1998 Chevrolet Monte Carlo Car Insurance Cost – 5 Ways to Save

Looking for cheaper car insurance rates? Shoppers have options when shopping for low-cost Chevy Monte Carlo insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to find the lowest rates. There is a better way to shop for car insurance and we’ll show you the proper way to quote coverages for your Chevy and get the lowest possible price from local insurance agents and online providers.

You should take the time to price shop coverage before your policy renews because prices fluctuate regularly. Despite the fact that you may have had the best rates on Monte Carlo insurance six months ago you can probably find a better price now. Starting now, ignore everything you know about car insurance because you’re about to learn the things you must know in order to find lower rates on car insurance.

Comparison of Insurance

Most companies give prices directly from their websites. Getting online quotes is quite simple as you just enter your coverage information into the quote form. After the form is submitted, their rating system pulls reports for credit and driving violations and generates pricing information determined by many factors.

Online price quotes simplifies rate comparisons, but the time required to go to each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible if you want to find the best price possible.

The quickest way to find lower prices requires only one form to obtain quotes from a bunch of companies at once. This type of form saves time, reduces the work, and makes online shopping much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you can choose any or none of the resulting price quotes. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process can be completed in a matter of minutes and may save quite a bit of money.

To quickly compare rates now, click here and complete the simple form. If you currently have coverage, we recommend you copy your coverages as shown on your current policy. This way, you will get a price comparison based on similar coverages.

How can Progressive, Allstate and GEICO save drivers who switch?

Consumers can’t ignore all the ads that promise big savings by companies like Progressive, Allstate and GEICO. All the companies make the same claim about savings if you move to them.

How do they all claim to save you money? It’s all in the numbers.

Different companies have a preferred profile for the driver that earns them a profit. An example of a preferred risk could be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications receives the best rates and most likely will save when switching.

Potential customers who don’t qualify for this ideal profile will have to pay more money and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everybody who quotes” save that much money. This is how companies can truthfully advertise the way they do. Because of the profiling, you need to compare as many rates as you can. It is impossible to predict which car insurance company will give you the biggest savings on Chevy Monte Carlo insurance.

You probably qualify for some discounts

Companies that sell car insurance do not list all their discounts very well, so we took the time to find both the well known and the more hidden ways to save on car insurance. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Low Mileage – Low mileage vehicles could qualify for a substantially lower rate.
  • Paperless Signup – A few companies will give a small break for buying a policy and signing up digitally online.
  • Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates on car insurance on Monte Carlo insurance.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, car insurance companies aren’t that generous.

Car insurance companies who might offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts may not apply in your state.

There’s no such thing as the perfect policy

When buying the best auto insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can help discover whether your personal situation may require specific advice.

  • Should I buy only the required minimum liability coverage?
  • Am I covered when using my vehicle for business?
  • Are rock chip repairs covered?
  • Why am I required to buy liability insurance?
  • When can I cancel my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • What are the best liability limits?
  • Is my trailer covered?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Monte Carlo.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for bills such as hospital visits, funeral costs, EMT expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, a broken windshield, hitting a bird and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages – This can cover damage that occurs to other people or property. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like court costs, medical services and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Never pay more for less

Affordable 1998 Chevy Monte Carlo insurance is possible online as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and these smaller companies work with independent agents.

In this article, we presented a lot of techniques to compare insurance prices online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from some of the lesser-known companies.

People who switch companies do it for any number of reasons including policy non-renewal, being labeled a high risk driver, denial of a claim and not issuing a premium refund. Regardless of your reason, choosing a new company can be less work than you think.

Additional insurance coverage information is available at the links below