What do the insurance companies consider the monte carlo to be? Sports car. Coupe or what?

 

i think it depends on the company. i know when i first started working for Nationwide, the type of car was one of the determining factors in your rate. when i left there though, about a year and a half ago, that had no effect on premiums anymore (nor did length of daily commute, while it still mattered to other companies). so i would say it depends on the company.

that said though...the MC isn't really a "sports car" is it??

 

Ok I am with Allstate if that helps any.

 

not sure, we didn't write business with allstate. you can call your agency or the company and they can tell you the details. it might also be listed on the declaration page of your policy.

 

mine is considered 2 door coupe to my insurance. obviously not being a sedan makes insurance a little higher, but while its still a V6 they dont ream me that bad. my insurance costs 75 dollars less than what it cost me to insure my last car, a 2000 volvo S80 T6. thats right, twin charged baby!
too bad some ******* had to run a red light and total it out with me in it
paid 12,500 for it
insurance gave me 12,000 for it because of the condition i kept it. said it looked like new and it was fully loaded blk/blk. Used to eat mustangs 24/7 haha.

 

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I think it depends on your trim and engine size.

 

I have State Farm insurance and that's exactly correct in their case.

I didn't ask about my Monte. But when first bought my 99 Grand Am GT, they asked me if it was a V6 Grand Am SE, or the V6 Grand Am GT. Reason was, even though both cars had the same engine and tranny and interior, the SE was considered a family car. The GT was considered a "sporty" car. The insurance agent said he's aware that it's only some minor cosmetic differences, but the parent company considers it a sporty car because of the "GT" image. Apparantly they think the name GT attracts more people who are into performance, and are more likely to be insurance risks.

Remembering that, when I told the agent I bought my Dale Jr edition Monte, I simply told him I bought a Monte Carlo and let him ask me questions as to what the details of it were. He asked me for the VIN and not much else.

Do the insurance companies have access to info on everyone's car by punching in the VIN?

 

Probably yes

 

Where I live it all depends on whether you have a 2 door or 4. Basically every 2 door car is put into a sports car category.