Cheapest 1997 Mitsubishi Montero Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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Nobody I know likes having to buy insurance coverage, in particular when they are paying too much.

Many insurance companies compete for your business, so it’s not easy to compare every company to discover the definitive best price available.

It’s a good habit to get comparison quotes quite often because rates are constantly changing. Just because you found the best rates on Montero insurance two years ago you may be paying too much now. Ignore everything you know about insurance coverage because you’re about to find out the easiest way to lower your rates without sacrificing coverage.

If you have car insurance now, you will be able to save some money using these methods. Finding affordable coverage is easy if you know what you’re doing. Although car owners must comprehend how the larger insurance companies compete online because it can help you find the best coverage.

Finding Auto Insurance Deals

There are several ways to compare Mitsubishi Montero auto insurance quotes, and some are less time-consuming than others. You can waste a lot of time talking about coverages with local insurance agents in your area, or you can utilize the web to get prices fast.

Most major companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each company can provide price quotes. This eliminates the need for quote requests for each company. To fill out one form to compare multiple rates now click here to start a free quote.

The one disadvantage to comparing rates this way is that you can’t choose the insurers you want pricing from. If you wish to select individual companies to request quotes from, we put together a list of low cost auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage information on every quote. If you are comparing different values for each quote then you won’t be able to truly determine the lowest rate. Quoting even small variations in coverage limits can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes provides better odds of finding the best price.

Free Auto Insurance Comparison

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Your personal situation dictates your coverage

When buying proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether you will benefit from professional help.

  • Can my babysitter drive my car?
  • Who is covered when they drive my 1997 Mitsubishi Montero?
  • Will my rates increase for filing one claim?
  • Is pleasure use cheaper than using my 1997 Mitsubishi Montero to commute?
  • What is medical payments coverage?
  • I don’t drive much so do I pay less?
  • Do I have coverage when making deliveries for my home business?
  • Is business equipment covered while in my vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Learn about insurance coverages for a Mitsubishi Montero

Having a good grasp of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from getting keyed and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

This coverage covers damage to your Montero resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.


Liability coverage provides protection from damage that occurs to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like legal defense fees, pain and suffering and funeral expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills such as rehabilitation expenses, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest auto insurance rates for a 1997 Mitsubishi Montero in 2023?

You can find the cheapest auto insurance rates for a 1997 Mitsubishi Montero in 2023 by entering your ZIP code and using a free quote tool. This tool allows you to compare quotes from multiple insurance companies and find the best price available.

Can I choose the insurance companies I want to receive quotes from?

When using a free quote tool, you may not be able to choose specific insurance companies to receive quotes from. However, you can use a list of low-cost auto insurance companies in your area to request quotes individually if you prefer.

Why is it important to compare apples-to-apples coverage information when getting insurance quotes?

It is essential to compare apples-to-apples coverage information when getting insurance quotes because small variations in coverage limits can significantly impact the price. To accurately determine the lowest rate, you need to ensure that you are comparing the same coverage limits and deductibles for each quote.

What factors should I consider when buying insurance coverage for my Mitsubishi Montero?

When buying insurance coverage for your Mitsubishi Montero, you should consider your personal situation and specific needs. Factors such as your driving habits, budget, and desired level of protection can help determine the right coverages, deductibles, and limits for you.

What are the typical coverage types available for insurance companies?

Insurance companies typically offer coverage types such as comprehensive or other than collision coverage, collision coverage, liability coverage, medical costs insurance, and uninsured/underinsured motorist coverage. Each coverage type serves a different purpose and provides protection for various situations.

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