1994 Mitsubishi Montero Car Insurance Quotes

Trying to find the cheapest insurance for a Mitsubishi Montero can normally be a lot of work, but you can use these tips to find lower rates. There is a better way to find insurance online and you need to know the absolute fastest way to price shop coverage for a Mitsubishi and obtain the best price possible from local insurance agents and online providers.

Automobile Insurance Quotes

Getting a cheaper price on 1994 Mitsubishi Montero insurance can be quick and easy. Drivers just need to take time to get quotes provided by online insurance companies. This can be done in a couple of different ways.

  1. The easiest and least time consuming way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for repetitive form submissions to each individual car insurance company. Just one form gets you coverage quotes from many national carriers. This is by far the quickest method.
  2. A less efficient way to analyze rates requires visiting each individual company website and request a quote. For instance, we’ll assume you want to compare rates from Nationwide, Allstate and Farmers. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended method of getting rate comparisons is to spend time driving to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the professional advice of a licensed agent. You can, however, compare online quotes but still have the advice of a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just compare exactly the same coverages and limits for every company. If you enter different deductibles it’s not possible to make an equal comparison.

Discounts mean cheaper Mitsubishi Montero insurance rates

Companies don’t always advertise all available discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find ways to save on insurance coverage. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Organization Discounts – Participating in a qualifying organization may earn a discount when buying insurance coverage on Montero coverage.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Defensive Driving Course – Taking a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.

Companies that may have these money-saving discounts include:

Double check with each insurance company which discounts you may be entitled to. Some discounts might not apply in every state.

Mitsubishi Montero rate determination is complex

Smart consumers have a good feel for some of the elements that go into determining your car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to big savings.

  • Where you live can impact rates – Residing in small towns and rural areas can save you money when buying car insurance. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Fewer drivers means fewer accidents.
  • Bad driving skills means higher rates – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Even a single citation can boost insurance rates by as much as thirty percent. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Special features that cut premiums – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Do you work long hours in a high stress job? – Did you know your job can affect your rates? Careers like judges, architects and dentists are shown to have the highest average rates because of stressful work requirements and lots of time spent at work. Other occupations such as pilots, historians and performers pay the least on Montero coverage.
  • Protect your assets with liability insurance – Liability insurance is the coverage that protects you when you are found liable for damages caused by your negligence. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Older drivers save more – Older insureds are more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers are statistically proven to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.
  • Pleasure use saves money – The more miles you rack up on your Mitsubishi in a year the higher your rates will be. The majority of insurers apply a rate determined by how the vehicle is used. Vehicles left parked in the garage receive lower rates than vehicles that are driven to work every day. An improperly rated Montero may be costing you. Make sure your car insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
  • Sex matters – Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. They both tend to get into accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations like DUI and reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different.

For example, these questions could help you determine if your insurance needs may require specific advice.

  • What is PIP insurance?
  • Do I pay less for low miles?
  • Is extra glass coverage worth it?
  • Can I rent a car in Mexico?
  • Do I need added coverage for expensive stereo equipment?
  • Why does it cost so much to insure a teen driver?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Slick advertising tricks that work

Drivers can’t get away from ads for cheaper car insurance by companies like State Farm and Allstate. They all say the same thing that you can save after switching to them.

How do they all say the same thing?

All companies have a preferred profile for the type of driver that earns them a profit. For instance, a preferred risk might be between the ages of 40 and 55, has no driving citations, and has excellent credit. Any new insured who fits that profile will get very good rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t meet the requirements will be quoted a more expensive rate which usually ends up with business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that much. That’s why companies can make the claims of big savings. This emphasizes why it is so important to get quotes from several different companies. It’s not possible to predict which insurance companies will have the lowest Mitsubishi Montero insurance rates.

Educate yourself about car insurance coverages

Knowing the specifics of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses such as hospital visits, dental work and chiropractic care. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage


Liability insurance can cover damage that occurs to other people or property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like emergency aid, loss of income, repair bills for other people’s vehicles, bail bonds and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage protection

This coverage pays for damage to your Montero resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive car insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, damage from flooding, a broken windshield and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mitsubishi Montero.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

In Summary

People switch companies for a variety of reasons including delays in responding to claim requests, questionable increases in premium, being labeled a high risk driver or policy non-renewal. Regardless of your reason for switching companies, switching companies is easier than you think.

You just learned quite a bit of information on how to save on 1994 Mitsubishi Montero insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

When buying insurance coverage, do not buy less coverage just to save a little money. In many instances, an accident victim reduced physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Additional car insurance information is available below: