1997 Chevrolet Monte Carlo Insurance Quotes

Saving money on Driversinsurance coverage is always quite difficult for drivers who are beginners to comparison shopping online. There are so many options that it can easily become a chore to find the best rates.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Pricing cheaper protection is simple if you know the tricks. But consumers can benefit from knowing how insurance companies market on the web and take advantage of how the system works.

More affordable rates with these discounts

Companies offering auto insurance don’t always advertise every possible discount very well, so below is a list both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

• Multi-Vehicle Discounts – Buying a policy with all your vehicles on one policy may reduce the rate for each vehicle.
• Own a Home – Owning a home can save you money because of the fact that having a home requires a higher level of personal finance.
• Accident-Free Discounts – Drivers who stay claim-free get the best auto insurance rates as compared to bad drivers.
• Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up could cut 10% or more off PIP or medical payments premium.
• ABS Braking Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
• Auto/Life Discount – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy auto and life insurance together.

One last thing about discounts, some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, it’s just not the way it works.

A few companies who may offer some of the above discounts include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

Check with each company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in every state. To see providers that offer discounts, click here to view.

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Auto insurance can be complex

When choosing coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

• Is a fancy paint job covered?
• Should I have combined single limit or split liability limits?
• Should I drop comprehensive coverage on older vehicles?
• Do I need more liability coverage?
• Does coverage extend to a rental car in a foreign country?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What is medical payments coverage?
• What is UM/UIM insurance?
• Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

But they said I’d save $472 a year!

Car insurance providers like 21st Century, Allstate and State Farm continually stream ads in print and on television. They all advertise the message that you’ll save big just by moving your coverage. How can each company offer you a better deal? Just pay attention to how they say it.

Many companies have specific criteria for the type of driver that will generate a profit. A good example of a profitable risk profile could be over the age of 35, has a low-risk occupation, and insures a new vehicle. A customer getting a price quote that hits that “sweet spot” will get the preferred prices and will probably save quite a bit of money when switching.

Potential insureds who do not meet these stringent criteria will probably have to pay higher premium rates which leads to the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers that switch” not “everyone who quotes” save that much when switching. This is how insurance companies can make those claims. This really emphasizes why you absolutely need to get auto insurance quotes as often as possible. Because without a comparison, you cannot know the company that will have the lowest rate quotes.

Car insurance coverages for a 1997 Chevy Monte Carlo

Having a good grasp of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, rolling your car, backing into a parked car, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants 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.

Coverage for liability

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, emergency aid, legal defense fees, medical services and structural damage. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, hail damage, a tree branch falling on your vehicle and damage from getting keyed. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for X-ray expenses, ambulance fees and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

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Quote more. Save more.

People leave their current company for a number of reasons such as high prices, extreme rates for teen drivers, lack of trust in their agent or even policy non-renewal. No matter why you want to switch, finding a great new company is not as hard as you think.

Throughout this article, we presented a lot of tips how to save on 1997 Chevy Monte Carlo insurance. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest auto insurance. Consumers may even find the best premium rates are with an unexpected company.

Cheaper 1997 Chevy Monte Carlo insurance is available online and from local agencies, and you should compare rates from both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and many times these smaller companies work with independent insurance agents.

Even more information is available in the articles below:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Should I Buy a New or Used Car? (Allstate)
• Prom Night Tips for Teen Drivers (State Farm)
• Auto Theft Statistics (Insurance Information Insitute)

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