2017 Mitsubishi i-MiEV Insurance Quotes – 5 Tricks for Best Rates

Looking for better car insurance rates for your Mitsubishi i-MiEV? Having to pay for high-priced Mitsubishi i-MiEV insurance can dry up your checking account and force you to prioritize other expenses. Getting a rate comparison is a fast and free way to tighten up your finances.

Big-name insurance companies like GEICO, Progressive and Allstate all claim big savings, bombarding you with catchy ads and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

If you have a policy now or are just looking to switch companies, you can use this information to find the best rates while maximizing coverage. Finding the best rates is quite easy. Drivers just need to understand the tricks to compare price quotes on the web.

Insurance coverage policy discounts

Some insurers don’t list every possible discount in an easy-to-find place, so the following is a list of a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance coverage online.

  • Defensive Driver Discounts – Passing a course in defensive driving could earn you a small percentage discount if your company offers it.
  • Switch and Save Discount – Some larger companies reward drivers for switching policies prior to the expiration date on your current policy. It could save around 10% when you buy insurance coverage online.
  • Paperwork-free – Some of the larger companies will give you a small discount for completing your application online.
  • Military Rewards – Having a deployed family member may lower your prices slightly.
  • Cautious Driver Discount – Insureds without accidents may receive a discount up to 45% for i-MiEV insurance as compared to drivers with claims.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though you would think all the discounts add up to a free policy, companies don’t profit that way. But any discount should definitely cut your premiums.

To view insurance companies that provide some of the discounts listed above, click here to view.

Why you might not save $392 a year

Drivers can’t get away from ads for cheaper auto insurance by State Farm and Allstate. They all say the same thing that you’ll save big just by moving your auto insurance coverage to their company.

How does every company offer you a better deal? Here is how they do it.

Auto insurance companies provide the lowest rates for the type of customer that makes them money. One example of a preferred risk may need to be over the age of 35, has no tickets, and has excellent credit. Any person that fits those parameters will probably get cheap premium rates and will most likely save some money.

Insureds who are not a match for those criteria will be quoted higher rates which usually ends up with the customer buying from someone else. The ads say “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can make those claims.

That is why you really should compare price quotes frequently. It’s just too difficult to predict which insurance companies will be your best fit.

How do I know if I need professional advice?

When buying coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. For example, these questions may help you determine if you would benefit from professional advice.

  • What is the minimum liability in my state?
  • Can I get a multi-policy discount?
  • Can I make deliveries for my home business?
  • Does car insurance cover theft of personal property?
  • How can I find cheaper teen driver insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when pulling a rental trailer?
  • Am I covered if I break a side mirror?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage options for a Mitsubishi i-MiEV

Knowing the specifics of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your 2017 Mitsubishi i-MiEV.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, theft and fire damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses like surgery, dental work, hospital visits and rehabilitation expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, hitting a parking meter, driving through your garage door, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability car insurance

This coverage provides protection from damage that occurs to other’s property or people in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, medical expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Don’t be a big spender

More affordable auto insurance is attainable both online and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers may not offer the ability to get a quote online and most of the time these smaller companies prefer to sell through independent agents.

In this article, we presented a lot of tips how to save on 2017 Mitsubishi i-MiEV insurance. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding low cost insurance coverage. Consumers could even find that the lowest rates are with a small local company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

More tips and info about auto insurance is located in the articles below: