1999 Mitsubishi Mirage Car Insurance Rates

Looking for the cheapest car insurance rates? Shoppers have a choice when shopping for the lowest priced Mitsubishi Mirage insurance. You can either waste hours calling around to get rate comparisons or use the internet to get rate quotes.

There are both good and bad ways to compare car insurance rates and we’ll show you the proper way to price shop coverage for a Mitsubishi and find the cheapest rates either online or from local insurance agents.

How to compare free car insurance rate quotes

All the larger car insurance companies such as Progressive, Geico, Allstate and State Farm provide prices for coverage from their websites. Comparing rates online doesn’t take much effort as all you need to do is type in your coverage preferences on the page. Behind the scenes, the quote system automatically orders your driving and credit reports and quotes a price.

Being able to quote online makes it easy to compare insurance prices but the process of having to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible if you are searching for a better rate.

A quicker way to compare car insurance pricing uses one form that gets price quotes from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much more enjoyable. Once the form is submitted, it is quoted and you can choose any of the quotes returned.

If you find a better price it’s easy to complete the application and buy the new coverage. This process can be completed in less than 10 minutes and could lower your rates considerably.

To compare rates using this form now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you enter the limits and deductibles exactly as they are listed on your policy. This guarantees you will have rate comparison quotes using the exact same coverages.

Discount auto insurance quotes

Some insurers don’t necessarily list their entire list of discounts very well, so here is a list some of the best known and the more hidden credits available to lower your premiums when you buy auto insurance online.

  • Federal Employees – Employees or retirees of the government can save as much as 8% for Mirage coverage depending on your auto insurance provider.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the PIP or medical payment premium.
  • Homeowners Pay Less – Just being a homeowner can help you save on auto insurance because maintaining a house is proof of financial responsibility.
  • Senior Citizen Discount – Mature drivers can get a discount up to 10% for Mirage coverage.
  • Auto/Life Discount – Select auto insurance companies reward you with lower prices if you buy some life insurance in addition to your auto policy.
  • Braking Control Discount – Cars equipped with ABS or steering control have fewer accidents and qualify for as much as a 10% discount.
  • No Claim Discounts – Drivers who stay claim-free pay less when compared with accident-prone drivers.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, companies don’t profit that way.

Popular auto insurance companies and a summarized list of policyholder discounts can be found below.

  • Geico may have discounts that include air bags, defensive driver, five-year accident-free, driver training, federal employee, and multi-vehicle.
  • Travelers policyholders can earn discounts including hybrid/electric vehicle, save driver, home ownership, payment discounts, and driver training.
  • Nationwide may include discounts for good student, Farm Bureau membership, family plan, easy pay, multi-policy, defensive driving, and anti-theft.
  • Farmers Insurance includes discounts for bundle discounts, homeowner, early shopping, pay in full, and mature driver.
  • Esurance offers discounts for anti-lock brakes, online quote, claim free, Pac-12 alumni, emergency road assistance, and multi-policy.
  • State Farm has discounts for accident-free, good student, good driver, multiple autos, and driver’s education.
  • Progressive offers discounts including online signing, continuous coverage, homeowner, multi-policy, multi-vehicle, online quote discount, and good student.
  • Mercury Insurance may offer discounts for accident-free, good student, type of vehicle, good driver, low natural disaster claims, age of vehicle, and professional/association.

Check with each company or agent what discounts are available to you. Savings may not apply to policyholders in your area.

Tailor your car insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions may help highlight if your situation will benefit from professional help.

  • Why does it cost so much to insure a teen driver?
  • How much liability do I need to cover my assets?
  • Am I covered if I wreck a rental car?
  • Is my state a no-fault state?
  • Can my babysitter drive my car?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and may give you better protection.

Get lower-cost insurance premiums by understanding these factors

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for auto insurance. If you know what determines premiums, this empowers consumers to make smart changes that can earn you lower auto insurance prices.

  • Your address can modify price – Residing in smaller towns and rural areas of the country is a positive aspect when it comes to auto insurance. Fewer drivers on the road means a lower chance of having an accident and lower theft and vandalism rates. Urban drivers tend to have more auto accidents and longer commutes to work. More time behind the wheel can result in more accidents.
  • An active insurance claims history can cost you – If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Auto insurance companies generally give the lowest premiums to people who are claim-free. Your car insurance is intended for major claims that would cause financial hardship.
  • Prevent theft and save money – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your car from being stolen.
  • Cautious drivers pay less – Having just one speeding ticket or other violation can boost insurance rates forty percent or more. Good drivers receive lower rates as compared to those with violations. Drivers who have careless citations like DUI or reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Safer vehicles cost less to insure – Cars with high safety ratings tend to be cheaper to insure. Highly rated vehicles reduce the chance of injuries and reduced instances of injuries means lower claim amounts which can result in lower premiums.

Information about specific coverages

Having a good grasp of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Liability coverage

This coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as loss of income, attorney fees, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Mitsubishi Mirage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Coverage for collisions

This coverage covers damage to your Mirage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a mailbox, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hail damage, damage from a tornado or hurricane, fire damage and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills such as EMT expenses, chiropractic care, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

In the end, you save

When getting auto insurance quotes online, don’t be tempted to reduce needed coverages to save money. There have been many cases where an accident victim reduced collision coverage and discovered at claim time they didn’t purchase enough coverage. Your objective should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

In this article, we presented a lot of information how to get a better price on 1999 Mitsubishi Mirage insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small local company.

More affordable insurance is attainable both online as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and most of the time these smaller providers sell through local independent agents.

Additional information