1996 Chevrolet Monte Carlo Car Insurance Rates

Nobody I know cherishes buying auto insurance, especially when the price is too high.

Online insurance companies like Geico, Farmers Insurance and State Farm increase brand awareness with catchy ads and it is difficult to see past the corporate glitz and find the best price available.

It is always a good idea to check auto insurance prices periodically because insurance rates are usually higher with each renewal. If you had the lowest rates on Monte Carlo coverage a couple years back you can probably find a lower rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate how to use online quotes to buy cheaper auto insurance.

These factors can influence Chevy Monte Carlo insurance rates

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for insurance. Understanding what controls the rates you pay helps enable you to make changes that could result in lower insurance prices.

  • High deductibles save money – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Chevy. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and windstorm damage. Physical damage deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount the insured has to pay upfront, the lower your rates will be on Monte Carlo coverage.
  • More claims means more premium – Car insurance companies provide lower rates to insureds who do not file claims often. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • High credit ratings translate to low rates – Credit history is a large factor in determining what you pay for insurance. So if your credit score is not that good, you could be paying less to insure your 1996 Chevrolet Monte Carlo by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than those with lower credit scores.
  • Battle of the sexes – The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women tend to get into accidents at about the same rate, but men have costlier accidents. Men also receive more costly citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive insurance rates.
  • Extra coverages can waste money – There are a ton of add-on coverages you can purchase on your insurance policy. Things like vanishing deductibles, better glass coverage and additional equipment coverage may be wasting your money. They may seem like a good idea when you first buy your policy, but now you might not need them so remove them from your policy.

Insurance Coverage Quote Comparison

There are several ways to compare rate quotes from insurance coverage companies in your area. The simplest method to find the lowest 1996 Chevy Monte Carlo rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

  1. The recommended way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This type of form eliminates the need for multiple quote forms for every insurance coverage company. Taking the time to complete one form gets you price quotes from multiple low-cost companies.
  2. A different way to shop for insurance coverage online consists of visiting the website of each company to request a price quote. For instance, we’ll pretend you want rates from Liberty Mutual, Farmers and Progressive. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

Whichever way you use, make absolute certain that you use identical coverages and limits with every price quote. If you compare different values for each quote you can’t possibly make a fair comparison for your Chevy Monte Carlo. Slightly different coverages can make a big difference in price. And when quoting insurance coverage, remember that getting more free quotes helps you find better pricing.

Are you falling for claims of savings?

State Farm, Geico and Progressive consistently run ads on television and other media. All the companies make the same claim of big savings if you change to their company. But how can every company claim to save you money?

Different companies have a preferred profile for the type of driver they prefer to insure. A good example of a preferred risk could be between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. A propective insured who matches those parameters will get very good rates and is almost guaranteed to save when they switch companies.

Potential customers who do not match the “perfect” profile must pay a more expensive rate and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” but not “drivers who get quotes” save that kind of money. This is how companies can advertise the way they do. This illustrates why drivers should compare as many rates as you can. You cannot predict the company that will have the lowest Chevy Monte Carlo insurance rates.

These discounts can slash insurance coverage rates

Companies don’t necessarily list every available discount in a way that’s easy to find, so we researched some of the more common and also the lesser-known discounts you could be receiving.

  • Homeowners Discount – Owning a house may trigger a insurance coverage policy discount because owning a home shows financial diligence.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy can qualify you for discounted rates on garaged vehicles.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Paperless Signup – A few companies give back up to $50 just for signing your application online.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Early Signing – Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.

Drivers should understand that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, you’re out of luck.

Companies who might offer these money-saving discounts are:

Double check with each insurance company how you can save money. Some discounts may not be available everywhere.

When might I need the advice of an agent?

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • Do I need replacement cost coverage on my 1996 Chevy Monte Carlo?
  • Does having multiple vehicles earn me a discount?
  • When should I remove comp and collision on my 1996 Chevy Monte Carlo?
  • Is my trailer covered?
  • Is my 1996 Chevy Monte Carlo covered for smoke damage?
  • How much liability insurance is required?
  • What is the rate difference between pleasure use and commuting?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Parts of your car insurance policy

Having a good grasp of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by car insurance companies.

Liability coverage

Liability insurance provides protection from damage that occurs to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things like repair costs for stationary objects, medical expenses, court costs, attorney fees and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Monte Carlo.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision insurance

This pays for damage to your Monte Carlo resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, damaging your car on a curb, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills such as nursing services, dental work and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, damage from flooding, rock chips in glass, damage from a tornado or hurricane and vandalism. The highest amount your car 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.

In the end, you save

Budget-conscious 1996 Chevy Monte Carlo insurance can be purchased from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not provide online quoting and these regional insurance providers work with independent agents.

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. In many cases, drivers have reduced physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the best price while still protecting your assets.

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