Lower Your 1997 Mitsubishi Montero Sport Insurance Rates

Trying to find cheaper insurance coverage rates for your Mitsubishi Montero Sport? I doubt anyone anticipates paying for insurance coverage, especially when they are paying too much.

Many car insurance companies vie for your business, so it’s not easy to compare every insurer and uncover the absolute lowest rate

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. Finding the best rates is not rocket science. But car owners do need to learn how the larger insurance companies price online insurance because it can help you find the best coverage.

How you can control Mitsubishi Montero Sport insurance rates

Many things are part of the equation when you get your auto insurance bill. Some are obvious such as your driving history, but some are not quite as obvious such as your credit history or how safe your car is.

• Annual mileage and car insurance rates – The more miles you rack up on your Mitsubishi in a year the higher your rate. Almost all companies rate vehicles determined by how the vehicle is used. Cars left parked in the garage get more affordable rates compared to those used for work or business. It’s a good idea to make sure your vehicle rating correctly shows the right rating data, because improper ratings can cost you money. Improper usage on your Montero Sport may be costing you.
• Lower stress equals lower premiums – Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyerspolice officers and emergency personnel tend to have higher premium rates attributed to intense work requirements and lots of time spent away from family. On the flip side, jobs like scientists, historians and the unemployed pay the least on Montero Sport coverage.
• Cheaper premiums with safer cars – Safer cars can get you lower premiums. Safer cars protect occupants better and fewer serious injuries means lower claim amounts and lower rates for you.
• Prevent theft and save – Selecting a car model that has an advanced theft prevention system can get you a discount on your auto insurance. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft and help lower rates.

Cheaper auto insurance rates with discounts

Companies that sell car insurance don’t necessarily list their entire list of discounts very well, so here is a list both well-publicized and the harder-to-find discounts that you can inquire about if you buy auto insurance online.

• Own a Home and Save – Owning your own home or condo can help you save on auto insurance because owning a home requires personal responsibility.
• Auto/Life Discount – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
• Discounts for Federal Employees – Federal government employees could qualify for a slight premium decrease on Montero Sport coverage with certain companies.
• Student Discounts – Getting good grades may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up to age 25.
• Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like all the discounts add up to a free policy, you’re out of luck.

Popular auto insurance companies and some of the premium reductions they offer are detailed below.

• The Hartford may offer discounts for driver training, defensive driver, bundle, air bag, and good student.
• American Family discounts include early bird, bundled insurance, air bags, good driver, mySafetyValet, good student, and multi-vehicle.
• Progressive offers premium reductions for good student, online quote discount, multi-policy, homeowner, continuous coverage, and multi-vehicle.
• Travelers offers discounts including IntelliDrive, hybrid/electric vehicle, driver training, save driver, student away at school, continuous insurance, and good student.
• Farmers Insurance offers discounts for electronic funds transfer, homeowner, pay in full, switch companies, and alternative fuel.
• USAA has discounts for vehicle storage, multi-policy, new vehicle, driver training, and military installation.
• Liberty Mutual includes discounts for multi-policy, teen driver discount, safety features, multi-car, preferred payment discount, newly retired, and new graduate.

If you want cheap auto insurance quotes, ask each insurance company how you can save money. Some of the discounts discussed earlier may not apply in your area. For a list of insurance companies with the best auto insurance discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there really is no cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out if your insurance needs will benefit from professional help.

• Do I need added coverage for expensive stereo equipment?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Are all vehicle passengers covered by medical payments coverage?
• What is the difference between comprehensive and collision coverage?
• Is a new car covered when I drive it off the dealer lot?
• Should I buy only the required minimum liability coverage?
• How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance coverages and their meanings

Having a good grasp of your policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

Liability insurance – This can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have 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 repair bills for other people’s vehicles, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, damage from getting keyed, hail damage, fire damage and theft. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Mitsubishi Montero Sport.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision coverages – Collision insurance will pay to fix damage to your Montero Sport from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, backing into a parked car, colliding with another moving vehicle, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as doctor visits, prosthetic devices, dental work, chiropractic care and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Save your hard earned cash

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

Budget-friendly car insurance is available on the web and from local agencies, so get free auto insurance quotes from both of them so you have a total pricing picture. A few companies may not provide rates over the internet and these regional insurance providers provide coverage only through independent insurance agents.

Additional learning opportunities

• Frontal Crash Tests (iihs.org)
• Booster Seat Ratings (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)