1999 Mitsubishi Montero Sport Car Insurance Rates

Nobody looks forward to paying for auto insurance, particularly when the price is too high.

There are many auto insurance companies to pick from, and although it’s a good thing to be able to choose, so many choices can make it hard to get the best deal.

Don’t miss out on these money-saving discounts

Auto insurance companies don’t always list every discount in an easy-to-find place, so we researched some of the more common and the harder-to-find discounts you could be receiving.

  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may earn 10% to 20% off each policy.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared to drivers who are more careless.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Montero Sport coverage than drivers with accident claims.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like you could get a free insurance policy, you’re out of luck.

Car insurance companies that possibly offer some of the above discounts include:

Check with all companies you are considering what discounts are available to you. Some discounts might not be offered everywhere.

Mitsubishi Montero Sport rates are in the details

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively influences your rates enables informed choices that can help you get better insurance coverage rates.

The list below includes some of the factors insurance coverage companies consider when setting your rates.

  • The more you drive the more you pay – Driving more miles each year the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Autos used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Montero Sport can result in significantly higher rates. Double check that your insurance coverage coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Never let your coverage lapse – Driving with no insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance can result in a license revocation or jail time.
  • Lower deductibles cost more – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Mitsubishi. Examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. Deductibles for physical damage are how much you are willing to pay in the event of a claim. The higher the amount you’re willing to pay, the less your insurance coverage will be on Montero Sport coverage.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Your insurance coverage rates can be influenced by your job – Did you know that where you work can have an impact on rates? Careers like doctors, business owners and dentists have the highest average rates because of high stress and long work days. Other occupations like scientists, historians and performers get better rates on Montero Sport coverage.

Do I need special coverages?

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.

  • Am I covered if I crash into my own garage door?
  • Will my insurance pay for OEM parts?
  • Are rock chip repairs covered?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered when driving in Canada or Mexico?
  • Do all my vehicles need collision coverage?
  • Is my Mitsubishi Montero Sport covered if I use it for business?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as legal defense fees, medical expenses, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, theft and a broken windshield. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This coverage pays for damage to your Montero Sport resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, rolling your car, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1999 Mitsubishi Montero Sport.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, EMT expenses, ambulance fees, dental work and pain medications. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Take this to the bank

Affordable 1999 Mitsubishi Montero Sport insurance can be sourced online and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

Throughout this article, we presented some good ideas how to compare insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest rates come from some of the lesser-known companies. These smaller insurers often have lower prices on specific markets than their larger competitors like GEICO and State Farm.

Much more information about insurance is available on the following sites: