1997 Mitsubishi Montero Insurance Quotes

If you’re new to shopping for car insurance quotes online, it’s easy to be confused due to the large selection of companies offering coverage.

If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Buying the cheapest protection is quite easy. Nevertheless, car owners can benefit by having an understanding of the methods companies use to determine prices because it can help you find the best coverage.

Cheapest insurance coverage price quotes

Effectively comparing insurance coverage prices can be a lot of work if you don’t know the best way to get rate quotes. You could waste a few hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many companies take part in a program where prospective buyers enter their coverage request one time, and at least one company provides a quote. This prevents consumers from doing repetitive form submissions to every company. To participate in this free quote system, click here (opens in new window).

The only downside to pricing coverage this way is that you can’t choose which companies to get pricing from. So if you want to choose specific insurance companies to compare, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but be sure you’re using the same coverages and limits for every company. If you enter different coverage information it will be very difficult to make a fair rate comparison. Having just a slight variation in coverages could mean much higher rates. Just remember that comparing a large number of companies helps you find lower pricing. Some smaller insurers to not give rate quotes online, so it’s important to also get price quotes from them, too.

You may qualify for discounts

The price of auto insurance can be rather high, but there may be some discounts that can dramatically reduce your bill. Some discounts will apply at quote time, but a few must be manually applied in order for you to get them. If you’re not getting every credit available, you are throwing money away.

  • New Vehicle Savings – Putting coverage on a new car can save you some money because new model year vehicles are generally safer.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could save 15% on the premium charged for medical payments and/or PIP.
  • Discount for Life Insurance – Some insurance companies give a lower insurance rate if you buy some life insurance too.
  • Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid the installment charge.
  • Student Discounts – Excelling in school may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students up until you turn 25.

Don’t be surprised that most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.

Some of the insurance companies that may offer policyholders these benefits include:

It’s a good idea to ask each company what discounts are available to you. Depending on the company, some discounts may not apply to policies everywhere.

There’s no such thing as the perfect insurance coverage policy

When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might help in determining if you might need an agent’s assistance.

  • Should I buy more coverage than the required minimum liability coverage?
  • What can I do if my company won’t pay a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Do all my vehicles need collision coverage?
  • If my pet gets injured in an accident are they covered?
  • How much can I save by bundling my policies?
  • Does insurance cover damages from a DUI accident?
  • What are the best liability limits?
  • Why am I required to buy liability insurance?
  • What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverages for a 1997 Mitsubishi Montero

Understanding the coverages of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses for things like funeral costs, hospital visits, ambulance fees, chiropractic care and prosthetic devices. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they 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 1997 Mitsubishi Montero.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for liability

This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, bail bonds, medical services and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage

This will pay to fix damage to your Montero from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, rolling your car, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, damage from a tornado or hurricane and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Comments About 1997 Mitsubishi Montero Insurance

  1. Kathryne Mendoza

    I got decent rates for a 1997 Mitsubishi Montero in Miami, Florida. Ended up at right around $80 every six months with American Family. Left Farmers to switch. Teenage drivers are expensive! Can still barely afford it. It’s too old for full coverage.

  2. Margie Griffith

    Got pretty cheap 1997 Mitsubishi Montero insurance from GEICO in Albuquerque, NM.

  3. Ty Downs

    I got quite a few price quotes for a 1997 Mitsubishi Montero in Anchorage, AK. Ended up at roughly $70 every six months with AIG Insurance. I increased coverages a little too.

  4. Starr Conway

    If you’re from Chesapeake, VA get quotes from State Farm and GEICO and you might save.

  5. Leopoldo Weeks

    GEICO has the cheapest rates in Missouri. No comparison.

  6. Rosanna Shields

    I chose to switch to GEICO from AAA. I live in Birmingham, AL. Wish I didn’t have to insure at all. I don’t insure for physical damage though.

  7. Lydia Ochoa

    From northwest of Las Cruces, New Mexico. Got car insurance quotes with American Family, Eastwood, and Nationwide for my Mitsubishi and saved around $60 a year. Moved home policy as well. Are quotes cheaper online?

  8. Xiomara Reid

    Affordable car insurance is a myth. I’m in the suburbs of Springfield, MO. I got free quotes with Allstate, Hartford, and Encompass for my 1997 Mitsubishi Montero and saved $82 a year. Thankfully I have a good driving record. I just quoted rates online.

  9. Nanci Harvey

    Here’s my info. I’m in the west part of New York City, New York. I got free quotes with USAA, AIG Insurance, The General, and Safeco for my Mitsubishi and am saving around $80 a year. BTW speeding tickets are not good. Online quotes are the way to go.

  10. Precious Alexander

    Like your site, BTW. I live just to the east of Atlanta, Georgia. I quoted with Western Auto Insurance, American Family, Hanover, and MetLife for my 1997 Mitsubishi Montero and I think I saved about $20 each month. Was with Progressive. I recommend comparing lots of rates. Book value doesn’t justify full coverage anymore.