View 2002 Mitsubishi Mirage Car Insurance Rates

Looking for cheaper car insurance rates for your Mitsubishi Mirage? Beginners to comparing car insurance quotes on the internet can find locating the cheapest auto insurance is nearly impossible.

How to lower your insurance coverage cost

There are multiple methods to compare insurance coverage quotes, and some are less time-consuming than others. You can waste hours driving to local insurance agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most of the best insurance companies are enrolled in a marketplace where insurance shoppers send in one quote, and each company returns a rated price for coverage. This prevents consumers from doing quote requests for every insurance coverage company.

To find out how much you can save on insurance coverage click here to start a free quote.

One minor caviat to comparing rates this way is you can’t choose the companies to receive prices from. If you prefer to choose specific providers to receive pricing from, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

Whichever way you use, ensure you are comparing identical coverage limits with each company. If you use different deductibles it’s not possible to make a fair rate comparison. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Just keep in mind that comparing more quotes increases the change that you will find more affordable insurance.

Tailor your car insurance coverage to you

When choosing coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Can my babysitter drive my car?
  • Is my ex-spouse still covered by my policy?
  • Why do I need rental car insurance?
  • How can I find cheaper teen driver insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Is there coverage for injuries to my pets?
  • Is my teen driver covered when they drive my company car?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverage considerations

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, fire damage, damage from flooding and hitting a bird. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This will pay to fix damage to your Mirage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability coverage

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like medical services, repair costs for stationary objects, loss of income, structural damage and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Mitsubishi Mirage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for nursing services, surgery, hospital visits and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage