Buy Chevy Monte Carlo Insurance for Less Money while Keeping Important Coverages

Buy Chevy Monte Carlo Insurance for Less Money while Keeping Important Coverages

Drivers have lots of choices when trying to find affordable Chevy Monte Carlo insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to compare rates. There are more efficient ways to buy car insurance and you need to know the quickest way to get price quotes on a Chevy and locate the lowest price from both online companies and local agents.

Use discounts to get cheaper car insurance rates

Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts that may help make it more affordable. Certain discounts will be triggered automatically when you complete an application, but a few must be inquired about before they will apply.

  • Discounts for Government Workers – Active or retired federal employment may qualify for a discount when you on Monte Carlo coverage with select insurance companies.
  • Safe Drivers – Insureds without accidents may save up to 50% more on Monte Carlo coverage than drivers with accidents.
  • Good Grades Discount – Performing well in school can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Active Military Service – Having a deployed family member could mean lower prices.
  • Safety Restraint Discount – Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But all discounts should help lower your overall premium however.

If you would like to view providers who offer online car insurance quotes, follow this link.

The quickest method to compare car insurance company rates takes advantage of the fact auto insurance companies participate in a system to provide you with a free rate quote. All you need to do is provide a small amount of information like whether you are married, what your job is, how much education you have, and if you require a SR-22. Your rating data is automatically sent to many of the top insurers and they return rate quotes almost instantly.

To check rates for your Chevy Monte Carlo now, click here and enter your coverage details.

Find Cheap Car Insurance with These Tips

Multiple criteria are used in the calculation when premium rates are determined. Some factors are common sense like a motor vehicle report, but other factors are less obvious such as your credit history or how safe your car is.

The items below are a few of the things car insurance companies consider when setting your rate level. auto insurance

  • Gals pay lower rates – Over time, data shows that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Females and males tend to get into auto accidents at a similar rate, but the male of the species tend to have higher claims. They also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Alarms and GPS tracking lowers prices – Purchasing a vehicle with anti-theft technology or alarm system can earn a premium discount. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft and help bring rates down.
  • Frequent policy claims will cost you more – If you frequently file small claims, you can pretty much guarantee higher rates. Car insurance companies provide the best rates to drivers who only file infrequent claims. Your car insurance is meant to be used in the event of claims that pose a financial burden.
  • Cautious drivers pay less – A bad driving record can have a huge impact on auto insurance premiums. Good drivers get better prices as compared to those with violations. Even one ticket can increase the cost of insurance by as much as thirty percent. Drivers who have received flagrant citations such as DUI, reckless driving or excessive speeding may find they need to maintain a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Save money with higher coverage deductibles – Deductibles for physical damage tell how much the insured will be required to pay if the claim is covered. Insurance for physical damage to your car, aka comp and collision, covers damage that occurs to your car. Some coverage claims are collision with another vehicle, damage caused by hail, or theft of your vehicle. The more you pay before a claim is paid (deductible), the less your car insurance will be on Monte Carlo coverage.
  • Lower rates with a multi-policy discount – Most major companies give better rates to insureds who buy several policies from them in the form of a multi-policy discount. Even with this discount applied, drivers will still want to comparison shop to guarantee you are still saving the most. You may still be able to save more without the discount even if you insure with multiple companies
  • Employer stress can make you pay more – Occupational choices like military personnel, architects and accountants generally pay higher rates than the rest of us because of job stress and lots of time spent away from family. On the flip side, careers such as farmers, engineers and the unemployed have the lowest average rates on Monte Carlo coverage.

Insurance agents near you

Many people just want to have an agent’s advice and that is not a bad decision Agents can help you build your policy and help in the event of a claim. An additional benefit of comparing insurance prices online is that you can obtain cheap car insurance rates and still buy from a local agent.

Once you complete this form (opens in new window), your insurance data is transmitted to participating agents who want to provide quotes for your business. You don’t have to leave your house as quotes are delivered directly to your email. If you wish to compare rates from a specific car insurance provider, you just need to go to their quote page and give them your coverage information.

Choosing an company should include more criteria than just the bottom line cost. These are valid questions to ask:

  • Does the company have a local claim office?
  • Are they properly licensed to sell insurance in your state?
  • Which insurance companies are they affiliated with?
  • How does the company pay claims for a total loss?
  • Are they giving you every discount you deserve?
  • Do the agents have professional certifications like CPCU or CIC?
  • Is the coverage adequate for your vehicle?

If you’re trying to find a good insurance agent, you need to know there are two types of insurance agents and how they can quote your rates. Agents are classified as either captive or independent (non-captive). Either type can write policy coverage, but it’s a good idea to understand the subtle differences since it could factor into your selection of an agent.

Captive Insurance Agencies

Captive agents can only provide one company’s prices such as Allstate, AAA, Farmers Insurance, and State Farm. Captives cannot provide rate quotes from other companies so they have no alternatives for high prices. Captives are usually quite knowledgeable on sales techniques and that allows them to sell at a higher price point. Many people use the same captive agent mainly due to the prominence of the brand rather than having low rates.

Independent Agents (or Brokers)

These agents often have many company appointments and that is an advantage because they can write policies amongst many companies and find the cheapest rate. If prices rise, an independent agent can move your coverage which makes it simple for you. When searching for an agent, you will definitely want to include rate quotes from several independent insurance agents to get the most accurate price comparison. They often place coverage with lesser-known insurance companies who may have lower rates.

To help find insurance agencies near you, you can view this directory of insurance agents in your state.

Drivers who switch save $491 a year? Really?

Consumers constantly see and hear ads that claim the cheapest rates by State Farm, Allstate and GEICO. All the ads have a common claim about savings if you get a free and switch your policy.

It sounds good, but how can they all give you a better price? It’s all in how they say it.

Monte Carlo insurance cheap

All companies have a preferred profile for the type of customer that will most likely be profitable. An example of a driver they prefer could possibly be between the ages of 40 and 55, has a clean driving record, and drives less than 10,000 miles a year. Any customer who fits that profile will get very good premium rates and is almost guaranteed to cut their rates substantially.

Insureds who may not quite match this ideal profile must pay a higher premium and this results in the driver buying from a lower-cost company. If you listen closely, the ads state “people who switch” not “all people who quote” can save as much as they claim. That is how insurance companies can confidently state the savings. Because each company has a different risk profile, you absolutely need to compare quotes as often as possible. It’s just not possible to know with any certainty which company will have the best prices for your profile.

Quote more, save more

In this article, we covered many ideas to get a better price on Chevy Monte Carlo insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers may even find the most savings is with some of the smallest insurance companies.

Lower-priced Chevy Monte Carlo insurance is attainable both online and with local insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who may not provide online rate quotes and these small insurance companies sell through independent agents.

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. In many instances, an insured dropped collision coverage only to discover later that it was a big error on their part. Your focus should be to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.