Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Having to pay for expensive auto insurance can drain your monthly budget and force you to tighten up your finances. Comparing price quotes is an excellent way to make sure you’re not throwing money away.

Consumers have many insurance companies to choose from, and although it’s a good thing to have a selection, too many choices makes it more difficult to adequately compare rates.

It’s important to compare premium rates once or twice a year because rates change quite often. Even if you think you had the lowest rate on Expo insurance at your last renewal you can probably find a lower rate today. Block out anything you think you know about auto insurance because we’re going to show you the fastest and easiest way to lower your annual insurance bill.

Buying car insurance is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can follow these tips to find better prices while maximizing coverage. Drivers just need to learn the best way to buy car insurance on the web.

Discounts can really help save money

Some providers do not list every discount they offer in an easy-to-find place, so the list below contains both well-publicized and the harder-to-find credits available to bring down your rates. If they aren’t giving you every credit available, you are not getting the best rate possible.

  • Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
  • Defensive Driver – Completing a course that instructs on driving safety can save you 5% or more and make you a better driver.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Military Rewards – Being on active duty in the military could trigger a small discount.
  • No Charge for an Accident – Not a discount per se, but some companies like Progressive, Allstate, and GEICO may permit one accident without raising rates if you are claim-free for a particular time prior to the accident.

A little disclaimer on discounts, most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

Large insurance coverage companies and a summarized list of policyholder discounts include:

  • Mercury Insurance has discounts for age of vehicle, good student, good driver, anti-theft, professional/association, and multi-car.
  • Farmers Insurance policyholders can earn discounts including good student, business and professional, electronic funds transfer, homeowner, switch companies, and distant student.
  • Farm Bureau includes discounts for good student, driver training, 55 and retired, multi-policy, renewal discount, and youthful driver.
  • State Farm offers discounts including accident-free, good driver, Steer Clear safe driver discount, good student, Drive Safe & Save, multiple autos, and driver’s education.
  • Allstate offers premium reductions for good payer, good student, defensive driver, FullPay discount, economy car, EZ pay plan discount, and senior citizen.
  • GEICO discounts include daytime running lights, anti-theft, defensive driver, federal employee, seat belt use, and anti-lock brakes.

When comparing rates, check with every insurance company which credits you are entitled to. Depending on the company, some discounts might not be offered on policies in your area.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Buy insurance coverage online

The majority of larger companies provide prices for coverage online. Doing online quotes is pretty easy as you just enter the coverage amounts you desire as requested by the quote form. Behind the scenes, the system orders your driving record and credit report and quotes a price based on the information you submitted. Being able to quote online simplifies rate comparisons, but the time it takes to visit a lot of sites and fill out multiple forms is a big time waster. But it’s also necessary to get many rate quotes if you are searching for the lowest price.

Online rates the easy way

A less time-consuming method to compare insurance coverage pricing requires only one form that gets price quotes from a lot of companies. It saves time, helps eliminate reptitive entry, and makes quoting online much easier. After sending your information, it gets priced with multiple companies and you can pick any of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. It takes less than 15 minutes and can result in significant savings.

If you want to find out how much you’re overpaying now, click here and fill out the form. If you have your current policy handy, we recommend you input exactly as shown on your declarations page. Using the same limits helps guarantee you will have rate comparison quotes using the same coverage and limits.

Learn how to buy car insurance cheaper

A large part of saving on car insurance is knowing some of the elements that are used to determine the rates you pay for car insurance. If you understand what determines base rates, this allows you to make educated decisions that could help you find lower rates. Many things are part of the calculation when you get a price on insurance. Some are obvious such as your driving record, although some other factors are not quite as obvious such as your marital status or your vehicle rating.

  • Pay more if you have a long commute – Being located in a rural area can save you money when buying car insurance. Fewer drivers translates into fewer accident claims. Urban drivers tend to have much more traffic and more time behind the wheel. More time behind the wheel means higher likelihood of an accident.
  • Liability insurance risk factors in – A critical coverage on your policy, liability insurance is the protection if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so do not cut corners here.
  • Drive fewer miles and save – The higher the miles on your Mitsubishi every year the more it will cost to insure it. Almost all companies charge to insure your cars based on how the vehicle is used. Autos used primarily for pleasure use receive better premium rates than vehicles that have high annual mileage. An incorrectly rated Expo may be costing you higher rates. It’s a smart idea to ensure your car insurance policy is showing the correct usage.
  • The higher your credit score the lower your prices – Having a bad credit score is a big factor in determining what you pay. Drivers with good credit tend to be better risks to insure than those with poor credit scores. If your credit score is lower than you’d like, you may save money insuring your 1993 Mitsubishi Expo by improving your rating.
  • Comp and collision deductibles are a factor – Deductibles for physical damage define the amount you are willing to pay before your car insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims could be colliding with a stationary object, damage caused by hail, or theft of your vehicle. The more damage repair cost you pay before a claim is paid (deductible), the less money you will pay for car insurance on Expo insurance.
  • Too many insurance claims will drive rates up – Insurance companies provide discounts to drivers who file claims infrequently. If you frequently file small claims, you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is designed for major claims that would cause financial hardship.
  • Alarms and GPS tracking lowers rates – Purchasing a vehicle with advanced anti-theft systems can save you a little every year. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft and help lower rates.
  • Better premiums on safer cars – Vehicles that have high safety ratings can get you lower premiums. Vehicles built for safety reduce injuries and better occupant protection translates directly to fewer claims which can result in lower premiums.

Will just any policy work for me?

When choosing coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so this has to be addressed. These are some specific questions could help you determine if your insurance needs might need professional guidance.

  • When should I buy a commercial auto policy?
  • Is there coverage for injuries to my pets?
  • Can my teen drive my company car?
  • Do I pay less for low miles?
  • When would I need additional glass coverage?
  • What is covered by UM/UIM coverage?
  • Are split liability limits better than a combined single limit?
  • What are the best liability limits?
  • How high should my medical payments coverage be?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Drivers who switch save $407 a year? Really?

Drivers can’t escape the ads that claim the lowest rates by GEICO, State Farm and Progressive. All the ads have a common claim about savings just by moving to their company.

Is it even possible that every company can have lower policy pricing? You have to listen carefully.

Insurance providers quote their best rates for the type of driver that will most likely be profitable. For example, a desirable insured should be a married female, has no claims, and does not commute to work. A customer getting a price quote who fits that profile receive the lowest rate quotes and therefore will cut their rates if they switch.

Consumers who don’t qualify for these criteria will be quoted a higher rate which results in business going elsewhere. The wording the ads use say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can make it sound like they have such great premium rates. Because of the profiling, you really need to do a price quote comparison at every renewal. Because you never know with any certainty which company will give you lower car insurance rates than your current company.

Educate yourself about car insurance coverages

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 1993 Mitsubishi Expo.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for collisions

Collision coverage will pay to fix damage to your Expo resulting 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 things like colliding with another moving vehicle, crashing into a building, hitting a mailbox, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for rehabilitation expenses, surgery, chiropractic care and dental work. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

This coverage can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like medical services, loss of income, structural damage, funeral expenses and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, damage from getting keyed, falling objects, hitting a deer and hail damage. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In conclusion

We just covered a lot of ways to compare 1993 Mitsubishi Expo insurance auto insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers may even find the lowest auto insurance rates come from the smaller companies. These smaller insurers may have significantly lower premium rates on certain market segments than their larger competitors like State Farm and Allstate.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where drivers have reduced liability limits or collision coverage and learned later that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

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