1996 Mitsubishi Mighty Max Pickup Insurance Cost

Want the cheapest insurance rates for your Mitsubishi Mighty Max Pickup? Trying to find low cost insurance is always challenging for people not familiar with online rate comparisons. With such a large number of insurance companies available, it can be a burden to find the best price.

The most recommended method to compare car insurance rates utilizes the fact all the major auto insurance companies will pay a fee to provide you with a free rate quote. The one thing you need to do is take a few minutes to give details including how your vehicles are used, what your job is, if a SR-22 is required, and which vehicles you own. That rating data is sent automatically to multiple car insurance providers and they return cost estimate instantly to find the best rate.

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

These discounts can cut car insurance rates

Auto insurance companies don’t list all possible discounts very clearly, so the list below details a few of the more common and the more hidden car insurance savings.

  • Waiver for an Accident – Not really a discount, but some companies like Allstate and Progressive allow you one accident without getting socked with a rate hike if you have no claims for a certain period of time.
  • Home Ownership Discount – Owning your own home or condo can save a few bucks since home ownership means you have a higher level of financial diligence.
  • Renewal Discounts – A few car insurance companies offer discounts for renewing your policy before your current expiration date. You may see this discount when you get auto insurance quotes online.
  • Multi-policy Discount – If you combine your auto and home policies with one company you could earn a discount of as much as 10 to 15 percent.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Payment Method – By paying your policy upfront rather than paying monthly you may have a lower total premium amount.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class in school or through a local driver safety program.
  • Low Mileage Discounts – Driving fewer miles can earn better prices on cars that stay parked.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, that’s just not realistic.

Larger car insurance companies and their possible discounts can be found below.

  • Farmers Insurance has savings for early shopping, electronic funds transfer, multi-car, homeowner, and distant student.
  • State Farm includes discounts for multiple autos, Steer Clear safe driver discount, Drive Safe & Save, accident-free, passive restraint, and defensive driving training.
  • Liberty Mutual may offer discounts for newly married, teen driver discount, multi-policy, hybrid vehicle, good student, newly retired, and new graduate.
  • MetLife offers discounts for accident-free, good student, good driver, claim-free, multi-policy, defensive driver
  • Progressive discounts include continuous coverage, multi-policy, good student, homeowner, and online quote discount.

It’s a good idea to ask each company or agent which discounts you qualify for. Some of the discounts discussed earlier may not be available everywhere. To see a list of insurers who offer car insurance discounts, click this link.

Insurance rate influencing factors

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that play a part in calculating your premiums. If you understand what determines premiums, this empowers consumers to make smart changes that could result in lower premium levels. Lots of factors are part of the equation when quoting car insurance. Some are pretty understandable like a motor vehicle report, although others are less apparent such as your credit history and annual miles driven.

Listed below are some of the factors that factor into your rate level.

  • Bundle and save – Many companies give a discount to people that buy multiple policies in the form of a multi-policy discount. The discount can be ten percent or more. Even if you’re getting this discount drivers will still want to check prices from other companies to guarantee you are still saving the most. It’s possible to still save even more even if you have your coverage with different companies
  • Save money by raising physical damage deductibles – Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your Mitsubishi. Examples of some claims that would be covered are a broken side mirror, vandalism, or theft. The deductibles are how much you are required to pay if the claim is covered. The larger the amount you choose to pay out-of-pocket, the lower your rates will be for Mighty Max pickup insurance.
  • You might pay more if you are single – Having a spouse actually saves money on your car insurance bill. Marriage may mean you are more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Does insurance coverage cost more for guys? – Over time, data shows women are more cautious behind the wheel. This data doesn’t prove that men are worse drivers. Both sexes have fender benders in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and therefore are the most expensive to insure.

When do I need an agent’s advice?

When it comes to buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions may help you determine whether your personal situation may require specific advice.

  • Who is covered by my policy?
  • Is my teen driver covered when they drive my company car?
  • Am I insured when driving a different vehicle?
  • Should I buy additional glass protection?
  • Is business equipment covered while in my vehicle?
  • Is pleasure use cheaper than using my 1996 Mitsubishi Mighty Max Pickup to commute?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Ads can be misleading

Auto insurance providers like Allstate and Progressive continually stream ads in print and on television. They all seem to say the same thing about savings just by switching your auto insurance coverage to their company. How is it possible that every company can charge lower premium rates? It’s all in the numbers.

Insurance providers have strict underwriting profiles for the type of customer that earns them the most money. An example of this type of risk profile may need to be between the ages of 30 and 45, has no driving citations, and has great credit. A customer getting a price quote who matches those parameters will most likely get cheap car insurance rates and will also save when they switch companies.

Insureds who do not match this ideal profile will be charged more expensive rates which leads to the prospect going elsewhere. Company advertisements say “drivers who switch” but not “all drivers who get quotes” save the amount stated. That is how companies can make the claims of big savings.

Because every company is different, you really need to do a price quote comparison at every renewal. It is impossible to guess which insurance companies will have the lowest rate quotes.

Parts of your insurance policy

Knowing the specifics of your policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability auto insurance – This coverage will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as court costs, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage pay for short-term medical expenses for surgery, pain medications and dental work. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, damaging your car on a curb, driving through your garage door, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mitsubishi Mighty Max Pickup.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. 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 vandalism, a tree branch falling on your vehicle, damage from a tornado or hurricane, hail damage and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Quote more. Save more.

As you prepare to switch companies, do not reduce needed coverages to save money. There have been many situations where drivers have reduced full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at an affordable rate, not the least amount of coverage.

We covered quite a bit of information on how to save on 1996 Mitsubishi Mighty Max Pickup insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the best car insurance rates are with the least-expected company.

Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, being labeled a high risk driver and an unsatisfactory settlement offer. No matter why you want to switch, switching companies can be less work than you think.

More learning opportunities