Cheap 1997 Mitsubishi Montero Sport Car Insurance Quotes

Nobody looks forward to buying auto insurance, especially when they are paying too much. Insurance companies such as GEICO, Progressive and Allstate continually hit you with advertising and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

Consumers should take time to shop coverage around on a regular basis because prices are variable and change quite frequently. Despite the fact that you may have had the best deal for Montero Sport insurance a year ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because we’re going to demonstrate how to quote online to get good coverage at a lower rate.

Save with discounts on 1997 Mitsubishi Montero Sport insurance

The price of auto insurance can be rather high, but companies offer discounts that can drop the cost substantially. Most are applied when you purchase, but lesser-known reductions have to be inquired about before you get the savings. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Montero Sport insurance with a few insurance companies.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will help reduce the amount you have to pay.

To see a list of companies who offer insurance discounts, click here to view.

Fast and Easy Car Insurance Quotes

Reducing your 1997 Mitsubishi Montero Sport insurance rates doesn’t have to be difficult. The only thing you need to do is spend a little time to compare rate quotes online from several insurance companies. This is very easy and can be done in several different ways.

  1. The single most time-saving way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating boring form submissions for each company you want a rate for. One simple form will get you price quotes from multiple low-cost companies.
  2. A more time consuming way to compare prices is to take the time to go to each individual company website to complete their respective quote request forms. For sake of this example, let’s say you want rates from State Farm, Allstate and Farmers. To get rate quotes you would need to visit each site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  3. The least recommended method to compare rates is driving around to different agent offices. The internet has reduced the need for local agents unless you prefer the personal advice of a local agent. You can, however, compare online quotes but still have the advice of a local agent and we’ll talk about that later.

Whichever way you use, ensure you are comparing apples-to-apples coverage information for every quote you compare. If you use different deductibles you will not be able to determine the lowest rate for your Mitsubishi Montero Sport.

Tailor your coverage to you

When buying the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different so this has to be addressed. For example, these questions can aid in determining if your situation would benefit from professional advice.

  • Does my 1997 Mitsubishi Montero Sport qualify for pleasure use?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need motorclub coverage?
  • Am I covered if I break a side mirror?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Auto insurance specifics

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from auto insurance companies.

Collision coverages – Collision coverage pays for damage to your Montero Sport from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1997 Mitsubishi Montero Sport.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills such as pain medications, X-ray expenses, ambulance fees, nursing services and chiropractic care. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability – This coverage will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like legal defense fees, emergency aid, bail bonds and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

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

Comprehensive can pay for claims like hail damage, a tree branch falling on your vehicle and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Don’t be a big spender

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your focus should be to find the BEST coverage at an affordable rate while still protecting your assets.

Budget-conscious 1997 Mitsubishi Montero Sport insurance can be sourced on the web and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide online quoting and these smaller companies work with independent agents.

More detailed car insurance information is located at these sites: