How Much Does 1997 Mitsubishi Montero Sport Insurance Cost?

Trying to find the cheapest auto insurance rates for your Mitsubishi Montero Sport? Finding affordable auto insurance can seem to be hard for beginners to comparison shopping online. Drivers have so many options available that it can turn into a ton of work to locate the lowest price.

It’s a good idea to price shop coverage occasionally since rates are constantly changing. Just because you had the lowest price on Montero Sport coverage last year a different company probably has better rates today. You can find a lot of wrong information about auto insurance on the internet, so by reading this article, you’re going to learn some tested techniques to save money.

If you currently have car insurance, you should be able to cut costs considerably using this strategy. Buying the lowest cost coverage is quite easy. But drivers can benefit from knowing the way insurance companies sell online and apply this information to your search.

Which Auto Insurance is Cheapest?

The are a couple different ways of comparing price quotes from local auto insurance companies. The simplest method to find competitive 1997 Mitsubishi Montero Sport insurance rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

  • The most efficient way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This method keeps you from doing separate quotes for each company you want a rate for. Taking the time to complete one form will get you price quotes from multiple low-cost companies. It’s the fastest way to compare.
  • A more time consuming way to compare prices is spending the time to visit the website for each individual company to complete their respective quote request forms. For example, let’s say you want to compare Geico, Safeco and Farmers. To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  • The least efficient way of getting rate comparisons is to waste gas driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional advice only provided by licensed agents. You can, however, get the lowest quotes online but buy from a local insurance agent and we’ll talk about that later.

Which method you use is up to you, but be sure to compare the exact same coverage limits and deductibles for each price quote. If you are comparing different values for each quote it will be impossible to decipher which rate is best. Quoting even small variations in insurance coverages can result in a big premium difference. Keep in mind that obtaining a wide range of quotes gives you a better chance of getting a lower rate.

How to save on Mitsubishi Montero Sport insurance

Auto insurance companies do not list all their discounts in a way that’s easy to find, so we break down both the well known and also the lesser-known savings tricks you should be using.

  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on Montero Sport coverage with a few insurance companies.
  • Discount for New Cars – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Drive Less and Save – Keeping the miles down on your Mitsubishi could be rewarded with a substantially lower rate.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on Montero Sport coverage than drivers with accident claims.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

For a list of insurers with the best insurance discounts, click this link.

Tailor your coverage to you

When choosing the best insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if you could use an agent’s help.

  • When should I buy a commercial auto policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Are my friends covered when driving my car?
  • Am I getting all the discounts available?
  • What is an SR-22 filing?
  • Should I carry comprehensive and collision coverage?
  • Do I need rental car coverage?
  • How much liability insurance is required?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Elements that influence Mitsubishi Montero Sport insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for insurance. Understanding what controls the rates you pay enables informed choices that will entitle you to better insurance rates.

  • More claims means more premium – Car insurance companies award lower rates to insureds who are claim-free. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Theft deterrents lower rates – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • A clean driving record saves money – Good drivers tend to pay less for car insurance than their less careful counterparts. Even a single ticket can increase rates twenty percent or more. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Better crash test results mean better rates – Vehicles with high crash test scores can get you lower premiums. Safer cars reduce injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Mitsubishi earned 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.

Auto insurance coverage options for a 1997 Mitsubishi Montero Sport

Having a good grasp of your auto insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as medical expenses, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle, theft and vandalism. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills for things like funeral costs, hospital visits and EMT expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

This coverage will pay to fix damage to your Montero Sport resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Save for a rainy day

Insureds change insurance companies for a variety of reasons including high prices, delays in paying claims, being labeled a high risk driver or even questionable increases in premium. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. In too many instances, an insured cut physical damage coverage only to regret that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Low-cost 1997 Mitsubishi Montero Sport insurance is possible from both online companies as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

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