2007 Chevrolet Monte Carlo Insurance Quotes

Looking for the cheapest car insurance rates for your Chevrolet Monte Carlo? Tired of paying out the nose to pay high car insurance rates every month? You’re in the same situation as the majority of other consumers. Companies like Allstate, Liberty Mutual and State Farm persitently shower you with advertising and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

It’s a good idea to check car insurance prices before your next renewal because car insurance rates change quite often. Even if you got the lowest premium rates on Monte Carlo insurance last year you can probably find a better price now. Ignore everything you know about car insurance because we’re going to show you how to use the internet to reduce your cost while increasing coverage.

Where can I get the cheapest insurance coverage?

Performing a rate comparison can be a daunting task if you don’t know the most efficient way. You can waste a lot of time driving to insurance companies in your area, or you could save time and use the web to get rates in a matter of minutes.

Most of the best insurance companies belong to a marketplace that enables customers to complete one form, and each participating company returns a competitive quote. This eliminates the need for form submissions for each company.

To enter your information into the quoting system, click here to open in new window.

The one downside to doing it this way is you are unable to specify which carriers you will receive quotes from. So if you prefer to choose individual companies to compare, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just do your best to use apples-to-apples quote information for every company. If each company quotes differing limits you will not be able to decipher which rate is best.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your situation may require specific advice.

• What should my uninsured motorist coverage limits be in my state?
• Am I covered if my car is in a flood?
• Should I buy more coverage than the required minimum liability coverage?
• What happens if I owe more than my 2007 Chevy Monte Carlo is worth?
• Do I benefit by insuring my home with the same company?
• Are rock chip repairs covered?
• Am I covered if I wreck a rental car?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverage options for a Chevy Monte Carlo

Understanding the coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from auto insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, EMT expenses, prosthetic devices and dental work. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Monte Carlo.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

This coverage pays for damage to your Monte Carlo caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, driving through your garage door, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, hitting a bird and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as legal defense fees, bail bonds and court costs. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.