Best Chevrolet Monte Carlo Car Insurance in 2024 (Check Out the Top 10 Companies)
For the best Chevrolet Monte Carlo car insurance, Progressive stands out as the top overall pick, with monthly rates starting at $65. Geico and Liberty Mutual also offer competitive rates and flexible coverage options. Compare these top providers to find the most affordable rates for your Monte Carlo.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Oct 19, 2024
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UPDATED: Oct 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Full Coverage for Chevrolet Monte Carlo
A.M. Best Rating
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3,607 reviews
The top pick for the best Chevrolet Monte Carlo car insurance is Progressive, known for offering the best overall rates and comprehensive coverage. Geico and Liberty Mutual also provide excellent options with competitive pricing and flexible policies.
When selecting insurance for your Monte Carlo, it’s essential to consider factors like model year and safety features, as these can affect your premium. This article reviews the top providers to help you find the best coverage for your vehicle. Obtain further insights from our “Car Insurance Coverage Limits.”
Our Top 10 Company Picks: Best Chevrolet Monte Carlo Car Insurance
Company Rank Multi-Policy Discount A.M. Best Best For Jump to Pros/Cons
#1 10% A++ Online Tools Progressive
#2 15% A++ Low Rates Geico
#3 12% A Flexible Policies Liberty Mutual
#4 10% A++ Military Families USAA
#5 10% A+ Accident Forgiveness Allstate
#6 15% A+ Customer Service Amica
#7 15% A++ Customizable Policies Farmers
#8 13% A++ Teen Drivers American Family
#9 12% A High-Risk Drivers Safeco
#10 10% A Hybrid Vehicles Travelers
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#1 – Progressive: Top Overall Pick
Pros
- Comprehensive Online Tools: Progressive offers a robust set of online tools that make managing Chevrolet Monte Carlo car insurance policies easier. Their tools are particularly useful for Monte Carlo owners who prefer digital interactions, allowing for quick claims and policy adjustments.
- Attractive Multi-Policy Discounts: Chevrolet Monte Carlo owners can benefit from Progressive’s multi-policy discount of up to 10%, making it cost-effective for those who bundle their car insurance with other policies like home or renters insurance.
- Strong Financial Stability: With an A++ rating from A.M. Best, Progressive’s financial strength provides confidence that they can handle large-scale claims, ensuring Chevrolet Monte Carlo owners are covered in times of need. Check out our Progressive car insurance discounts for more details.
Cons
- Higher Premiums for High-Risk Drivers: While Progressive has many strengths, Chevrolet Monte Carlo owners who are high-risk drivers might find premiums on the higher side, which could make their car insurance less affordable.
- Limited Local Agent Interaction: For Chevrolet Monte Carlo owners who prefer face-to-face service, Progressive’s focus on online tools might limit the personal interaction available through local agents.
#2 – Geico: Best for Low Rates
Pros
- Low Rates for Monte Carlo Owners: Geico is well-known for offering some of the lowest rates in the industry, making their car insurance highly attractive for Chevrolet Monte Carlo owners seeking affordable coverage.
- Generous Multi-Policy Discounts: Chevrolet Monte Carlo owners can save up to 15% on their car insurance by bundling with other Geico insurance products, maximizing savings across different coverage needs.
- Strong Financial Health: Geico’s A++ rating from A.M. Best reflects their ability to pay out claims, offering peace of mind for Chevrolet Monte Carlo owners who want reliable insurance coverage. Explore our Geico car insurance review for more insights.
Cons
- Limited Coverage Customization: While Geico’s rates are competitive, Chevrolet Monte Carlo owners looking for highly customizable insurance policies might find Geico’s options somewhat limited.
- Less Personal Interaction: Geico’s model relies heavily on online and phone-based customer service, which may not appeal to Chevrolet Monte Carlo owners who prefer in-person interactions with agents.
