1993 Mitsubishi Precis Insurance Rates

Finding better insurance prices for a new or used Mitsubishi Precis can turn out to be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to compare car insurance rates and we’ll show you the absolute fastest way to get price quotes for a new or used Mitsubishi and locate the lowest price from both online companies and local agents.

You should make it a habit to price shop coverage before your next renewal since insurance prices are usually higher with each renewal. Despite the fact that you may have had the best price for Precis coverage a few years ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the best ways to reduce your cost while improving coverage.

You may qualify for discounts

Insurance can be prohibitively expensive, but there could be available discounts to help bring down the price. Most are applied at quote time, but occassionally some discounts must be inquired about before being credited.

  • Paperless Signup – Some of the larger companies will give you a small discount for completing your application on your computer.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
  • Distant Student – Any of your kids who are enrolled in higher education away from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Safety Course Discount – Taking part in a course teaching defensive driver skills may get you a small discount if you qualify.
  • Active Military Service – Being on active duty in the military can result in better prices.

It’s important to note that most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

The best car insurance companies and their possible discounts can be read below.

  • State Farm offers discounts including driver’s education, good student, Steer Clear safe driver discount, student away at school, accident-free, and safe vehicle.
  • Farmers Insurance may offer discounts for switch companies, pay in full, electronic funds transfer, teen driver, multi-car, and bundle discounts.
  • Progressive has savings for continuous coverage, multi-vehicle, multi-policy, homeowner, online quote discount, and online signing.
  • GEICO policyholders can earn discounts including multi-policy, federal employee, good student, anti-lock brakes, air bags, and five-year accident-free.
  • Auto-Owners Insurance includes discounts for multi-policy, paid in full, company car, multiple vehicles, anti-theft, teen driver, and group or association.
  • The Hartford may have discounts that include driver training, good student, air bag, defensive driver, vehicle fuel type, anti-theft, and bundle.
  • Farm Bureau may include discounts for safe driver, renewal discount, youthful driver, 55 and retired, multi-policy, and multi-vehicle.
  • USAA discounts include military installation, multi-vehicle, defensive driver, family discount, and good student.

Before purchasing a policy, check with each insurance company which discounts you qualify for. A few discounts might not be offered everywhere. If you would like to view companies that can offer you the previously mentioned discounts, click here.

Compare free insurance price quotes

Lowering your 1993 Mitsubishi Precis insurance rates is a great way to save money. Just invest a few minutes to get quotes from some recommended companies. Price comparisons can be done by following the guidelines below.

  1. If you don’t have a lot of time, the easiest way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This style of form keeps you from doing boring form submissions for each company. One simple form will get you price quotes from several companies.It’s the quickest way to get rates.
  2. A slightly less efficient method to find more affordable insurance is to manually visit the website of each company and fill out their own quote form. For instance, we’ll pretend you want to get rates from GEICO, 21st Century and Allstate. To do that, you would have to go to every website and repeatedly type in your coverage information, which can get rather old. To view a list of companies in your area, click here.

Compare rates however you want, just double check that you are using the exact same coverage limits on every quote you get. If your comparisons have different coverage information it’s impossible to determine the best price for your Mitsubishi Precis.

There’s no such thing as the perfect insurance policy

When buying the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions may help highlight if you may require specific advice.

  • Should I waive the damage coverage when renting a car?
  • Should I rate my 1993 Mitsubishi Precis as pleasure use or commute?
  • Can I afford to buy a different vehicle if my 1993 Mitsubishi Precis is totaled?
  • Can my teen drive my company car?
  • What is no-fault insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Insurance specifics

Understanding the coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as funeral costs, rehabilitation expenses, pain medications, surgery and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, hail damage, hitting a bird, vandalism and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This 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 damage to your Mitsubishi Precis.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Collision insurance

This covers damage to your Precis from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability coverage will cover injuries or damage you cause to a person or their property. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like repair bills for other people’s vehicles, legal defense fees and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Shop Smart and Save

Insureds switch companies for many reasons like policy cancellation, delays in responding to claim requests, not issuing a premium refund or extreme rates for teen drivers. It doesn’t matter why you want to switch finding a great new company can be less work than you think.

You just read a lot of information how to shop for 1993 Mitsubishi Precis insurance online. It’s most important to understand that the more times you quote, the higher the chance of saving money. Drivers may discover the lowest prices are with some of the smallest insurance companies.

As you quote auto insurance, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

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