2006 Mitsubishi Montero Insurance Cost

Looking for cheaper insurance rates for your Mitsubishi Montero? Buying car insurance is not something consumers love to do, but like it or not it is mandatory before you can legally be on the road.

Finding Auto Insurance

All the larger auto insurance companies such as State Farm, GEICO and Progressive give prices for coverage on their websites. Getting online rates is pretty painless as you just type in your required coverages into a form. Once entered, the system makes automated requests for information on your driving record and credit history and returns a price determined by many factors.

Being able to quote online helps simplify price comparisons, but the time it takes to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it’s very important to do this if you are searching for the lowest auto insurance rates.

The better way to compare rates

A more efficient way to find lower prices utilizes a single form to get prices from multiple companies. It saves time, eliminates repetitive work, and makes online shopping much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you are able to buy any of the quotes that you receive.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To save time and compare rates now, click here and submit the form. To compare your current rates, we recommend you complete the form with the coverage information as close as possible to your current policy. Using the same limits helps guarantee you will have a fair comparison using the same coverage and limits.

Tailor your coverage to you

When it comes to buying the best insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if your situation might need professional guidance.

  • Do I need higher collision deductibles?
  • What if I owe more than I can insure my car for?
  • Am I covered if I hit a deer?
  • Am I covered when using my vehicle for business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does car insurance cover theft of personal property?
  • Am I covered when delivering products for my home-based business?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance coverages explained

Having a good grasp of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, falling objects and fire damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

This coverage pays for damage to your Montero from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a ditch, colliding with a tree, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses for prosthetic devices, dental work, hospital visits and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mitsubishi Montero.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Coverage for liability

This coverage will cover damage or injury you incur to other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, court costs and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.