Compare 1999 Mitsubishi Mirage Car Insurance Quotes

No normal person anticipates paying for car insurance, especially when they know they are paying too much. Big-name insurance companies like GEICO, Progressive and Allstate constantly bombard you with ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

It’s a good habit to compare prices every six months because prices fluctuate regularly. If you had the best deal for Mirage coverage at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the things you must know in order to find better coverage at a better price.

Are you receiving every discount?

Car insurance is not inexpensive, but there’s a good chance there are discounts that you may not know about. Certain discounts will be applied when you purchase, but less common discounts must be inquired about before you will receive the discount. If you are not receiving all the discounts available, you are not getting the best rate possible.

  • Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
  • Claim-Free Discount – Claim-free drivers get the best car insurance rates compared to drivers with a long claim history.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same car insurance company can reduce the rates for all insured vehicles.
  • Low Mileage Discounts – Driving less can earn lower premium rates due to less chance of an accident.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Anti-lock Brakes – Cars that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.

As a sidenote, most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.

A few companies who might offer these discounts include:

When getting a coverage quote, ask every prospective company what discounts are available to you. Some of the discounts discussed earlier may not be offered everywhere. If you would like to view providers with discount car insurance rates, click here.

Learn how to lower your insurance premiums

Consumers need to have an understanding of the rating factors that aid in calculating your insurance coverage rates. If you have a feel for what determines base rates, this helps enable you to make changes that will entitle you to lower rates.

The list below includes some of the things used by companies to determine your rate level.

  • Extra policy coverages can cost a lot – There are a ton of additional coverages that you can get tricked into buying on your Mirage policy. Coverages for vanishing deductibles, towing coverage, and extra equipment coverage are some examples. The coverages may be enticing when buying your policy, but if you’ve never needed them in the past consider taking them off your policy.
  • Responsible drivers pay lower prices – Even a single chargable violation can boost insurance rates forty percent or more. Drivers who don’t get tickets get better prices compared to drivers with tickets. People who have flagrant violations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Excellent credit equals lower costs – Your credit score is a big factor in determining what you pay. Therefore, if your credit score could use some work, you could save money insuring your 1999 Mitsubishi Mirage if you improve your credit rating. Consumers who have high credit scores tend to file fewer claims as compared to drivers with poor credit.
  • Being married is a bonus – Getting married can get you a discount on your insurance coverage bill. Having a spouse means you’re more financially stable it has been statistically shown that drivers who are married file infrequent claims.

When in doubt talk to an agent

When choosing the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Am I missing any policy discounts?
  • Is a blown tire covered by insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my teen driver covered when they drive my company car?
  • Should I rate my 1999 Mitsubishi Mirage as pleasure use or commute?
  • Am I covered if I crash into my own garage door?
  • Should I sign the liability waiver when renting a car?
  • What is PIP insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Educate yourself about car insurance coverages

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most car insurance policies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like dental work, rehabilitation expenses, nursing services, X-ray expenses and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Mitsubishi Mirage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, damage from getting keyed, hitting a deer and theft. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays for damage to your Mirage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Liability

Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like court costs, legal defense fees, funeral expenses and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Compare but don’t skimp

We just presented a lot of ways to compare 1999 Mitsubishi Mirage insurance auto insurance rates online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even find the biggest savings come from a small mutual company. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

Affordable 1999 Mitsubishi Mirage insurance is attainable online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not have online price quotes and usually these smaller providers provide coverage only through independent agents.

Even more information can be read by following these links: