Save on 1996 Mitsubishi Montero Car Insurance Rates

Cutting costs on insurance coverage is nearly impossible for beginners to comparison shopping online. People have so many companies to choose from that it can turn into a real hassle to locate the lowest price.

If you currently have car insurance, you should be able to cut costs considerably using this strategy. Locating the cheapest protection is easy if you know what you’re doing. But drivers must understand how companies determine prices.

Compare Quotes for Car Insurance

Shopping for lower car insurance rates can be challenging if you don’t understand the fastest way to get free quotes. You can spend countless hours driving to agents in your area, or you can utilize online quoting to quickly compare rates.

Many of the larger companies belong to an insurance system that enables customers to send in one quote, and each participating company can give them a price based on that data. This saves time by eliminating repetitive form submissions to every company.

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The single downside to using this type of system is you can’t choose which insurance companies you want pricing from. So if you want to choose specific providers to compare, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

Which method you use is up to you, but compare exactly the same coverages on every quote. If each company quotes mixed coverages you can’t possibly find the best deal for your Mitsubishi Montero. Slightly different coverages may result in a large different in cost. And when quoting car insurance, remember that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Discounts are great for lower rates

Car insurance companies don’t always publicize every available discount in an easy-to-find place, so we researched some of the best known and the harder-to-find savings tricks you should be using.

  • E-sign – Certain companies will give a small break simply for signing online.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
  • Student in College – Kids in college who live away from home and do not have a car can be insured at a reduced rate.
  • Low Mileage Discounts – Fewer annual miles on your Mitsubishi can earn discounted rates on garaged vehicles.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Defensive Driver – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies that may offer these discounts include:

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

You may need specialized coverage

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions can aid in determining whether you would benefit from professional advice.

  • Am I insured when driving a different vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered if I crash into my own garage door?
  • What is covered by UM/UIM coverage?
  • Is my camper covered by my car insurance policy?
  • How much liability coverage do I need in my state?
  • Is my 1996 Mitsubishi Montero covered for flood damage?
  • If I drive on a suspended license am I covered?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Why your Mitsubishi Montero might be costing you more

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that can help you get better auto insurance rates.

  • Males pay more for insurance – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Women and men cause accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets such as DWI and reckless driving.
  • Teen drivers pay high rates – Mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers have a tendency to get distracted easily in a vehicle therefore auto insurance rates are much higher.
  • Never go without insurance – Not having insurance can get your license suspended and your next policy will cost more because you let your coverage lapse. Not only will rates go up, but being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Keep rates low by being claim-free – Car insurance companies award cheaper rates to drivers who do not file claims often. If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance is designed for the large, substantial claims.
  • Lower deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, protects your Mitsubishi from damage. Some instances where coverage would apply would be a windshield shattered by a rock, damage caused by hail, and windstorm damage. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more money you are required to pay out-of-pocket, the lower your rates will be for Montero insurance.

Misconceptions in auto insurance advertisements

Auto insurance providers like Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all say the same thing about savings after switching your policy. How do they all make the same claim?

Different companies have a preferred profile for the driver that is profitable for them. An example of a profitable customer might be between the ages of 30 and 50, has no prior claims, and has a high credit rating. Any new insured who matches those parameters will get very good rates and therefore will save quite a bit of money when switching.

Drivers who don’t meet the requirements will be charged higher rates which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can confidently make the claims of big savings. That is why it’s extremely important to get as many quotes as possible. It’s impossible to know the company that will fit your personal profile best.

Specific coverages for a Mitsubishi Montero

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage

Collision coverage covers damage to your Montero caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, driving through your garage door, rolling your car, crashing into a building and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, hitting a bird and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mitsubishi Montero.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Liability coverage

Liability coverage will cover damage or injury you incur to other’s property or people. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like medical services, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for prosthetic devices, doctor visits, nursing services and hospital visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Be a Smart Shopper

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where someone sacrificed collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Cheap 1996 Mitsubishi Montero insurance can be purchased from both online companies as well as from independent agents, and you need to price shop both so you have a total pricing picture. Some companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

We covered a lot of ways to compare insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a company that doesn’t do a lot of advertising.

Even more information can be found by following these links: