2006 Mitsubishi Montero Insurance Quotes

Want lower insurance coverage rates for your Mitsubishi Montero? Did you fall for a flashy sales pitch and buy high-priced insurance coverage? Believe me when I say there are many people just like you.

Many insurance companies compete to insure your vehicles, and it can be difficult to compare rates to discover the definitive lowest cost out there.

Cut your auto insurance rates with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that many people don’t even know exist. Most are applied when you quote, but lesser-known reductions have to be requested specifically prior to receiving the credit.

  • Bundle and Save – If you have multiple policies with the same company you may save at least 10% off all policies.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Student Driver Training – Have your child successfully complete driver’s ed class if offered at their school.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think you can get free auto insurance, it just doesn’t work that way. But any discount will help reduce your overall premium however.

A partial list of companies that may have these discounts include:

Double check with each insurance company which discounts they offer. Savings might not be offered in your area.

Finding Insurance

Shopping for lower insurance rates can be challenging if you don’t know the fastest way to get free quotes. You could spend the better part of a day talking to agents in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

All the larger companies take part in a program where insurance shoppers send in one quote, and every company can give them a price for coverage. This prevents consumers from doing quotation requests for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one downside to getting quotes like this is that consumers can’t choose which insurance companies to receive prices from. If you would rather choose individual companies to compare rates, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare exactly the same coverage limits for every quote you compare. If you compare different limits and deductibles on each one it’s impossible to find the best deal for your Mitsubishi Montero. Just a small difference in coverage limits may result in a large different in cost. Just remember that quoting more will improve the odds of getting better pricing.

Factors determining your Mitsubishi Montero insurance premium

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in lower insurance prices.

  • Drive a safer car and pay less – Vehicles with good safety scores can get you lower premiums. These vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Mitsubishi Montero has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a sure-fire way to pay more for insurance. Not only will you pay more, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • With age comes lower rates – Mature drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Young drivers have a tendency to get distracted easily in a vehicle therefore insurance rates are much higher.
  • Don’t get talked into coverage you don’t need – There are many extra coverages you can purchase if you aren’t careful. Coverages like roadside assistance, better glass coverage and additional equipment coverage are examples of these. They may seem good initially, but now you might not need them so get rid of them and save.
  • Don’t skimp on liability – Liability coverage is the protection if you are found to be at fault for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Poor driving leads to higher costs – A bad driving record impacts your car insurance rates tremendously. Good drivers get better rates than bad drivers. Even a single citation can increase rates forty percent or more. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Special features that cut premiums – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.

You are unique and your insurance should be too

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

  • Do I really need UM/UIM coverage?
  • How do I file an SR-22 for a DUI in my state?
  • When do I need to add a new car to my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Where can I get insurance after a DUI in my state?
  • Is my babysitter covered when using my vehicle?
  • Are rental cars covered under my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I rate my 2006 Mitsubishi Montero as pleasure use or commute?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Save 15 percent in 15 minutes? Is it for real?

Insurance companies such as Allstate and Progressive constantly bombard you with ads on television and other media. They all seem to have a common claim that you’ll save big if you switch your coverage to them. How can each company make almost identical claims? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer they prefer to insure. An example of a desirable insured could possibly be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer who matches those parameters gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t qualify for this ideal profile must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully advertise the savings.

This illustrates why you absolutely need to quote coverage with many companies. It’s not possible to predict which insurance company will fit your personal profile best.

Car insurance specifics

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses such as ambulance fees, rehabilitation expenses and pain medications. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This will pay to fix 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 coverage protects against claims like falling objects, damage from a tornado or hurricane, rock chips in glass and vandalism. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for liability

This coverage protects you from injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, attorney fees, court costs, pain and suffering and funeral expenses. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Auto collision coverage

Collision insurance covers damage to your Montero resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, hitting a parking meter, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Summing up your car insurance search

You just learned a lot of techniques to save on 2006 Mitsubishi Montero insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the lowest premiums are with a small mutual company. Some small companies often have lower prices on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where an insured cut collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

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