2006 Mitsubishi Montero Car Insurance Quotes – 10 Tricks for Best Rates

I can’t think of a single person who is fond of buying car insurance, especially when they are aware that they could find better rates elsewhere.

There is such a variety of insurance companies to choose from, and even though it’s nice to have a choice, more choices can make it harder to compare rates and find the lowest cost car insurance.

Consumers should take time to compare rates at least once a year since prices are variable and change quite frequently. If you had the best rates on Montero insurance last year you may be paying too much now. Block out anything you think you know about car insurance because you’re going to get a crash course in the best methods to properly buy coverages and cut your premium.

Finding affordable coverage is not rocket science. Basically, anyone who has to buy auto insurance will be able to find lower rates. Nevertheless, consumers must understand how insurance companies compete online.

Auto insurance policy discounts you can’t miss

Some insurers don’t always publicize every available discount in an easy-to-find place, so we took the time to find a few of the more common and the more hidden discounts you could be receiving when you buy car insurance online.

  • Claim-Free Discount – Drivers who stay claim-free have much lower rates compared to insureds who have frequent claims or accidents.
  • Bundled Policy Discount – If you can bundle your auto and home insurance with the same company you may earn as much as 10 to 15 percent.
  • Telematics Devices – Policyholders that allow their company to analyze driving manner through the use of a telematics system such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
  • Distant Student – Youth drivers who live away from home at college and do not have a car may be insured at a cheaper rate.
  • Accident Waiver – but a handful of insurance companies permit an accident before raising your premiums if you are claim-free for a set time period.
  • Air Bag Discount – Vehicles equipped with air bags may get savings of 25 to 30%.
  • Student Driver Training – Have your child participate in a local driver’s education class in school or through a local driver safety program.
  • Multi-Vehicle Discounts – Having multiple vehicles on a single policy qualifies for this discount.
  • Homeowners Savings – Owning a home can get you a discount since home ownership demonstrates responsibility.
  • Discount for Low Mileage – Low mileage vehicles may allow you to get lower premium rates due to less chance of an accident.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. Even though the math looks like you could get a free auto insurance policy, it just doesn’t work that way.

Large auto insurance companies and the discounts they provide are:

  • GEICO includes discounts for multi-policy, five-year accident-free, air bags, seat belt use, anti-theft, and emergency military deployment.
  • Travelers has savings for continuous insurance, payment discounts, multi-policy, home ownership, driver training, hybrid/electric vehicle, and good student.
  • Nationwide offers premium reductions for multi-policy, Farm Bureau membership, easy pay, accident-free, defensive driving, and good student.
  • Farmers Insurance may have discounts that include early shopping, electronic funds transfer, distant student, switch companies, good student, youthful driver, and alternative fuel.
  • Esurance may offer discounts for multi-policy, homeowner, claim free, anti-theft, paid-in-full, renters, and online quote.
  • State Farm has discounts for anti-theft, safe vehicle, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, and accident-free.
  • Progressive may include discounts for online signing, multi-policy, good student, online quote discount, homeowner, continuous coverage, and multi-vehicle.
  • Mercury Insurance offers discounts for professional/association, low natural disaster claims, type of vehicle, ease of repair, location of vehicle, and accident-free.

If you are trying to find the cheapest car insurance quotes, ask each company or agent what discounts are available to you. Some discounts may not apply to policyholders in your area. To see a list of providers that offer the discounts shown above, click here.

How to buy insurance coverage

All the larger insurance coverage companies allow consumers to get prices online. Getting online quotes doesn’t take much effort as you just type in your coverage information into a form. When the form is submitted, the quote system collects credit information and your driving record and returns pricing information based on these factors. This makes it simple to compare prices but the process of having to visit multiple sites and type in the same information gets old quite quickly. But it is imperative to get many rate quotes if you want to get better insurance coverage pricing.

There is an easier way!

A more efficient way to compare rates is to use a quote form that analyzes rates from more than one company. The form is fast, requires much less work on your part, and makes online shopping a little more enjoyable. As soon as the form is sent, your coverage is rated and you are able to buy any one of the quote results. If you find a better price you can click and sign and purchase coverage. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To compare rates using this form now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend that you enter coverages and limits exactly as shown on your declarations page. This guarantees you will be getting comparison quotes for the exact same coverage.

Insurance agents can help

When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining if your situation may require specific advice.

  • Can I make deliveries for my home business?
  • Is my trailer covered?
  • Why do I need rental car insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I afford to buy a different vehicle if my 2006 Mitsubishi Montero is totaled?
  • How do I buy GAP insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance policy coverages for a Mitsubishi Montero

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as funeral costs, nursing services and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from flooding, a tree branch falling on your vehicle, fire damage and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Mitsubishi Montero.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Auto collision coverage

This coverage will pay to fix damage to your Montero resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, damaging your car on a curb, colliding with a tree, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Cheaper insurance is a realistic goal

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. The goal is to get the best coverage possible at the best possible price, not the least amount of coverage.

We just covered a lot of techniques to lower your 2006 Mitsubishi Montero insurance prices. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheap car insurance. You may even discover the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. These companies often have lower rates on specific markets compared to the large companies like Progressive and GEICO.

Additional insurance coverage information is located at the links below