#3 – Liberty Mutual: Best for Flexible Policies
Pros
- Flexible Policy Options: Liberty Mutual offers a wide range of customizable insurance policies, making it easier for Chevrolet Monte Carlo owners to tailor their car insurance coverage to their specific needs. Please review our Liberty Mutual car insurance discounts for additional information.
- Solid Multi-Policy Discounts: Chevrolet Monte Carlo owners can take advantage of up to 12% in discounts when bundling their car insurance with other Liberty Mutual policies, adding value to their insurance plans.
- Reputation for Reliable Claims Handling: Liberty Mutual’s strong reputation for handling claims efficiently is a key benefit for Chevrolet Monte Carlo owners, ensuring timely support when it’s needed most.
Cons
- Higher Premiums for Some Drivers: Liberty Mutual’s premiums may be higher for certain Chevrolet Monte Carlo owners, particularly those who do not qualify for discounts or have less-than-perfect driving records.
- Mixed Customer Service Reviews: Some Chevrolet Monte Carlo owners might experience variability in customer service, with reports of inconsistent support from Liberty Mutual agents.
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#4 – USAA: Best for Military Families
Pros
- Exceptional Coverage for Military Families: USAA offers specialized car insurance options tailored for Chevrolet Monte Carlo owners who are part of military families, providing unique benefits and discounts not available through other insurers.
- Top-Tier Financial Strength: With an A++ rating from A.M. Best, USAA’s financial stability ensures that Chevrolet Monte Carlo owners have reliable insurance support, particularly in times of significant claims.
- Competitive Multi-Policy Discounts: Chevrolet Monte Carlo owners can save by bundling car insurance with other USAA products, benefiting from up to 10% in discounts. Explore our USAA car insurance discounts for additional insights.
Cons
- Eligibility Restrictions: USAA’s car insurance is limited to military members and their families, which means Chevrolet Monte Carlo owners who do not meet this criterion are ineligible for their coverage.
- Limited Local Branches: USAA’s focus on online and phone services means that Chevrolet Monte Carlo owners who prefer in-person service might find it challenging to access local branch support.
#5 – Allstate: Best for Accident Forgiveness
Pros
- Accident Forgiveness for Monte Carlo Owners: Allstate’s accident forgiveness program ensures that Chevrolet Monte Carlo owners won’t see a rate increase after their first accident, which can provide long-term savings and peace of mind.
- Strong Financial Stability: With an A+ rating from A.M. Best, Allstate offers a solid financial foundation, ensuring reliable car insurance coverage for Chevrolet Monte Carlo owners when they need it most. Please read our Allstate car insurance review for more information.
- Multi-Policy Discounts Available: Chevrolet Monte Carlo owners can benefit from up to 10% in discounts when bundling their car insurance with other Allstate products, such as home or life insurance.
Cons
- Higher Base Premiums: Chevrolet Monte Carlo owners might find Allstate’s base premiums to be on the higher side, making their car insurance less affordable without the application of discounts.
- Mixed Reviews on Customer Service: Some Chevrolet Monte Carlo owners have reported inconsistent customer service experiences with Allstate, which could impact their satisfaction with their car insurance coverage.
#6 – Amica: Best for Customer Service
Pros
- Exceptional Customer Service: Amica is renowned for its top-tier customer service, making it an excellent choice for Chevrolet Monte Carlo owners who value personalized and attentive insurance support.
- Multi-Policy Discount Advantage: Chevrolet Monte Carlo owners can save up to 15% by bundling their car insurance with other Amica products, offering significant savings on comprehensive coverage. Check out our Multiple line car insurance discounts for additional details.
- Financially Secure Insurer: With an A+ rating from A.M. Best, Amica provides financial security for Chevrolet Monte Carlo owners, ensuring their car insurance needs are well-protected.
Cons
- Higher Premiums for Full Coverage: Chevrolet Monte Carlo owners looking for full coverage may find Amica’s premiums higher than some competitors, which could make their insurance less budget-friendly.
- Limited Online Tools: While Amica excels in customer service, Chevrolet Monte Carlo owners seeking extensive online tools for managing their car insurance may find Amica’s digital offerings lacking compared to other providers.
