage only through independent agencies.
Drivers leave their current company for a variety of reasons including not issuing a premium refund, denial of a claim, delays in paying claims and extreme rates for teen drivers. Whatever your reason, finding a new auto insurance company is actually quite simple.
We’ve covered many ways to compare 2002 Chevy Monte Carlo insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with the smaller companies.