1993 Mitsubishi Mirage Insurance Quotes – 8 Tips for Best Rates

Looking for lower insurance rates for your Mitsubishi Mirage? If you’re trying to find lower-priced insurance online, are you intimidated by the number of insurance companies that you can choose from? Lot’s of other drivers are too. There are so many choices that it can easily become a challenge to find lower insurance rates.

You should take the time to get comparison quotes occasionally because insurance prices change quite often. If you had the best deal on Mirage insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to learn how to use online quotes to get good coverage at a lower rate.

Verify you’re applying every discount

Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts to help bring down the price. Some trigger automatically at the time you complete a quote, but some discounts are required to be requested specifically before you will receive the discount.

• Claim Free – Insureds with no claims or accidents can save substantially in comparison to insureds who have frequent claims or accidents.
• Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a car insurance quote.
• Discount for New Cars – Putting car insurance coverage on a new car may earn a small discount due to better safety requirements for newer models.
• Early Signing – A few insurance companies offer discounts for switching to them early. It could save around 10% when you buy car insurance online.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings up to 30%.
• Drivers Ed for Students – Require your teen driver to sucessfully take a drivers education course if offered at their school.
• Defensive Driver Discount – Taking part in a safe driver course can save you 5% or more and easily recoup the cost of the course.
• Pay Now and Pay Less – By paying your entire bill at once rather than paying in monthly installments you may have a lower total premium amount.

As a footnote on discounts, many deductions do not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

A partial list of companies that possibly offer many of the previously listed discounts include:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

When comparing rates, check with every prospective company to give you their best rates. Some of the discounts discussed earlier may not be available everywhere. If you would like to view companies that offer the discounts shown above, click here.

When should I discuss my situation with an agent?

When choosing coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether you would benefit from an agent’s advice.

• Should I file a claim if it’s only slightly more than my deductible?
• How high should my uninsured/underinsured coverage be in my state?
• Do I have coverage for damage caused while driving under the influence?
• Is my babysitter covered when using my vehicle?
• Should I buy more coverage than the required minimum liability coverage?
• Does insurance cover damages from a DUI accident?
• If my pet gets injured in an accident are they covered?
• What can I do if my company won’t pay a claim?
• Am I covered if I hit a deer?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.

Car insurance coverages 101

Having a good grasp of car insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage protection

Collision coverage covers damage to your Mirage 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 claims like colliding with a tree, scraping a guard rail, hitting a mailbox, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability insurance

This coverage can cover damages or injuries you inflict on people or other property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as medical expenses, bail bonds, court costs and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Mitsubishi Mirage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, theft and falling objects. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses such as X-ray expenses, dental work and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Online plus local equals savings

Cost effective 1993 Mitsubishi Mirage insurance can be found online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not offer the ability to get a quote online and most of the time these small, regional companies provide coverage only through independent agents.

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at a price you can afford.

You just learned a lot of information how to save on 1993 Mitsubishi Mirage insurance. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced car insurance comes from the least-expected company.

To read more, feel free to browse the following helpful articles:

• State Laws for Cellphones and Texting (iihs.org)
• Teen Driving Statistics (Geico)
• What is Gap Insurance? (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• Drunk Driving Statistics (Insurance Information Insitute)
• All About Airbag Safety (State Farm)