1997 Chevrolet Monte Carlo Insurance Quotes

Trying to find cheaper auto insurance rates for your Chevrolet Monte Carlo? No one in their right mind looks forward to buying auto insurance, particularly when they are paying too much. With so many options when it comes to auto insurance, it can be hard to choose the most cost effective provider.

Are you getting all your discounts?

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but a few need to be asked about before you will receive the discount. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Memberships – Participating in a professional or civic organization could qualify you for a break when shopping for insurance coverage for Monte Carlo coverage.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Safety Course Discount – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
  • Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

Consumers should know that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will cut your overall premium however.

Companies that may have these money-saving discounts include:

Before buying, ask each company how you can save money. Discounts may not be available in your area.

What determines your Chevy Monte Carlo insurance premium

An important part of buying insurance is that you know the rating factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to better auto insurance rates.

The list below includes a few of the “ingredients” used by your company to calculate prices.

  • Rate your vehicle for proper use – The more miles you rack up on your Chevy in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your auto insurance policy shows how each vehicle is driven. Incorrect usage on your Monte Carlo can cost quite a bit.
  • Discounts for multiple policies – Most insurers give discounts to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to compare rates to verify if the discount is saving money. You may still be able to find better rates by buying insurance from more than one company.
  • Being married can save on auto insurance – Having a spouse can get you a discount on your policy. Having a significant other usually means you are more mature than a single person and it’s proven that being married results in fewer claims.
  • Your age impacts your rates – Mature drivers are more responsible, file fewer claims and get fewer tickets. Teenage drivers are known to get distracted easily in a vehicle therefore auto insurance rates are much higher.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out whether or not you might need professional guidance.

  • Do I have coverage for damage caused while driving under the influence?
  • Does my policy cover me when driving someone else’s vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • How much liability do I need to cover my assets?
  • Is my 1997 Chevy Monte Carlo covered for smoke damage?
  • How does medical payments coverage work?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Car insurance coverage information

Knowing the specifics of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average auto insurance policy.

Auto liability

This provides protection from damage that occurs to people or other property in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, theft and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for EMT expenses, X-ray expenses, surgery and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays for damage to your Monte Carlo resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, hitting a mailbox, damaging your car on a curb, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Keep this in mind

We just presented many ideas to save on 1997 Chevy Monte Carlo insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced insurance coverage comes from a lesser-known regional company. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. The aim is to find the BEST coverage for the lowest price.

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