1993 Mitsubishi Montero Insurance Quotes – 7 Savings Tips

Looking for the cheapest insurance coverage rates for your Mitsubishi Montero? Sick and tired of not being able to scrape enough together to pay your insurance coverage bill each month? You are in the same boat as many other drivers. There is such a variety of insurance companies to insure vehicles with, and even though it’s nice to be able to choose, having more insurance companies makes it harder to find the lowest rates.

You need to get comparison quotes every six months because prices go up and down regularly. If you had the lowest rate for Montero insurance a few years ago you can probably find a better premium rate now. Ignore everything you know about insurance coverage because you’re about to find out the right way to buy cheaper insurance coverage.

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you will be able to cut costs considerably using these methods. Drivers just need to understand the most effective way to shop online.

How to find affordable insurance coverage

Getting a more affordable price on 1993 Mitsubishi Montero insurance doesn’t have to be difficult. The only thing you need to do is spend a few minutes comparing rate quotes online with multiple companies. This can be done in a couple of different ways.

1. The simplest way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing separate quotes for each price estimate. Just one form gets insurance cost estimates direct from many companies.
2. A different way to find more affordable insurance consists of visiting each company website and request a quote. For sake of this example, let’s say you want to view quotes from State Farm, Esurance and Allstate. To get each rate you have to take the time to go to each site and enter your policy data, and that explains why we recommend the first method.

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

The approach you take is up to you, just make absolute certain that you use identical quote information for each comparison quote. If the quotes have different liability limits it’s not possible to determine which rate is truly the best.

Take these seven policy discounts and save

Companies offering auto insurance do not list every discount very clearly, so the list below details a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy auto insurance online.

• Distant Student Discount – who attend college more than 100 miles from home without a vehicle on campus may qualify for this discount.
• Bundled Policy Discount – If you can combine your homeowners and auto policy and insure them with the same company you could earn a discount of as much as 10 to 15 percent.
• Club Memberships – Belonging to a qualifying organization could earn you a nice discount on your policy.
• Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for Montero insurance depending on your company.
• Military Discounts – Having a deployed family member may qualify for rate reductions.
• Senior Citizen Discount – Seniors are able to get lower premium rates for Montero insurance.
• No Claims – Drivers who stay claim-free get the best car insurance rates in comparison with insureds who have frequent claims or accidents.

A little disclaimer on discounts, most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. Even though the math looks like you could get a free car insurance policy, companies wouldn’t make money that way.

Insurance companies that may offer most of these discounts include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

When comparing rates, check with all the companies to apply every possible discount. A few discounts might not be offered on policies in your area. To choose companies that offer discounts, click here to view.

Which policy gives me the best coverage?

When it comes to choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions could help you determine whether you would benefit from an agent’s advice.

• Is my business laptop covered if it gets stolen from my vehicle?
• Can I drive in Mexico and have coverage?
• How much can I save by bundling my policies?
• Why does it cost so much to insure a teen driver?
• Why do I only qualify for high-risk insurance?
• Which companies will insure high-risk drivers?
• How can I get my company to pay me more for my totalled car?
• When would I need rental car insurance?
• Am I getting all the discounts available?
• What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Insurance coverages explained

Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses for things like funeral costs, X-ray expenses, surgery and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, hitting a mailbox, backing into a parked car, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance can cover injuries or damage you cause to other people or property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as legal defense fees, repair bills for other people’s vehicles, medical expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses 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 only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Stretch your dollar

When getting auto insurance quotes online, do not skimp on coverage in order to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.

Cheap 1993 Mitsubishi Montero insurance can be sourced online in addition to many insurance agents, and you need to price shop both to have the best rate selection. A few companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent agents.

More tips and info about insurance coverage is located in these articles:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Car Insurance FAQ (Trusted Choice)
• Teen Driving Statistics (Geico)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• All About Airbag Safety (State Farm)
• Where can I buy Insurance? (Insurance Information Insitute)