Save on 1997 Mitsubishi Montero Sport Insurance Rates

Searching for the cheapest car insurance rates for your Mitsubishi Montero Sport? Are you tired of scraping the payment together to buy car insurance? You are in the same boat as many other drivers.

You have so many auto insurance companies to choose from, and although it’s nice to have multiple companies, it can be more difficult to compare rates and cut insurance costs.

It’s smart to do rate comparisons yearly since insurance rates trend upward over time. Just because you found the best deal for Montero Sport coverage two years ago there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn the right way to get good coverage at a lower rate.

How to Compare Insurance Coverage

There are several ways to get quotes from local insurance coverage companies. The recommended way to compare 1997 Mitsubishi Montero Sport insurance prices is to get quotes online. This is very easy and can be done in several different ways.

  • One of the best ways to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form prevents you from having to do boring form submissions for each company you want a rate for. Filling out one form will get you price quotes instantly.
  • A more difficult way to compare prices is to manually visit each company’s website to complete a price quote. For example, let’s say you want rates from USAA, 21st Century and Geico. You would have to go to every website and enter your information, which is why the first method is quicker.

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

  • The most time-consuming way of getting rate comparisons is to spend your day driving to and from local insurance agencies. The internet can eliminate the need for a local agent unless you want the professional advice that only a license agent can provide. It is possible to get the lowest quotes online and still use a local agent and we’ll talk about that later.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples coverages on every quote you get. If you have different deductibles you will not be able to determine the best price for your Mitsubishi Montero Sport. Just a small difference in insurance coverages can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes will enable you to find a lower rate.

Save big with these discounts

Companies do not advertise every discount very clearly, so we break down some of the more common and also the lesser-known ways to save on car insurance.

  • New Car Discount – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • E-sign – A handful of insurance companies will give a small break just for signing your application online.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts compared to bad drivers.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for Montero Sport coverage with select insurance companies.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Bundle and Save – If you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • College Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can receive lower rates.

It’s important to note that most discount credits are not given the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies that possibly offer some of the above discounts may include but are not limited to:

Before buying, ask each insurance company which discounts you may be entitled to. Some discounts may not be available in your area.

Mitsubishi Montero Sport insurance rates can be determined by these details

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to lower car insurance prices.

  • Traffic violations increase rates – Just one citation can increase rates twenty percent or more. Good drivers get better rates compared to drivers with tickets. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state DMV in order to keep their license.
  • Better credit scores mean better rates – Having a bad credit rating is a large factor in determining what you pay for car insurance. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit. If your credit history can use some improvement, you could be paying less to insure your 1997 Mitsubishi Montero Sport by spending a little time repairing your credit.
  • High crash test scores lower rates – Vehicles with high crash test scores can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Mitsubishi is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Where you reside plays a part – Living in small towns and rural areas can be a good thing when buying car insurance. Fewer people means fewer accidents and a lower car theft rate. Urban drivers tend to have much more traffic to deal with and much longer commute distances. Longer commute distances means more change of being in an accident.
  • Liability coverage is cheap – Liability coverage is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide for a legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Keep rates low by being claim-free – Car insurance companies give discounts to insureds who are claim-free. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is intended to be relied upon for the large, substantial claims.

But I don’t know anything about car insurance

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine if your situation might need an agent’s assistance.

  • Can my teen drive my company car?
  • Do I have coverage when using my vehicle for my home business?
  • When would I need rental car insurance?
  • Is my babysitter covered when using my vehicle?
  • Does car insurance cover theft of personal property?
  • What companies insure drivers after a DUI or DWI?
  • How high should deductibles be on a 1997 Mitsubishi Montero Sport?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Information about specific coverages

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average car insurance policy.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, hail damage, a tree branch falling on your vehicle and falling objects. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for funeral costs, hospital visits, prosthetic devices and pain medications. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 1997 Mitsubishi Montero Sport.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability insurance

This coverage can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like court costs, bail bonds, medical expenses, legal defense fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

This coverage covers damage to your Montero Sport resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

More comparisons equals lower rates

In this article, we covered a lot of techniques to get a better price on 1997 Mitsubishi Montero Sport insurance. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may even find the biggest savings come from the least-expected company. Some small companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

While you’re price shopping online, you should never reduce coverage to reduce premium. Too many times, an insured dropped comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The aim is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Much more information about insurance coverage can be read below: