1998 Mitsubishi Mirage Insurance Quotes – 8 Ways to Save

Frustrated by the crazy number of auto insurance choices that you can choose from? Many other drivers are as well. vehicle owners have so many choices that it can be a real challenge to find the lowest price.

How to buy auto insurance online

Most of the larger companies give price estimates on their websites. Comparing rates online is fairly straightforward as you simply type in your personal and coverage information on the page. Once you submit the form, their rating system makes automated requests for credit information and your driving record and gives you a price quote based on many factors.

Online price quotes helps simplify price comparisons, but the time it takes to visit a lot of sites and complete many quote forms is monotonous and tiresome. But it is imperative to do this in order to find lower prices.

The quickest way to locate the lowest prices uses just one form to obtain quotes from several different companies. It saves time, helps eliminate reptitive entry, and makes quoting online much easier to do. After sending the form, it is quoted and you can select your choice of the quotes returned. If the quotes result in lower rates, you can simply submit the application and purchase coverage. This process can be completed in less than 10 minutes and may save quite a bit of money.

To find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate the insurance coverages exactly as they are listed on your policy. This makes sure you will get a rate comparison for similar insurance coverage.

Lower rate quotes with these eight auto insurance discounts

Companies offering auto insurance don’t always publicize all possible discounts very well, so we took the time to find both the well known as well as the least known savings tricks you should be using when you buy insurance coverage online.

  • Early Payment Discounts – By paying your policy upfront instead of paying each month you may have a lower total premium amount.
  • No Claim Discounts – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
  • Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break on your policy.
  • Military Discounts – Being on active duty in the military can result in better prices.
  • Distant College Student Discount – Older children living away from home attending college and do not take a car to college may be able to be covered for less.
  • Bundle and Save – If you combine your auto and homeowners policies and place coverage with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current expiration date. This discount can save up to 10%.
  • Low Mileage – Maintaining low annual mileage can earn slightly better premium rates than normal.

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A partial list of companies that may offer policyholders some of the above discounts include:

When comparing rates, check with each insurance company which discounts you qualify for. Some of the earlier mentioned discounts might not apply in your area. If you would like to see a list of insurers that provide some of the discounts listed above, click this link.

Auto insurance can get complicated

When choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions may help highlight if your insurance needs could use an agent’s help.

  • Is a blown tire covered by insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is roadside assistance coverage?
  • Do I need replacement cost coverage on my 1998 Mitsubishi Mirage?
  • What can I do if my company denied a claim?
  • Is my teenager covered with friends in the car?
  • When should I drop full coverage on my 1998 Mitsubishi Mirage?
  • Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance advertising tricks

Popular insurance providers such as State Farm and Allstate continually stream ads in print and on television. All the ads convey the message about saving some big amount if you move your insurance coverage to their company. How do they all charge you a lower premium? This is the way they can do it.

Insurance companies have an ideal profile for the type of driver that will not have excessive claims. An example of a profitable risk profile might have to be over the age of 50, has a low-risk occupation, and chooses high deductibles. Anyone that fits those parameters will get low rates and will save when switching.

Potential insureds who do not fit the ideal profile must pay higher rates and this results in business not being written. If you pay attention, the ads say “people that switch” not “everyone who quotes” will save that much if they switch. That’s the way insurance companies can confidently make claims that they all have the best rates. Because of the profiling, you absolutely need to get insurance coverage quotes as often as possible. Because without a comparison, you cannot know the company that will have the lowest rates.

Insurance policy coverages for a 1998 Mitsubishi Mirage

Knowing the specifics of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for bills for nursing services, prosthetic devices and doctor visits. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability – This will cover damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as court costs, legal defense fees, structural damage and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your 1998 Mitsubishi Mirage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage – This covers damage to your Mirage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, scraping a guard rail and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, hail damage, damage from flooding, hitting a deer and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Keep this in mind

As you quote insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where someone sacrificed uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best cost while still protecting your assets.

The cheapest 1998 Mitsubishi Mirage insurance is definitely available online as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies don’t offer rate quotes online and many times these small, regional companies provide coverage only through independent agents.

We covered many tips how you can get a better price on 1998 Mitsubishi Mirage insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. You may be surprised to find that the best premium rates are with a smaller regional carrier.

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