2000 Mitsubishi Mirage Insurance Quotes – 8 Tips for Cheaper Rates

Having to pay for high-priced Mitsubishi Mirage insurance can deplete your funds and put the squeeze on your family’s finances. Big companies like GEICO, 21st Century and Progressive all claim big savings, bombarding you with ad campaigns and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

It’s a great practice to do price comparisons at least once a year because insurance prices change quite often. Just because you found the best price on Mirage insurance a couple years back other companies may now be cheaper. You can find a lot of information about car insurance on the web, but I’m going to show you some great ways to find cheap car insurance.

If you have insurance now or need a new policy, you can follow these tips to find the best rates and still get good coverage. Finding affordable coverage is not rocket science. Consumers just need to know the proper way to shop for insurance coverage over the internet.

How to buy car insurance online

Reducing your 2000 Mitsubishi Mirage insurance rates is actually quite simple. All you need to do is invest a little time to get quotes online with multiple companies. Shoppers can get rates using one of these methods.

  • Probably the best way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating separate forms for each company. Just one form compares rates from multiple low-cost companies.
  • A more difficult way to find lower rates is going to the website for each individual company to request a price quote. For example, let’s say you want comparison quotes from Nationwide, Farmers and Progressive. In order to get each rate, you would have to take the time to go to each site and repeatedly enter your information, which can get old fast. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, try to keep the exact same quote data for each quote you get. If each company quotes different coverage information you will not be able to determine which rate is truly the best.

Tailor your car insurance coverage to you

When choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • Are my friends covered when driving my car?
  • Can I make deliveries for my home business?
  • Should I have combined single limit or split liability limits?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my camper covered by my car insurance policy?
  • Is rental equipment covered for theft or damage?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Car insurance coverages explained

Having a good grasp of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

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. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, backing into a parked car, hitting a parking meter and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses for things like chiropractic care, EMT expenses and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as loss of income, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, hitting a deer, damage from flooding, rock chips in glass and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.