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#7 – Farmers: Best for Customizable Policies
Pros
- Highly Customizable Policies: Farmers allows Chevrolet Monte Carlo owners to tailor their car insurance policies to fit their exact needs, offering a wide range of coverage options and add-ons.
- Significant Multi-Policy Discounts: Chevrolet Monte Carlo owners can save up to 15% by bundling their car insurance with other Farmers products, maximizing savings across various insurance types.
- Strong Financial Ratings: With an A++ rating from A.M. Best, Farmers provides reliable financial backing, ensuring Chevrolet Monte Carlo owners have dependable insurance protection. For further information, read our Farmers car insurance review.
Cons
- Higher Premiums for Comprehensive Coverage: Farmers’ customizable options often come with higher premiums, which might be a drawback for Chevrolet Monte Carlo owners seeking affordable car insurance.
- Varied Customer Service Experiences: While Farmers is known for its flexibility, some Chevrolet Monte Carlo owners may experience inconsistent customer service, which could affect their satisfaction with their car insurance.
#8 – American Family: Best for Teen Drivers
Pros
- Ideal for Teen Drivers: American Family offers specialized coverage and discounts for families with teen drivers, making it a great option for Chevrolet Monte Carlo owners with young drivers in the household.
- Solid Multi-Policy Discounts: Chevrolet Monte Carlo owners can benefit from up to 13% in discounts by bundling their car insurance with other American Family policies, reducing overall insurance costs. For more information, please refer to our American Family car insurance review.
- Strong Financial Standing: With an A++ rating from A.M. Best, American Family provides reliable financial support for Chevrolet Monte Carlo owners, ensuring their car insurance claims are handled smoothly.
Cons
- Limited Availability: American Family’s car insurance coverage is not available in all states, which might limit options for some Chevrolet Monte Carlo owners.
- Higher Premiums for Young Drivers: Despite offering specialized coverage, Chevrolet Monte Carlo owners with teen drivers might find that American Family’s premiums for young drivers are higher compared to other insurers.
#9 – Safeco: Best for High-Risk Drivers
Pros
- Specialized Coverage for High-Risk Drivers: Safeco is known for offering car insurance tailored to high-risk drivers, making it a strong option for Chevrolet Monte Carlo owners who have less-than-perfect driving records.
- Multi-Policy Discount Benefits: Monte Carlo owners can enjoy up to 12% in savings by bundling their car insurance with other Safeco policies, offering financial relief for those needing multiple types of coverage.
- Reliable Financial Strength: With an A rating from A.M. Best, Safeco provides a solid financial foundation, ensuring that Chevrolet Monte Carlo owners have dependable insurance support. To find out more, please refer to our Safeco car insurance review.
Cons
- Higher Rates for High-Risk Insurance: Despite specializing in coverage for high-risk drivers, Monte Carlo owners might still face higher premiums with Safeco, making their car insurance less affordable.
- Limited Online Tools: Chevrolet Monte Carlo owners seeking extensive digital tools to manage their car insurance might find Safeco’s online offerings less robust compared to other insurers.
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#10 – Travelers: Best for Hybrid Vehicles
Pros
- Tailored Coverage for Hybrid Vehicles: Travelers offers specialized car insurance options for hybrid vehicle owners, making it a strong choice for Chevrolet Monte Carlo owners who have a hybrid model.
- Multi-Policy Discounts Available: Chevrolet Monte Carlo owners can take advantage of up to 10% in discounts by bundling their car insurance with other Travelers policies, saving on overall insurance costs.
- Solid Financial Ratings: With an A rating from A.M. Best, Travelers provides financial security, ensuring that Chevrolet Monte Carlo owners have reliable insurance support in case of claims. To gather additional information, please read our Travelers car insurance review.
Cons
- Limited Hybrid Coverage Options: While Travelers offers tailored coverage for hybrid vehicles, Chevrolet Monte Carlo owners may find fewer options available compared to traditional car insurance.
