View 1998 Chevrolet Monte Carlo Insurance Quotes

Trying to find cheaper auto insurance rates for your Chevrolet Monte Carlo? Searching for cheaper insurance for a Chevy Monte Carlo can turn out to be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the best way to quote coverages on a Chevy and get the lowest possible price.

If you have a current auto insurance policy or are looking for a new policy, you can use this information to shop for the lowest rates and still get good coverage. Locating the best auto insurance coverage is easy if you know what you’re doing. Consumers just need to know the most effective way to shop for auto insurance online.

Where Can I Get Cheap Insurance?

Reducing your 1998 Chevy Monte Carlo insurance rates isn’t really that difficult. All you need to do is spend a few minutes on the computer comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the best ways to find low rates would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing separate forms for each company. One quote request will get you price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to compare rate quotes is to manually visit each company website and fill out their own quote form. For sake of this example, we’ll assume you want comparison quotes from State Farm, Esurance and Allstate. You would have to visit each site and enter your information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverages and limits on every quote. If you compare different deductibles then you won’t be able to determine the lowest rate for your Chevy Monte Carlo.

Don’t be fooled by advertising claims

Drivers can’t get away from ads for car insurance savings by Allstate, Geico and Progressive. They all make an identical promise that you’ll save big if you move to their company.

How do they all say the same thing? This is how they do it.

Different companies have a certain “appetite” for the type of driver that is profitable for them. For example, a driver they prefer could possibly be between 25 and 40, a clean driving record, and has a short commute. A customer getting a price quote who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who don’t qualify for this ideal profile will be quoted a more expensive rate which usually ends up with business going elsewhere. The ads say “customers that switch” not “people who quote” save that kind of money. That is how companies can truthfully state the savings. This emphasizes why drivers should compare as many rates as you can. You cannot predict the company that will give you the biggest savings on Chevy Monte Carlo insurance.

Discounts are basically free money

Car insurance companies don’t always publicize every discount very well, so we break down both the well known and the more hidden discounts you could be receiving. If you don’t get every credit available, you’re paying more than you need to.

  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Driver’s Ed – Have your child complete a driver education course if it’s offered in school.
  • Federal Employees – Active or retired federal employment may qualify you for a discount for Monte Carlo coverage with a few auto insurance companies.
  • Claim Free – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Monte Carlo coverage than drivers with accident claims.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.

Consumers should know that some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

Car insurance companies that may have some of the above discounts include:

Double check with all companies you are considering which discounts they offer. Discounts might not apply in your state.

Which insurance is the “right” coverage?

When choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help you determine whether your personal situation may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • If my pet gets injured in an accident are they covered?
  • Is a blown tire covered by insurance?
  • Am I covered when using my vehicle for business?
  • Can I make deliveries for my home business?
  • Do I need roadside assistance coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I afford low physical damage deductibles?
  • Do I need motorclub coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Car insurance coverages for a 1998 Chevy Monte Carlo

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Liability auto insurance – This can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as bail bonds, pain and suffering, legal defense fees, medical expenses and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical expenses – Med pay and PIP coverage kick in for short-term medical expenses such as surgery, hospital visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, vandalism, a tree branch falling on your vehicle, rock chips in glass and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – Collision coverage covers damage to your Monte Carlo caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, hitting a mailbox, hitting a parking meter, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

A penny saved is a penny earned

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There are many occasions where an insured cut comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The aim is to get the best coverage possible at the best price.

Drivers leave their current company for a variety of reasons including high prices, extreme rates for teen drivers, not issuing a premium refund or being labeled a high risk driver. It doesn’t matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.

In this article, we covered a lot of information how to save on 1998 Chevy Monte Carlo insurance. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even discover the lowest priced auto insurance comes from the smaller companies.

More information can be found on the following sites: