1999 Chevrolet Monte Carlo Insurance Quotes

Trying to find the cheapest insurance rates for your Chevrolet Monte Carlo? Tired of not being able to afford to buy car insurance? Your situation is no different than many other drivers.

Drivers have multiple insurance companies to insure vehicles with, and although it’s a good thing to have a choice, lots of choices makes it harder to find the best rates for your vehicles.

It’s a good habit to do rate comparisons at least once a year due to the fact that insurance rates tend to go up over time. Just because you had the best price on Monte Carlo insurance on your last policy you will most likely find a better rate today. Don’t believe everything you read about insurance online, so with this article, you’re going to get some solid techniques on how to buy insurance cheaper.

Vehicle Insurance Comparison

When shopping for insurance coverage there are multiple ways to get quotes from insurance coverage companies in your area. The easiest way to find the cheapest 1999 Chevy Monte Carlo insurance rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

  • The single most time-saving way consumers can analyze rates is a comparison rater form (click to open form in new window). This method eliminates the need for separate quotation requests for each company you want a rate for. One form submission will get you rate comparisons from insurance coverage companies with the best prices.
  • A more time consuming way to get quotes online requires a trip to each individual company website to request a price quote. For sake of this example, let’s assume you want rates from Liberty Mutual, Allstate and GMAC. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just be sure to compare identical coverages and limits for every quote you compare. If your comparisons have different limits and deductibles on each one it’s not possible to make a fair comparison for your Chevy Monte Carlo. Quoting even small variations in limits can result in a big premium difference. And when quoting insurance coverage, remember that comparing more company’s prices will improve the odds of getting the best rates.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help highlight whether you might need professional guidance.

  • What is the minimum liability in my state?
  • What is PIP insurance?
  • Does my insurance cover a custom paint job?
  • Is my Chevy Monte Carlo covered if I use it for business?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage specifics

Having a good grasp of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, rock chips in glass, hail damage, damage from flooding and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

This will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as medical expenses, medical services, funeral expenses and loss of income. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for pain medications, prosthetic devices, EMT expenses, funeral costs and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Chevy Monte Carlo.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision protection

Collision coverage pays for damage to your Monte Carlo from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, scraping a guard rail and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.