2015 Mitsubishi Mirage Car Insurance Quotes – 7 Discounts for Best Rates

Are you tired of paying out the nose to pay high insurance rates every month? Your situation is no different than many other consumers. With vehicle owners having so many companies and agents to choose from, it can be hard to find the most cost effective insurance provider.

Locating the lowest cost coverage is easy if you know what you’re doing. If you have a current auto insurance policy or are just looking to switch companies, you can use this information to find better prices while maximizing coverage. Drivers just need to learn the tricks to compare company rates online.

Discounts can really help lower rates

Insurance is not cheap nor is it fun to buy but companies offer discounts to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but less common discounts must be requested specifically before you get the savings.

• Own a Home and Save – Simply owning a home can earn you a little savings since home ownership is proof of financial responsibility.
• Discount for Swiching Early – A few larger companies offer discounts for buying a new policy before your current expiration date. The savings is around 10%.
• No Accidents – Claim-free drivers pay less as compared to frequent claim filers.
• Good Grades Discount – This discount could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
• Government Employees – Active or former government employment can save as much as 8% for Mirage insurance with certain companies.
• First Accident Forgiveness – This one isn’t a discount, but a few companies such as Geico, State Farm, and Progressive permit an accident without the usual rate increase with the catch being you have to be claim-free before the accident.
• Anti-lock Brakes – Cars with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.

We need to note that most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, you’re out of luck.

A list of insurance companies and a partial list of their discounts can be read below.

• The Hartford may include discounts for defensive driver, good student, vehicle fuel type, driver training, bundle, anti-theft, and air bag.
• American Family may offer discounts for good student, defensive driver, accident-free, bundled insurance, and multi-vehicle.
• Progressive has savings for homeowner, continuous coverage, multi-vehicle, online quote discount, and good student.
• Travelers offers discounts for save driver, home ownership, early quote, IntelliDrive, good student, and multi-car.
• Farmers Insurance may have discounts that include distant student, electronic funds transfer, good student, pay in full, multi-car, youthful driver, and bundle discounts.
• USAA policyholders can earn discounts including good student, military installation, driver training, loyalty savings, defensive driver, multi-vehicle, and new vehicle.
• Liberty Mutual has discounts for multi-car, good student, new move discount, teen driver discount, and safety features.

It’s a good idea to ask all the companies which discounts you qualify for. Savings may not apply to policyholders in your area. For a list of providers with discount rates, click this link.

How to compare free auto insurance price quotes

Reducing your 2015 Mitsubishi Mirage insurance rates is actually quite simple. The only thing you need to do is take time to compare free car insurance quotes provided by online insurance companies. It’s super easy and can be done in several different ways.

Hands down the most simple method consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This form eliminates the need for a different quote for each company. Filling out one form gets you price quotes from many national carriers.

Another way to obtain and compare quotes online consists of visiting the website for every company you want to comare and complete a new quote form. For sake of this example, let’s assume you want to compare Allstate, Geico and State Farm. To do that, you would have to navigate to each company’s site to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you’re using nearly identical coverage data for each price quote. If you use unequal deductibles or liability limits it’s not possible to find the best deal for your Mitsubishi Mirage.

Will just any policy work for me?

When it comes to buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. These are some specific questions might point out whether you would benefit from an agent’s advice.

• What is PIP insurance?
• Is business property covered if stolen from my car?
• Can I still get insurance after a DUI?
• Am I covered by my spouse’s policy after a separation?
• Am I insured when driving a different vehicle?
• Do I pay less if my vehicle is kept in my garage?
• Is rental equipment covered for theft or damage?
• Can I afford to pay high deductible claims out of pocket?
• Why am I required to buy liability insurance?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Can you really save if you switch?

Consumers can’t avoid all the ads that claim the lowest auto insurance rates from companies such as State Farm, Allstate and Geico. All the ads state the claim that drivers will save a bundle if you get a free car insurance quote and switch your policy.

How is it possible that every company can offer drivers better rates? Here is the trick they use.

Many companies have underwriting criteria for the type of driver that will generate a profit. One example of a desirable risk may be over the age of 45, is a homeowner, and has great credit. A driver that hits that “sweet spot” will get the preferred auto insurance rates and have a good chance to pay quite a bit less when switching companies.

Potential insureds who fall outside those standards will be quoted higher rates and this can result in the customer not purchasing. If you pay attention, the ads say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can make the claims of big savings.

Different companies use different criteria so drivers should compare price quotes frequently. It’s just not possible to know with any certainty which company will give you lower rates than your current company.

Car insurance coverages for a Mitsubishi Mirage

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Comprehensive (Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, falling objects and hitting a deer. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like prosthetic devices, funeral costs, doctor visits, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your Mirage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, crashing into a building, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2015 Mitsubishi Mirage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Liability – This can cover injuries or damage you cause to a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as medical services, pain and suffering, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Be a smart shopper

We just showed you a lot of information how to shop for 2015 Mitsubishi Mirage insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the lowest priced insurance coverage comes from some of the lesser-known companies. These companies can often provide lower car insurance rates in certain areas than their larger competitors like State Farm or Progressive.

When getting car insurance quotes online, do not reduce needed coverages to save money. There are too many instances where an accident victim reduced collision coverage and learned later that it was a big mistake. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

To read more, feel free to visit the resources below:

• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Event Data Recorders FAQ (iihs.org)
• Safety Belts FAQ (iihs.org)