1995 Mitsubishi Montero Insurance Cost – 7 Policy Discounts

Drivers have a choice when trying to find the best price on Mitsubishi Montero insurance. You can either spend your time driving around to get rate comparisons or use the internet to make rate comparisons. There are more efficient ways to compare auto insurance rates and you need to know the absolute fastest way to price shop coverage for a new or used Mitsubishi and find the lowest possible price from both online companies and local agents.

You should take the time to check auto insurance prices on a regular basis since insurance prices are variable and change quite frequently. If you had the best deal for Montero coverage a couple years back you may be paying too much now. Ignore everything you know about auto insurance because you’re about to find out the best methods to lower your rates without sacrificing coverage.

How to get insurance coverage quotes

There are a variety of methods to compare insurance coverage quotes, but one way is more efficient than others. You can waste hours driving to insurance agencies in your area, or you can stay home and use online quoting to get prices fast.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers complete one form, and each participating company then returns a price quote for coverage. This eliminates the need for quote requests to each individual insurance coverage company.

To use this form to compare rates click here (opens in new window).

The one downside to comparing rates this way is you are unable to specify which carriers you want to price. So if you prefer to pick individual companies to request quotes from, we have a listing of the cheapest insurance coverage companies in your area. Click here to view list.

Whichever way you choose to compare rates, be sure you’re using exactly the same information on every price quote you get. If your comparisons have different coverage information it will be very difficult to truly determine the lowest rate.

When do I need an agent’s advice?

When choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions might help in determining whether or not you might need professional guidance.

  • Why is insurance for a teen driver so high?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is a fancy paint job covered?
  • What vehicles should carry emergency assistance coverage?
  • Can I get a multi-policy discount?
  • Why do I only qualify for high-risk insurance?
  • Do I pay less for low miles?
  • Will my rates increase for filing one claim?
  • At what point should I drop full coverage?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Specific coverages for a Mitsubishi Montero

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Auto liability insurance – Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits 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 a limit of $100,000 paid for damaged property.

Liability insurance covers claims like bail bonds, legal defense fees, court costs and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, hitting a deer, a tree branch falling on your vehicle and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision – This coverage will pay to fix damage to your Montero from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, colliding with a tree 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. It’s also possible to raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for immediate expenses for ambulance fees, EMT expenses, chiropractic care, hospital visits and surgery. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comments About 1995 Mitsubishi Montero Insurance

  1. Margart Boone

    I compared a lot of rate quotes for a 1995 Mitsubishi Montero in Lincoln, Nebraska. Ended up at roughly $110 every six months with American Family.

  2. Summer Webb

    I chose to switch to 21st Century from AIG Insurance. I live in Memphis, TN. Insured with Auto-Owners before. Thankfully I’m not a high risk driver. :P

  3. Jimmie Kerr

    Any State Farm or Esurance customers near Manchester, NH?

  4. Tracey Morse

    If you have a clean record and live around Portland, OR, check out 21st Century. You might get cheaper rates. Ask about discounts.

  5. Lannie Rice

    Got pretty cheap 1995 Mitsubishi Montero insurance from Progressive in Newark, DE.

  6. Erik Mason

    I compared a lot of rate quotes for a 1995 Mitsubishi Montero in Concord, NH. Ended up at roughly $100 every six months with American Family. It was easy to get rates.

  7. Jennifer Reyes

    Affordable car insurance is a myth. I’m in the north part of Portland, Oregon. Got car insurance quotes from 21st Century, Hanover, and Erie for my Montero and saved $92 a year. I’m a pretty good driver though. Bought it from an online quote.

  8. Glady Byrd

    Will Allstate give a discount for driver training?

  9. Sigrid Beard

    Cheap is not always the best policy. I live east of Buffalo, NY. Got car insurance rates from AIG Insurance, Safeco, and Travelers for my 1995 Mitsubishi Montero and I’m now saving $17 a month. My Mitsubishi doesn’t have full coverage.

  10. Riley Garner

    I found cheap 1995 Mitsubishi Montero insurance in Lexington, KY with Progressive.

  11. Glynda Rivas

    Live in Portland, Maine. Received quotes with State Farm, Auto-Owners, and Encompass for my 1995 Mitsubishi Montero and I think I am saving around $30 each month. I think they have home insurance too. It’s only liability tho.

  12. Joycelyn Pruitt

    Does State Farm do SR22s in Georgia?

  13. Tori Lowery

    I found pretty cheap rate quotes for a 1995 Mitsubishi Montero in Bismarck, North Dakota. Ended up at about $100 every six months with American Family. Was with Farmers. Just waiting to see how claims go. Just liability coverage since it’s getting old.

  14. Gillian Bates

    IT’S ALL TOO EXPENSIVE! Quoted with State Farm for my Montero and saved around $70 a year.

  15. Alline Petersen

    I chose to switch to Progressive from American Family. I live in Phoenix, Arizona. Insured with Mercury before. I have kids on my policy, too. It never hurts to quote around.

  16. Kelsi Ward

    Anyone buy from AAA? I’m in Warwick, RI.