1998 Mitsubishi Montero Car Insurance Quotes – 8 Discounts for Best Rates

If you’re new to shopping for insurance coverage quotes online, it’s easy to be confused by the large number of insurance providers all claiming to save you money.

The easiest way to compare car insurance company rates is to know the fact most of the bigger providers will pay a fee to provide you with free rate quotes. The only thing you need to do is give the companies some data such as types of safety features, your occupation, the ages of drivers, and the make and model of your vehicles. That rating information gets sent immediately to multiple top-rated companies and you will get price comparisons within a short period of time.

You may need specialized car insurance coverage

When buying the best car insurance coverage, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Should I drop comprehensive coverage on older vehicles?
  • What companies insure drivers after a DUI or DWI?
  • How can I get my company to pay me more for my totalled car?
  • Is business equipment covered while in my vehicle?
  • Do all my vehicles need collision coverage?
  • Exactly who is provided coverage by my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Are rental cars covered under my policy?
  • Am I covered if I break a side mirror?
  • What happens if I owe more than my 1998 Mitsubishi Montero is worth?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Parts of your insurance policy

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like chiropractic care, surgery and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Mitsubishi Montero.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverages – This can cover damage or injury you incur to other people or property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like loss of income, pain and suffering and medical expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, damage from getting keyed, vandalism, damage from a tornado or hurricane and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.