2012 Mitsubishi i-MiEV Insurance Quotes – 6 Ways to Save

Searching for better auto insurance rates for your Mitsubishi i-MiEV? Trying to come up with a payment for expensive auto insurance can empty your bank account and force you to make sacrifices. Price shopping at each renewal is free and is an excellent way to ensure you are getting the best deal.

Due to the large number of choices of insurance companies, it’s difficult to find the right insurer.

You need to get comparison quotes as often as possible due to the fact that insurance prices are adjusted regularly by insurance companies. If you had the best quotes for i-MiEV coverage a couple years back you may be paying too much now. Ignore everything you know about auto insurance because we’re going to demonstrate one of the quickest ways to find better coverage at a better price.

Affordable auto insurance

There are several ways you can shop for auto insurance but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most car insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and at least one company returns a rated price for coverage. This saves time by eliminating repetitive form submissions to each individual auto insurance company. To find out what other companies charge click to open in new window.

One minor caviat to comparing rates this way is you can’t choose which carriers you want pricing from. So if you want to choose specific insurance companies to request quotes from, we have a page of companies who write auto insurance in your area. Click to view list.

The approach you take is up to you, just make darn sure you compare the exact same coverages and limits with every price quote. If you compare different deductibles you can’t possibly make a fair comparison for your Mitsubishi i-MiEV.

Get lower-cost rates with these six discounts

Companies don’t always list every disount available in an easy-to-find place, so the list below gives a summary of both well-publicized as well as the least known credits available to bring down your rates.

• E-sign – Some of the larger companies provide a small discount for buying your policy over the internet.
• Driver Training Discounts – Participating in a safe driver course is a good idea and can lower rates if you qualify.
• Discounts for New Vehicles – Buying a new car model can save you some money due to better safety requirements for new vehicles.
• Distant College Student Discount – who attend college more than 100 miles from home and do not have a car can receive lower rates.
• No Claim Discounts – Drivers with accident-free driving histories pay much less in comparison with policyholders that have many claims.
• Student Discounts – This discount could provide a savings of up to 20% or more. The discount lasts up to age 25.

Discounts save money, but please remember that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

Some companies that may include these money-saving discounts possibly include:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

Before buying, ask each company which discounts can lower your rates. A few discounts might not be available to policyholders in every state. If you would like to see a list of companies that offer many of these discounts, click this link.

What is the best auto insurance coverage?

When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions could help you determine if your situation would benefit from professional advice.

• Should I buy full coverage?
• Does my personal policy cover me when driving out-of-state?
• Can I get a multi-policy discount?
• What is covered by UM/UIM coverage?
• Do I have coverage for damage caused while driving under the influence?
• What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages

Having a good grasp of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mitsubishi i-MiEV.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance – Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as bail bonds, legal defense fees and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Insurance for medical payments – Med pay and PIP coverage provide coverage for bills like EMT expenses, chiropractic care and funeral costs. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, rock chips in glass and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, backing into a parked car, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.