2001 Chevrolet Monte Carlo Insurance Quotes – 7 Ideas for Best Rates

Expensive auto insurance can dwindle your savings account and force you to make sacrifices. Doing a price comparison is a smart way to cut your insurance bill.

There are many car insurance companies to pick from, and although it’s a good thing to have a choice, it can be more difficult to find the lowest rates.

Choosing the best insurance company for you is not that difficult. Basically, anyone who has to buy insurance coverage will most likely be able to find better rates. But drivers must comprehend the way companies compete online and apply this information to your search.

Discounts are great for lower rates

Companies offering auto insurance do not list every discount in a way that’s easy to find, so we took the time to find some of the more common as well as the least known ways to save on car insurance.

  • Military Discounts – Being on active duty in the military can result in better rates.
  • Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Good Student Discount – This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • Discount for New Cars – Insuring a new car is cheaper since new cars are generally safer.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Defensive Driving Course – Successfully completing a course in driver safety could save 5% or more if your company offers it.
  • Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.

Keep in mind that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free car insurance policy, companies wouldn’t make money that way.

For a list of companies who offer car insurance discounts, click this link.

You may need specialized coverage

When buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • How much liability coverage do I need in my state?
  • Are rock chip repairs covered?
  • Am I covered if I crash into my own garage door?
  • What can I do if my company denied a claim?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I pay less if my vehicle is kept in my garage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when driving in Canada or Mexico?
  • I have health insurance so do I need medical payments coverage?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Information about specific coverages

Having a good grasp of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.

Collision insurance

Collision insurance covers damage to your Monte Carlo resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for chiropractic care, rehabilitation expenses and doctor visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Because many people 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.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from a tornado or hurricane, falling objects, hitting a bird and a broken windshield. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability

This coverage can cover injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as court costs, emergency aid and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Better coverage you can count on

Discount 2001 Chevy Monte Carlo insurance is possible online and with local insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

We covered a lot of techniques to save on insurance. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even discover the best prices are with a small mutual company. Regional companies may only write in your state and offer lower rates than their larger competitors like State Farm, Geico and Nationwide.

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