1991 Mitsubishi Mirage Car Insurance Rates – 6 Tricks for Cheapest Quotes

Comparing auto insurance rates online is challenging if you are a beginner to online price comparisons. But don’t let that discourage you because online price shopping is actually quite simple.

Smart consumers take time to compare rates every six months because prices change frequently. Despite the fact that you may have had the lowest rates on Mirage insurance a couple years back a different company probably has better rates today. There is a lot of bad information regarding auto insurance online, so by reading this article, you’re going to learn the best ways to slash your auto insurance rates.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. Shopping for the lowest cost coverage is easy if you know what you’re doing. But consumers must comprehend how big insurance companies market on the web because it can help you find the best coverage.

Comprehensive Auto Insurance Comparison

There are several ways of comparing rates from different insurance companies. The simplest method to find competitive 1991 Mitsubishi Mirage insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in a couple of different ways.

The first (and easiest) way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do separate quote forms for each company you want a rate for. One quote request will get you price quotes from several companies. Recommended for those who want to invest the least amount of time.

A more difficult way to compare rate quotes requires a trip to each company’s website and fill out their own quote form. For sake of this example, let’s assume you want rates from USAA, 21st Century and Liberty Mutual. To find out each rate you need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The most time-consuming method to get comparison rates is driving around to insurance agents’ offices. Buying insurance online makes this process obsolete unless you require the professional guidance only provided by licensed agents. However, consumers can compare online quotes and still use a local agent and we’ll touch on that later.

Whichever method you choose, double check that you are using the exact same quote information with every price quote. If each company quotes different liability limits it will be next to impossible to determine the best price for your Mitsubishi Mirage. Slightly different coverages may cause a big price difference. And when price shopping your coverage, more quotes provides better odds of finding a lower rate.

Save money by taking advantage of these six discounts

Car insurance can cost a lot, but discounts can save money and there are some available to help bring down the price. Most are applied when you get a quote, but a few need to be specifically requested before being credited.

College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on Mirage insurance with certain companies.
Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
Bundle and Save – When you have multiple policies with one company you may earn approximately 10% to 15%.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will help reduce your overall premium however.

A partial list of companies that may offer these discounts are:

Double check with each insurance company which discounts they offer. All car insurance discounts may not be available everywhere.

When should I use an insurance agent?

When it comes to choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

Can I afford to buy a different vehicle if my 1991 Mitsubishi Mirage is totaled?
What is UM/UIM insurance?
Is business equipment covered while in my vehicle?
Are my friends covered when driving my 1991 Mitsubishi Mirage?
How can I get high-risk coverage after a DUI?
Can I make deliveries for my home business?
Do I need roadside assistance coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Mitsubishi Mirage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for surgery, hospital visits, doctor visits and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Mirage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, crashing into a building, crashing into a ditch and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, damage from getting keyed, damage from flooding, a broken windshield and fire damage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability

Liability coverage can cover injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as attorney fees, loss of income, emergency aid, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.