- Higher Premiums for Certain Drivers: Some Chevrolet Monte Carlo owners might encounter higher premiums with Travelers, particularly if they do not qualify for discounts or have a less-than-perfect driving record.
Best Chevrolet Monte Carlo Car Insurance Rates: Monthly Breakdown by Coverage Level
Find the best car insurance rates for your Chevrolet Monte Carlo by comparing top providers. Explore monthly premiums for both minimum and full coverage options from Allstate, Geico, USAA, and more. Knowing your options can help you save on insurance costs.
Chevrolet Monte Carlo Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $85 $195
American Family $78 $180
Amica $92 $190
Farmers $93 $198
Geico $80 $170
Liberty Mutual $88 $195
Progressive $90 $185
Safeco $75 $185
Travelers $98 $198
USAA $65 $180
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Key Features That Impact Chevrolet Monte Carlo Car Insurance
First, let’s consider a few things about the make and model. The Chevrolet Monte Carlo was first manufactured in the year 1970 and was produced all the way until the year 2007, with the last version rolling out of production line on June 19, 2007.
There are certainly many years and variations on this model of car. All of these variances can play a role in deciding the price of your insurance.
For example, insurance for the 2007 version of the Monte Carlo would typically cost more than an older version, say the 1998 model, as it would cost more for the best car insurance company to replace due to features. In short, insurance for Monte Carlo SS is dependent on age. As in, Monte Carlo SS insurance is cheaper for older models.
So, for instance, 2006 Monte Carlo SS insurance would be more expensive than 2002 Monte Carlo SS insurance which would be more expensive than 1987 Monte Carlo SS insurance and so on.
If you are restoring a 1970 model of the car and need classic car insurance coverage, that is a completely different scenario. There is no one-answer-fits-all when dealing with such a particular model for vintage car insurance.
The good news is that the Monte Carlo ranks on a lot of lists of cars that tend to have low-cost car insurance. This can be due to safety features on certain year models, such as:
- 4-wheel antilock brakes
- Airbags
- Stability control (which help you to stay more in control no matter the weather conditions)
Statistically speaking, some cars do carry greater risks than others. Why is this so? Some have speculated that this phenomenon could be due to the type of drivers that certain cars attract. For the most part, the Monte Carlo has a good reputation for attracting safe drivers. It is a two-door coupe and a personal luxury car, but it’s not the most expensive car on the market.
For the insurance company, figuring out what you will pay to insure your new Monte Carlo is all a matter of statistics.
Insurance companies are a business like any other, and they need to make money in order to stay in business. In order to make money, they have to assess risk and loss on a case by case basis. How is your case looking? Before we move any further, here is a slice of nostalgia, a Chevrolet Monte Carlo ad from 1979.
A great way to accrue discounts is to either drive a car that comes preloaded with safety features or add them to the car after purchasing it. Let’s take a look at some more safety features car insurance discounts.
Car Insurance Safety Discounts Offered by Insurance Companies
| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
As you can see there are a variety of discounts that are applicable to most vehicles. With a standard car like the Monte Carlo, you could most likely take advantage of a fair amount of these discounts.
Driving a reasonable car like the Monte Carlo is a good start to get lower premiums. More luxurious cars such as the Porsche 911, Dodge Viper, and Jaguar pretty much guarantee you will be paying through the nose for regular car coverage.
From a statistical standpoint, small, fast, sports cars get into more crashes and have more speeding tickets and smaller fender-benders than sedan style cars do. This car is a large coupe version of a traditional sedan. It would be prudent to determine how your car insurance company defines sportscar.
Progressive offers the best overall car insurance for Chevrolet Monte Carlo owners with competitive rates starting at $65 a month and comprehensive coverage options.
Jimmy McMillan Licensed Insurance Agent
Common sense tells us when you deal with insurance companies, as soon as the risk goes up, the price goes up. Expenses of fixing the car also impact your rates. The same goes for older vehicles, who’s parts are harder to find, like the ’83 model shown in the next video.
