Cheaper 1993 Mitsubishi Expo Car Insurance Rates

Cutting costs on car insurance can seem to be hard for consumers new to shopping for insurance online. There are so many options available that it can quickly become more work than you anticipated to find lower rates.

If you have car insurance now, you will most likely be able to save some money using these tips. Locating affordable protection is quite easy. Although drivers do need to learn how the larger insurance companies determine prices and use this information to your advantage.

Do you qualify for a discount?

Companies do not advertise every discount very well, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.

  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Use Seat Belts – Requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Accident Waiver – Certain companies permit an accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.

It’s important to note that most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think it’s possible to get free car insurance, you’re out of luck.

Insurance companies that possibly offer some of the above discounts include:

Check with each company how you can save money. Some discounts might not apply in your area.

What coverages do I need?

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Every situation is different.

For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • What is roadside assistance coverage?
  • Can I rent a car in Mexico?
  • Are my tools covered if they get stolen from my vehicle?
  • Does liability extend to a camper or trailer?
  • Is business property covered if stolen from my car?
  • Where can I find DUI or SR-22 insurance?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Do you really save 40% when you switch?

State Farm, Allstate and Geico consistently run ads on television and other media. All the companies say the same thing about savings if you change to them. But how can every company make almost identical claims?

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, has no tickets, and has a high credit rating. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save when they switch companies.

Consumers who don’t meet this ideal profile will be charged higher premiums and this can result in the driver buying from a lower-cost company. The ad wording is “people who switch” not “everybody who quotes” save money. That is how companies can claim big savings. That is why it’s extremely important to quote coverage with many companies. It’s not possible to predict which company will fit your personal profile best.

Auto insurance coverage breakdown

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills for things like X-ray expenses, ambulance fees, surgery, chiropractic care and dental work. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage covers damage to your Expo from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, hitting a parking meter, rolling your car, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, rock chips in glass, hitting a deer, vandalism and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Mitsubishi Expo.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other’s property or people. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as structural damage, bail bonds, loss of income and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Be a Smart Shopper

We’ve covered many ideas to lower your 1993 Mitsubishi Expo insurance rates. The most important thing to understand is the more you quote, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. In many instances, an accident victim reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at the best price, not the least amount of coverage.

Cheap insurance is available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

More tips and info about auto insurance can be found by following these links: