2017 Mitsubishi i-MiEV Car Insurance Cost – 7 Ways to Save

Price shopping your Driversinsurance coverage could be slightly frustrating for drivers not familiar with shopping for insurance online. With a ridiculous number of companies in the marketplace, it can be a burden to find cheaper insurance coverage rates.

It’s smart to do rate comparisons yearly because insurance prices fluctuate regularly. Just because you found the best price for i-MiEV insurance last year you will most likely find a better rate today. Block out anything you think you know about insurance coverage because you’re about to find out how to quote online to find great coverage at a great price.

You may qualify for discounts

Insuring your vehicles can cost a lot, but companies offer discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time you complete a quote, but a few need to be inquired about before they will apply. If you check and find you aren’t receiving every discount you deserve, you could be paying more than you need to.

• Multiple Cars – Buying coverage for more than one vehicle on the same auto insurance policy can get a discount for every vehicle.
• Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.
• Own a Home – Just being a homeowner can earn you a little savings because maintaining a house is proof that your finances are in order.
• Seat Belts Save – Using a seat belt and requiring all passengers to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.
• Buy New and Save – Adding a new car to your policy can save up to 30% due to better safety requirements for newer vehicles.
• ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.

Discounts lower rates, but most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

To see a list of insurance companies who offer cheap auto insurance quotes, click here.

Buy insurance coverage online

Many insurance companies like Allstate and Progressive provide coverage prices direct online. Comparing rates online is quite simple as you simply enter the coverage amounts you desire as requested by the quote form. Once you submit the form, the quote system automatically orders your driving and credit reports and returns pricing information based on these factors.

Quoting online helps simplify price comparisons, but the time it takes to visit multiple sites and type in your information is monotonous and tiresome. But it is imperative to get many rate quotes in order to get better insurance coverage pricing.

Online rates the easy way

A better way to compare rates uses one form to get prices from multiple companies. The form is fast, requires less work, and makes rate comparisons a lot less work. After sending the form, it is quoted and you are able to buy any or none of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

To find out if lower rates are available, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you type in the insurance coverages as close as possible to your current policy. Doing this assures you are getting rate comparison quotes for similar coverage.

There’s no such thing as the perfect insurance policy

When choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

• Can I afford to buy a different vehicle if my 2017 Mitsubishi i-MiEV is totaled?
• Can I afford low physical damage deductibles?
• Am I covered if I break a side mirror?
• Should I buy more coverage than the required minimum liability coverage?
• Am I covered by my spouse’s policy after a separation?
• Am I covered when driving someone else’s vehicle?
• Does my car insurance cover rental cars?
• When would I need rental car insurance?
• Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from getting keyed, theft and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages – Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees, emergency aid and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for bills such as pain medications, surgery and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverage – Collision coverage will pay to fix damage to your i-MiEV from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, backing into a parked car, sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2017 Mitsubishi i-MiEV.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Take this to the bank

Insureds leave their current company for a variety of reasons including delays in paying claims, high prices, an unsatisfactory settlement offer or even extreme rates for teen drivers. It doesn’t matter what your reason, switching companies can be less work than you think.

When you buy insurance coverage online, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where someone sacrificed physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy the best coverage you can find at the best possible price while not skimping on critical coverages.

You just learned some good ideas how you can save on 2017 Mitsubishi i-MiEV insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the most savings is with some of the smallest insurance companies.

Helpful articles

• State Laws for Cellphones and Texting (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)