This paper deals with miniaturization technique based on frequency reduction using top loaded dielectric discs. In contrast to a simple monopole, the resonant frequency of monopole loaded with two dielectric discs changes from 1.98 to 1.29 GHz, resulting 34.84% reduction in resonant frequency keeping the antenna length (36.00 mm) unaltered. It is well-known fact that dielectric material can trap the energy to be delivered from source to antenna and as a result, it is unable to radiate efficiently. Then any approach to use the dielectric material for miniaturization process must, therefore, antenna coupled in such a way that it can radiate efficiently. The dielectric disc on top of monopole creates an inductive situation in a similar way to oppositely directed wire loop compensate the capacitive effect present at monopole causes the reduction in resonant frequency. This concept is implemented without sacrificing any desired features like bandwidth, radiation characteristics and efficiency (more than 98%) and analyzed with an equivalent circuit model. Experimental results illustrate good agreement with simulation results. This monopole antenna in car can be designed for GPS system, car to car communication, GSM or CDMA operation.