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: Jun 23, 2018

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Are you drained from scraping nickels together to pay insurance coverage each month? You are no different than most other drivers. Popular companies such as GEICO, Progressive and Allstate continually hit you with catchy ads and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.

The quickest method we recommend to get rate comparisons is to know the fact most of the bigger providers participate in online systems to provide you with a free rate quote. The one thing you need to do is spend a couple of minutes providing details like coverage limits, whether you have decent credit, if you lease or own, and if your license is active. That rating data is instantly sent to multiple different insurance companies and you get price estimates instantly to find the best rate.

To compare multiple company rates now, click here and enter your coverage details.

Mitsubishi Expo insurance premiums can be more affordable

Many factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving history, although some other factors are less apparent like your vehicle usage or how safe your car is.A large part of saving on car insurance is knowing some of the factors that help determine the rates you pay for car insurance. If you understand what determines premiums, this helps enable you to make changes that could result in lower rates.

The list below includes some of the major factors car insurance companies consider when setting your rate level.

  • Get a ticket, pay higher premiums – Drivers with clean records pay lower auto insurance prices as compared to those with violations. Having just one citation could increase your next policy renewal by as much as twenty percent. Drivers unfortunate enough to have license-revoking violations like DUI, reckless driving or excessive speeding may need to prove financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Do thieves like your car? – Choosing a vehicle with anti-theft technology or alarm system can save you some money. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping vehicle theft.
  • Cheaper rates after marriage – Walking down the aisle may save some money on your car insurance policy. It translates into being more stable financially and it’s proven that married drivers get in fewer accidents.
  • Are women or men drivers cheaper? – Over the last 30 years, statistics show females are less aggressive when driving. However, don’t assume that females are better at driving than males. Males and females are in auto accidents at a similar rate, but the male of the species tend to have more serious accidents. In addition to higher claims, males also get higher numbers of serious violations like driving under the influence (DUI). Young males have the highest risk to insure so they pay the highest premiums.
  • Teen drivers pay high premiums – Teenage drivers are statistically proven to be inattentive and easily distracted behind the wheel so they pay higher car insurance rates. Having to add a youthful driver onto a policy can cause a big jump in price. Older drivers are more cautious drivers, cause fewer claims and accidents and are safer drivers.
  • Car insurance liability protection limits – The liability coverage on your policy will afford coverage in the event that a court rules you are at fault for damages caused by your negligence. It provides for a legal defense which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Drivers with good credit save on car insurance – Credit history is a big factor in determining what you pay. Drivers who have excellent credit tend to be more responsible than drivers with lower credit ratings. Therefore, if your credit rating is low, you could pay less to insure your 1995 Mitsubishi Expo by improving your credit score.
  • Insure your auto and home with one company – Many companies provide better rates to buyers that purchase more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, it’s always a smart idea to comparison shop to confirm you are receiving the best rates possible. You may still be able to save even more even if you insure with multiple companies

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

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Cheap car insurance rates with discounts

Companies do not list every available discount very well, so below is a list a few of the more well known and the harder-to-find discounts you could be receiving when you buy auto insurance online. If you do not double check each discount you qualify for, you are throwing money away.

  • Professional Memberships – Having an affiliation with certain professional organizations could qualify you for a break on your bill.
  • Data Collection Discounts – Drivers who elect to allow their company to study where and when they drive by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they have good driving habits.
  • Distant Student – Kids who are enrolled in higher education away from home and do not take a car to college can receive lower rates.
  • Multiple Cars – Purchasing coverage when you have multiple cars with the same car insurance company qualifies for this discount.
  • Pay Early and Save – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will positively reduce your overall bill.

Companies and the discounts they provide are included below.

  • GEICO includes discounts for daytime running lights, seat belt use, military active duty, federal employee, emergency military deployment, driver training, and air bags.
  • SAFECO has savings for teen safe driver, accident prevention training, anti-theft, teen safety rewards, safe driver, drive less, and homeowner.
  • State Farm offers discounts including good driver, accident-free, defensive driving training, multiple autos, multiple policy, and Drive Safe & Save.
  • MetLife may include discounts for good driver, good student, defensive driver, multi-policy, claim-free, and accident-free.
  • 21st Century has discounts for 55 and older, good student, teen driver, defensive driver, and driver training.
  • Progressive policyholders can earn discounts including homeowner, online signing, good student, multi-policy, and continuous coverage.

When quoting, ask every company the best way to save money. Savings may not be available in your area. To locate insurers that offer discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage, there is no best way to insure your cars. Every situation is different so your insurance should reflect that For instance, these questions can aid in determining whether you would benefit from professional advice.

  • How do I buy GAP insurance?
  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • Who is covered by my policy?
  • Is my trailer covered?
  • Is there coverage for injuries to my pets?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Specific coverages for a 1995 Mitsubishi Expo

Learning about specific coverages of a auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on the average auto insurance policy.

Liability coverage

Liability insurance protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of 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 values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, pain and suffering and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Mitsubishi Expo.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Expo caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix 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 coverage protects against claims such as hitting a bird, hitting a deer, rock chips in glass and fire damage. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills like X-ray expenses, EMT expenses, nursing services, dental work and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

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

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Online plus local equals savings

Cost effective 1995 Mitsubishi Expo insurance is available online as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and many times these small insurance companies sell through independent agents.

When shopping online for insurance coverage, you should never buy poor coverage just to save money. In many instances, drivers have reduced liability coverage limits to discover at claim time that they should have had better coverage. The aim is to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

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