Save on 2005 Chevrolet Monte Carlo Insurance Quotes

Paying for high-priced Chevrolet Monte Carlo insurance can empty your personal savings and force you to prioritize other expenses. Doing a price comparison is free and is an excellent way to cut your insurance bill.

Insurance companies such as Geico, 21st Century and Progressive continually hit you with TV and radio ads and it is difficult to see through the deception and effectively compare rates to find the best deal.

If you currently have car insurance, you stand a good chance to be able to save some money using this information. Finding the best rates is quite easy. But car owners need to learn how the larger insurance companies compete online because it can help you find the best coverage.

Take discounts and save

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but some must be asked about prior to getting the savings.

  • Defensive Driver – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Accident Waiver – A handful of insurance companies permit an accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for Monte Carlo coverage with certain companies.

Keep in mind that many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, you’re out of luck. Any amount of discount will bring down the amount you have to pay.

Insurance companies that may offer these benefits include:

Double check with each company which discounts you may be entitled to. Some discounts might not be offered in every state.

How to Compare Insurance Quotes

Performing a rate comparison can take time and effort if you don’t understand the best way to get rate quotes. You can waste a lot of time talking about coverages with insurance companies in your area, or you can utilize the internet to maximize your effort.

Most car insurance companies take part in a program that enables customers to send in one quote, and each participating company provides a quote based on that information. This saves time by eliminating quote requests to every company.

To access this free quoting program, click here to open in new window.

The only downside to using this type of form is you are unable to specify the companies to receive prices from. So if you want to choose specific insurance companies to compare, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but compare exactly the same information for each comparison quote. If each company quotes higher or lower deductibles it will be impossible to determine the lowest rate for your Chevy Monte Carlo. Slightly different limits can result in a big premium difference. And when comparing insurance rates, know that having more price comparisons helps locate better pricing.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. For example, these questions can aid in determining whether you might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • How can I get my company to pay me more for my totalled car?
  • Who is covered by my policy?
  • When should I buy a commercial auto policy?
  • Why am I required to get a high-risk car insurance policy?
  • If my 2005 Chevy Monte Carlo is totaled, can I afford another vehicle?
  • Am I covered when using my vehicle for business?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance coverages 101

Having a good grasp of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.

Liability insurance

Liability coverage protects you from damage that occurs to people or other property. It 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. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like bail bonds, funeral expenses, repair bills for other people’s vehicles, medical services and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, chiropractic care, surgery, hospital visits and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage covers damage to your Monte Carlo from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, hitting a mailbox, hitting a parking meter, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, a broken windshield and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

And the best car insurance company is…

In this article, we covered many ideas to lower your 2005 Chevy Monte Carlo insurance rates. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Drivers may discover the best price on car insurance is with the smaller companies. They can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

Budget-conscious insurance is possible on the web and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

Additional detailed information can be read by following these links: