1997 Mitsubishi Mirage Insurance Rates – 5 Tips to Save

Searching for the cheapest car insurance rates for your Mitsubishi Mirage? Are you tired of sacrificing to pay car insurance each month? You are no different than many other people. Online insurance companies like State Farm, Allstate, Geico and Progressive all promote huge savings with ads and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.

It’s a good habit to do rate comparisons every six months because prices tend to go up over time. Just because you had the best deal for Mirage insurance at your last renewal you may be paying too much now. You can find a lot of wrong information about car insurance out there, but in a few minutes you can learn the easiest ways to find affordable car insurance.

If you are insured now or are just looking to switch companies, you can learn to shop for the lowest rates while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the proper way to get comparison rates on the web.

Lower rates by qualifying for these five discounts

Car insurance companies do not list all possible discounts in a way that’s easy to find, so the below list has some of the more common and the more hidden ways to save on insurance coverage.

  • Paperwork-free – Certain insurance companies give back up to $50 get insurance digitally online.
  • Accident Free – Drivers who stay claim-free get the best insurance coverage rates when compared with drivers with a long claim history.
  • Multi-line Discount – Larger insurance coverage companies have a break if you buy some life insurance too.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for Mirage insurance with a few insurance coverage companies.
  • Discount for Passive Restraints – Cars that have air bags could see savings of 25 to 30%.

Please keep in mind that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic.

A list of companies and their offered discounts are outlined below.

  • Geico has discounts for emergency military deployment, air bags, seat belt use, defensive driver, and driver training.
  • Mercury Insurance offers discounts for low natural disaster claims, ease of repair, annual mileage, professional/association, multi-policy, good driver, and multi-car.
  • Farmers Insurance has savings for distant student, early shopping, mature driver, pay in full, switch companies, business and professional, and teen driver.
  • Auto-Owners Insurance may have discounts that include student away at school, teen driver, anti-lock brakes, anti-theft, company car, and mature driver.
  • Liberty Mutual policyholders can earn discounts including good student, new vehicle discount, newly married, safety features, multi-car, newly retired, and exclusive group savings.
  • SAFECO includes discounts for teen safe driver, teen safety rewards, homeowner, safe driver, multi-car, accident prevention training, and anti-lock brakes.
  • Progressive discounts include multi-vehicle, homeowner, online signing, online quote discount, multi-policy, continuous coverage, and good student.
  • USAA may include discounts for driver training, good student, military installation, vehicle storage, defensive driver, multi-vehicle, and safe driver.

Before you buy a policy, ask each insurance company to apply every possible discount. Some of the discounts discussed earlier may not apply in every state. To locate insurers that offer the discounts shown above, follow this link.

Finding insurance coverage

Getting a low cost price on 1997 Mitsubishi Mirage insurance is pretty simple and can save money. You just need to take time to get quotes to see which company has low cost insurance quotes. Insurance prices can be quoted in just a few minutes using one of these methods.

  1. The most recommended method to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing repetitive form submissions for each price estimate. Completing one form gets prices estimates from insurance coverage companies with the best prices.
  2. A different way to compare prices is going to each company’s website and get a separate price quote. For sake of this example, let’s say you want comparison quotes from State Farm, Progressive and GMAC. To find out each rate you need to navigate to each company’s site and repeatedly type in your coverage information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. Even if you have time, the least recommended method to shop rates is actually driving to all the different insurance agencies. Comparing rate quotes online has reduced the need for local agents unless you want the guidance of a local agent. If you prefer, some companies allow you to compare the best prices online and get advice from an agent in your area.

You can use whichever method you prefer to find lower rates, just make sure you use exactly the same deductibles and coverage limits with each company. If you enter different data it will be impossible to find the best deal for your Mitsubishi Mirage.

Insurance coverage is unique, just like you

When buying the best insurance coverage coverage, there really is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • What can I do if my company won’t pay a claim?
  • What if I don’t agree with a claim settlement offer?
  • Do I need higher collision deductibles?
  • When should I remove comp and collision on my 1997 Mitsubishi Mirage?
  • Do I need PIP coverage since I have good health insurance?
  • How does medical payments coverage work?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions, 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 insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, hail damage, damage from getting keyed and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like hospital visits, funeral costs, X-ray expenses, doctor visits and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Auto liability insurance

Liability coverage protects you from damage or injury you incur to people or other property. 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 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as repair costs for stationary objects, medical expenses, bail bonds, legal defense fees and funeral expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your Mirage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, hitting a mailbox, sideswiping another vehicle, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

More choices the merrier

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

Throughout this article, we presented a lot of techniques to reduce 1997 Mitsubishi Mirage insurance premium rates online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding affordable insurance. Consumers may even find the lowest premium rates come from the smaller companies. These companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive or Geico.

Additional insurance information can be found at the links below