1996 Mitsubishi Montero Insurance Cost – 5 Savings Tips

Trying to find better insurance coverage rates for your Mitsubishi Montero? Shopping for lower-cost insurance coverage on the web may be somewhat intimidating for consumers new to quoting and comparing prices on the web. With dozens of online companies, how can drivers even start to compare every insurance coverage company to find the best pricing?

Compare quotes for insurance coverage

The are a couple different ways to get quotes from different companies. The recommended way to find affordable 1996 Mitsubishi Montero insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.

  1. If you are pressed for time, the simplest way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing separate quote forms for every insurance coverage company. Taking the time to complete one form will get you rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
  2. A harder way to get comparison quotes is to manually visit the website of each company and request a quote. For example, let’s assume you want comparison quotes from Liberty Mutual, Progressive and State Farm. To do that, you would have to spend time going to each site individually and type in your information over and over, which explains why we recommend starting with the first method. For a list of companies in your area, click here.
  3. The old school way to get rate quotes is going to and from local insurance agencies. The ability to quote online makes this process obsolete unless you’re the type of person who wants the trained guidance of a licensed agent. You can, however, get the lowest quotes online but still have the advice of a local agent.

It doesn’t matter which method you choose, just do your best to enter the exact same coverage limits for every quote you compare. If you use different limits and deductibles on each one you will not be able to make a fair rate comparison. Having just a slight variation in limits can make a big difference in price. And when quoting insurance coverage, remember that comparing a wide range of rates increases your odds of finding better pricing. Some smaller insurers to not give online quotes, so it’s recommended that you also compare price estimates on coverage from those companies, too.

Don’t overlook these five auto insurance discounts

Auto insurance companies don’t always publicize all possible discounts very well, so we took the time to find a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for. If you do not double check each discount you deserve, you may be paying too high a price.

  • New Car Discount – Insuring a vehicle that is new can cost up to 25% less since new vehicles have better safety ratings.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Montero insurance depending on your auto insurance provider.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of 25 to 30%.
  • Sign Online – A handful of companies give back up to $50 for buying your policy on the internet.
  • Distant Student Discount – living away from home attending college and do not have access to a covered vehicle could get you a discount.

You should keep in mind that most discounts do not apply to your bottom line cost. Most only cut individual premiums such as medical payments or collision. Even though it appears you could get a free auto insurance policy, it doesn’t quite work that way.

To see a list of insurers with discount rates, click here.

When to get professional advice

When buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions can help discover whether your personal situation would benefit from professional advice.

  • Do I need higher collision deductibles?
  • Should I buy only the required minimum liability coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What if I total my 1996 Mitsubishi Montero and owe more than it’s worth?
  • Am I covered if I wreck a rental car?
  • I don’t drive much so do I pay less?
  • When should I buy a commercial auto policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Is extra glass coverage worth it?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Advertising myths

Big name companies like State Farm and Allstate constantly bombard you with television, radio, and online ads. All the ads try to convey promises that you’ll save big if you just switch to them. Is it even possible that every company can make the same claim? It’s all in how they say it.

Companies quote the lowest rates for the type of customer that will generate a profit. An example of a driver they prefer may need to be over the age of 35, has a clear driving record, and drives newer vehicles. Any driver that fits those parameters will get a cheap rate quote and most likely will save if they switch.

Insureds who may not quite match the ideal profile will be quoted higher rates and the customer buying from a different company. If you pay close attention to the ads, they say “drivers who switch” not “everyone who quotes” save that much. That’s why companies can truthfully claim big savings.

That is why it’s extremely important to get car insurance quotes from several different companies. It is impossible to guess which company will provide the lowest prices.

Car insurance coverage information

Having a good grasp of a auto insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as X-ray expenses, funeral costs, surgery and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, a tree branch falling on your vehicle, falling objects and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

This will cover damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

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 policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like attorney fees, bail bonds and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1996 Mitsubishi Montero.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision protection

Collision insurance pays for damage to your Montero from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, backing into a parked car, crashing into a ditch, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

A tidy conclusion

We just presented quite a bit of information on how to lower your 1996 Mitsubishi Montero insurance premium rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates are with a company that doesn’t do a lot of advertising.

Lower-priced 1996 Mitsubishi Montero insurance can be found on the web and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not provide online rate quotes and usually these smaller providers sell through independent agencies.

When you buy car insurance online, never skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Additional car insurance information can be found at these links:

Comments About 1996 Mitsubishi Montero Insurance

  1. Mariette Nieves

    What is Underinsured Motorist coverage?

  2. Sona Boyle

    Checking in from Fort Smith, AR. Quoted a bunch of companies. Saved darn near $20 a month. Allstate was the cheapest option for me. Hardly afford to drive anymore.

  3. Marco Boone

    I went with Allstate at renewal. Best rates in Anchorage, AK. Moved home policy as well. It never hurts to quote around. Next renewal I’ll just do liability.

  4. Cedrick Simpson

    This is too expensive. Checking in from Henderson, NV. Quoted prices from Amica, Erie, and Nationwide for my Montero and I’m now saving $15 a month. Anyone else drop full coverage?

  5. Jenelle Oneal

    Will State Farm give a discount for driver training?

  6. Altagracia Rasmussen

    Will State Farm give discounts for good grades?

  7. Kasey Matthews

    Affordable car insurance is a myth. I’m in the suburbs of Jersey City, NJ. I compared lots of rates. Saved darn near $20 a month. Allstate was the cheapest for me. Good multi-policy discounts. I just carry liability insurance.

  8. Loria Chaney

    I live east of Buffalo, NY. I quoted with Hanover, AIG Insurance, Safeco, and a couple others for my Mitsubishi and I think I saved around $30 each month. Thankfully I’m not a high risk driver.

  9. Julieann Vega

    Here’s what I found out. Quoted with Erie for my Montero and saved around $100 a year. Did it all online. It’s too old for full coverage.

  10. Ming Avery

    I found affordable 1996 Mitsubishi Montero insurance from State Farm in West Valley City, UT.

  11. Minna Banks

    Cheap car insurance? What’s that? I live in a small town just outside of Jacksonville, FL. I compared lots of rates. Saved roughly $20 a month. Progressive was the cheapest option for me.

  12. Kathy Mcgowan

    Affordable car insurance is a myth. Live in Virginia Beach, VA. Checked online prices for a 1996 Mitsubishi Montero. Ended up at about $120 savings annually. Went with State Farm. Insured with Travelers before. It’s only liability tho.

  13. Alesha Newman

    Well-written and thought out article. Found cheapest coverage with Nationwide for my 1996 Mitsubishi Montero and saved about $110 a year. I have a couple other vehicles on the policy. Highly recommended. Next renewal I’ll just do liability.

  14. Love Wolf

    Live in Frederick, Maryland. Quoted prices online for a 1996 Mitsubishi Montero. Ended up at about $100 savings annually. Went with 21st Century. Are quotes cheaper online?

  15. Erick England

    Any companies in Cranston, RI that will insure a DUI?

  16. Barabara Vang

    Does GEICO settle claims fairly?