1996 Mitsubishi Montero Insurance Rates – 6 Ideas for Best Quotes

Consumers have a choice when looking for the best price on Mitsubishi Montero insurance. You can either waste hours contacting agents getting price quotes or use the internet to get rate quotes. There are both good and bad ways to shop for insurance so you’re going to learn the quickest way to price shop coverage for a Mitsubishi and find the cheapest rates either online or from local insurance agents.

How to Get Cheap Insurance Coverage

There are a lot of ways to compare insurance coverage quotes, but there is one way that is less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Most major companies belong to an insurance system where prospective buyers only type in their quote data once, and each participating company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions to each company.

To find out what other companies charge for 1996 Mitsubishi Montero insurance click here (opens in new window).

The one disadvantage to comparing rates this way is you are unable to specify which companies to get quotes from. So if you want to choose from a list of companies to compare prices, we have assembled a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same quote information on every quote. If you use different limits and deductibles on each one it’s not possible to determine the best price for your Mitsubishi Montero.

You may need specialized coverage

When buying adequate coverage, there really is not a perfect coverage plan. Each situation is unique.

For instance, these questions could help you determine whether you might need an agent’s assistance.

  • Is my dog or cat covered if injured in an accident?
  • What is the rate difference between pleasure use and commuting?
  • When would I need additional glass coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Where can I find DUI or SR-22 insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • If I drive on a suspended license am I covered?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things such as funeral expenses, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, a broken windshield, damage from a tornado or hurricane and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mitsubishi Montero.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for funeral costs, nursing services, ambulance fees, dental work and pain medications. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Collision insurance

This coverage covers damage to your Montero caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, damaging your car on a curb, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.