If a car is rare or very pricey, you are once again paying the insurance company for the risks, this time from the mechanical replacement cost arena.
Your personal history and stats also play a big role in your overall rate. According to the Huffington Post, things such as age and gender will affect your price and cannot be controlled. Here is a quick video on factors that affect premiums.
The good news is, there are numerous factors within your power that you can use to your advantage:
- Your driving record will play a key role. Driving safely and following the rules of the road can help you to keep your record clean.
- Your credit score can also have an impact on your premiums. Many insurance companies have studied the statistics linking low credit scores to accident rates. Keep your score in the good range if you want to get the best deal on insurance.
- Marital status also affects rates. Married persons tend to make fewer claims and overall are involved in fewer accidents than those with a single status. We aren’t saying to rush out and get hitched just for a discount, of course, but it is something to know if you’re getting hitched anyway.
- Adding more drivers and vehicles onto a policy can qualify you for a discount. This can sometimes backfire, however, if your sweetheart has a terrible driving record.
And, of course, the amount of coverage you have is a factor. So, for instance, Allstate’s types of insurance include Allstate rideshare insurance and Allstate storage insurance.
You most likely don’t need these, but they would elevate your annual premium expenditure. Allstate’s full coverage cost would most likely be more worth it. Let’s take a look at all personal factors driving discounts available.
Car Insurance Personal Factor Discounts Offered by Insurance Companies
| Personal Car Insurance Discounts Offered | 21st Century | AAA | Allstate | American Family | Ameriprise | Amica | Country Financial | Esurance | Farmers | Geico | Liberty Mutual | MetLife | Nationwide | Progressive | Safe Auto | Safeco | State Farm | The General | The Hanover | The Hartford | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Newer Vehicle | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||||||
| Green Vehicle | x | x | x | x | x | x | x | |||||||||||||||
| Claim Free | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x |
| Continuous Coverage | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||||||
| Defensive Driver | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x |
| Distant Student | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||||||
| Driver's Ed | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||
| Early Signing | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||||||||
| Engaged Couple | x | |||||||||||||||||||||
| Family Legacy | x | x | x | x | x | x | ||||||||||||||||
| Family Plan | x | x | x | x | x | |||||||||||||||||
| Federal Employee | x | x | x | x | ||||||||||||||||||
| Full Payment | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||||
| Further Education | x | x | x | x | x | x | x | x | x | |||||||||||||
| Good Credit | x | x | x | x | ||||||||||||||||||
| Good Student | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x |
| Homeowner | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||||
| Life Insurance | x | x | ||||||||||||||||||||
| Low Mileage | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||
| Loyalty | x | x | x | x | x | x | x | x | x | x | x | x | ||||||||||
| Married | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||||||||
| Membership/Group | x | x | x | x | x | x | x | x | x | x | x | |||||||||||
| Military | x | x | x | x | x | x | x | x | x | x | x | |||||||||||
| Multiple Drivers | x | x | ||||||||||||||||||||
| Multiple Policies | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |
| Multiple Vehicles | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |
| New Address | x | |||||||||||||||||||||
| New Customer/New Plan | x | x | x | |||||||||||||||||||
| New Graduate | x | |||||||||||||||||||||
| Newly Licensed | x | |||||||||||||||||||||
| Newlyweds | x | |||||||||||||||||||||
| Non-Smoker/Non-Drinker | x | |||||||||||||||||||||
| Occasional Operator | x | |||||||||||||||||||||
| Occupation | x | x | x | x | x | x | x | x | x | x | x | x | ||||||||||
| On Time Payments | x | x | x | x | ||||||||||||||||||
| Online Shopper | x | x | ||||||||||||||||||||
| Paperless Documents | x | x | x | x | x | x | x | x | ||||||||||||||
| Paperless/Auto Billing | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||||
| Recent Retirees | x | x | ||||||||||||||||||||
| Renter | x | x | x | |||||||||||||||||||
| Safe Driver | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||
| Seat Belt Use | x | |||||||||||||||||||||
| Senior Driver | x | x | x | x | x | x | x | x | x | |||||||||||||
| Stable Residence | x | x | x | x | ||||||||||||||||||
| Students & Alumni | x | x | x | x | x | x | ||||||||||||||||
| Switching Provider | x | x | x | x | x | x | x | x | x | x | x | |||||||||||
| Volunteer | x | |||||||||||||||||||||
| Young Driver | x | x | x | x | x | x |
Notice how almost every insurer — with the exception of Country Financial, Liberty Mutual, and The Hanover — offers a safe driver discount. Take advantage of this if it applies. For additional insights, refer to our “Safe Driver Car Insurance Discounts.”
Ready to buy Chevrolet Monte Carlo car insurance? Get started right now by entering your ZIP code and comparing Monte Carlo car insurance rates.
Frequently Asked Questions
How much does car insurance cost for a Chevrolet Monte Carlo?
Costs vary based on factors like model year and features. Comparison shopping online can help you find the best rates.
Explore further details in our “Best Chevrolet Spark Car Insurance.”
What factors affect car insurance rates for a Chevrolet Monte Carlo?
Factors include model year, safety features, and car value. Newer models may have higher costs.
How do personal factors affect car insurance costs for a Chevrolet Monte Carlo?
Personal factors like age, gender, driving record, and location can influence costs.
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How can I compare car insurance quotes for a Chevrolet Monte Carlo?
Use a comparison tool with your ZIP code to find quotes from different companies.
Are there discounts available for car insurance on a Chevrolet Monte Carlo?
Yes, discounts may be available for safety features, good driving records, and more.
Dive deeper into our “Best Chevrolet Aveo Car Insurance” for a comprehensive understanding.
What should I know about comprehensive coverage for a Chevrolet Monte Carlo?
Comprehensive coverage for a Chevrolet Monte Carlo protects against non-collision-related damages like theft, vandalism, natural disasters, and falling objects. It’s essential for full protection but increases your premium. Consider it if your Monte Carlo has a high value or is frequently parked in areas prone to risks.
Does adding safety features to my Chevrolet Monte Carlo lower insurance costs?
Yes, adding safety features to your Chevrolet Monte Carlo can lower insurance costs. Features like anti-lock brakes, airbags, and anti-theft devices reduce the risk of accidents and theft, leading to discounts on your insurance premium.
Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool to find the best policy for you.
How does my location affect Chevrolet Monte Carlo insurance rates?
Your location significantly affects Chevrolet Monte Carlo insurance rates. Urban areas with higher traffic and crime rates typically result in higher premiums, while rural areas with fewer accidents and thefts may have lower rates. Additionally, states have different minimum insurance requirements that can influence costs.
What is the average cost of full coverage for a Chevrolet Monte Carlo?
The average cost of full coverage for a Chevrolet Monte Carlo typically ranges between $100 to $150 per month, depending on the provider and location. Full coverage includes liability, collision, and comprehensive insurance, providing more extensive protection.
Delve into the depths of our “Best Chevrolet HHR Car Insurance” for additional insights.
Can I insure a modified Chevrolet Monte Carlo?
Yes, you can insure a modified Chevrolet Monte Carlo, but it may require specialized insurance. Standard policies might not cover aftermarket modifications, so consider a policy that includes or is tailored for custom parts and modifications, ensuring full coverage.
How does my credit score influence Chevrolet Monte Carlo insurance rates?
Your credit score influences Chevrolet Monte Carlo insurance rates as insurers use it to assess risk. A higher credit score often leads to lower premiums, while a lower score can result in higher rates. Maintaining good credit can help you secure more affordable insurance.
What is the difference in insurance costs between a new and used Chevrolet Monte Carlo?
Insurance costs for a new Chevrolet Monte Carlo are generally higher than for a used one due to its higher value, which increases the cost of repairs and replacement. However, newer cars often have advanced safety features that could offset some of the insurance cost.
How much does uninsured motorist coverage cost for a Chevrolet Monte Carlo?
The cost of uninsured motorist coverage for a Chevrolet Monte Carlo typically ranges from $50 to $150 annually, depending on the coverage limits and your location. This coverage protects you if you’re involved in an accident with an uninsured or underinsured driver.
Uncover more about our “Best Chevrolet Impala Car Insurance” by reading further.
What are the most common claims for Chevrolet Monte Carlo owners?
Common claims for Chevrolet Monte Carlo owners include collision damage, theft, and vandalism. Comprehensive coverage is often utilized for weather-related damages, while liability claims are common in accidents involving other vehicles or property.
Does the Chevrolet Monte Carlo have a higher theft rate affecting insurance?
The Chevrolet Monte Carlo is a classic car and may have a higher theft rate compared to newer models, especially if it’s a sought-after version. This increased risk can lead to higher insurance premiums, particularly for comprehensive coverage.
How do multi-car policies affect Chevrolet Monte Carlo insurance rates?
Multi-car policies can lower Chevrolet Monte Carlo insurance rates by offering a discount for insuring more than one vehicle with the same provider. This bundling can save you up to 25% on your total premium, making it a cost-effective option for families.
What are the penalties for not insuring a Chevrolet Monte Carlo?
Penalties for not insuring a Chevrolet Monte Carlo vary by state but can include fines, license suspension, and vehicle impoundment. Driving without insurance also exposes you to financial risks if you’re involved in an accident, as you’ll be responsible for all damages and liabilities.
Expand your understanding with our “Best Chevrolet Cruze Car Insurance.”
How does the annual mileage driven affect Chevrolet Monte Carlo insurance costs?
Annual mileage driven directly affects Chevrolet Monte Carlo insurance costs. The more you drive, the higher your premium, as increased mileage raises the likelihood of accidents. Low-mileage drivers may qualify for discounts, reducing their insurance costs.
Can I get usage-based insurance for a Chevrolet Monte Carlo?
Yes, you can get usage-based insurance for a Chevrolet Monte Carlo. This type of insurance calculates premiums based on your driving habits, including mileage, speed, and braking patterns. It can be a cost-effective option if you drive infrequently or have safe driving habits.
How does the resale value of a Chevrolet Monte Carlo impact insurance?
The resale value of your Chevrolet Monte Carlo impacts insurance because higher-valued vehicles often require more coverage, increasing premiums. However, if your Monte Carlo is older with a lower resale value, you may opt for less coverage, reducing your insurance costs.
What is gap insurance, and do I need it for my Chevrolet Monte Carlo?
Gap insurance covers the difference between what you owe on your Chevrolet Monte Carlo and its actual cash value if it’s totaled. It’s essential if you have a loan or lease on your car, especially if its value depreciates faster than your loan balance.
Gain deeper insights by exploring our “Best Chevrolet Cobalt Car Insurance.”
How do I compare Chevrolet Monte Carlo insurance quotes?
To compare Chevrolet Monte Carlo insurance quotes, gather information from multiple providers, considering coverage options, deductibles, and discounts. Use online comparison tools or consult with an insurance agent to find the best rates and coverage for your needs.
Does bundling home and auto insurance lower Chevrolet Monte Carlo rates?
Yes, bundling home and auto insurance can lower Chevrolet Monte Carlo rates. Many insurers offer discounts of up to 25% when you combine multiple policies, making it a cost-effective way to save on your overall insurance costs.
What are the top insurance providers for classic Chevrolet Monte Carlos?
Top insurance providers for classic Chevrolet Monte Carlos include Hagerty, Grundy, and American Collectors Insurance. These companies specialize in classic and vintage car insurance, offering coverage tailored to the unique needs of older vehicles.
How do insurance rates for the Chevrolet Monte Carlo vary by state?
Insurance rates for the Chevrolet Monte Carlo vary by state due to differences in regulations, risk factors, and required coverage levels. States with higher traffic density, accident rates, or higher minimum coverage requirements generally have higher insurance costs.
Learn more about our “Best Chevrolet Blazer Car Insurance” for a broader perspective.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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