Lower Your 2003 Mitsubishi Diamante Car Insurance Quotes

Are you tired of sacrificing to insure your Mitsubishi every month? You’re in the same situation as many other consumers. Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with catchy ads and it is difficult to see through the deception and find the best price available.

It’s a good idea to compare premium rates quite often since prices are usually higher with each renewal. Despite the fact that you may have had the best rates for Diamante insurance on your last policy there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to use online quotes to find better rates and still maintain coverage.

Discounts can really help lower rates

The price of auto insurance can be rather high, but there could be significant discounts to cut the cost considerably. Certain credits will be shown when you purchase, but some must be asked for before you get the savings.

  • Data Collection Discounts – People who choose to allow their car insurance company to monitor driving manner through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because maintaining a house means you have a higher level of financial diligence.
  • Claim Free – Insureds who avoid accidents and claims get the best car insurance rates when compared to drivers with a long claim history.
  • Safe Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% for Diamante insurance than their less cautious counterparts.
  • ABS Braking Discount – Cars and trucks equipped with ABS or steering control are much safer to drive and will save you 10% or more.
  • Renewal Discounts – A few larger companies give discounts for switching to them prior to the expiration date on your current policy. You could save around 10% when you buy car insurance online.
  • Good Grades Discount – Being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Distant Student Discount – Kids who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
  • Low Mileage – Fewer annual miles on your Mitsubishi can qualify you for lower car insurancerates due to less chance of an accident.
  • Multi-car Discount – Purchasing coverage when you have multiple cars on the same car insurance policy can reduce the rates for all insured vehicles.

Don’t be shocked that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you can get free auto insurance, car insurance companies aren’t that generous.

If you would like to see a list of insurers with discount car insurance rates, follow this link.

Buy car insurance online

Shopping for lower car insurance rates can take hours if you don’t utilize the most efficient way to do it. You can waste hours discussing policy coverages with agents in your area, or you could use online quoting to get prices fast.

The majority of car insurance companies take part in a program that enables customers to submit one quote, and at least one company provides a quote based on that data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To access this free quoting program, click here to open in new window.

The only downside to getting quotes like this is you cannot specify which carriers you want pricing from. So if you prefer to choose from a list of companies to compare prices, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just try to keep nearly identical deductibles and coverage limits on every quote you get. If your comparisons have unequal deductibles or liability limits it will be nearly impossible to get a fair rate comparison.

Will just any policy work for me?

When choosing adequate coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

  • If my 2003 Mitsubishi Diamante is totaled, can I afford another vehicle?
  • What is the difference between comprehensive and collision coverage?
  • What is UM/UIM insurance?
  • Am I better off with higher deductibles on my 2003 Mitsubishi Diamante?
  • What are the financial responsibility laws in my state?
  • Do I need higher collision deductibles?
  • Do I have coverage when using my vehicle for my home business?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages 101

Having a good grasp of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like rehabilitation expenses, hospital visits and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Auto collision coverage

This covers damage to your Diamante resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, crashing into a building, hitting a mailbox and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.


This coverage will cover damages or injuries you inflict on other’s property or people. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like medical services, structural damage and bail bonds. How much coverage you buy is your choice, but buy as large an amount as possible.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from getting keyed, theft, damage from flooding and vandalism. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Have money to burn

Cheaper 2003 Mitsubishi Diamante insurance can be bought online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some companies may not offer online price quotes and these small insurance companies work with independent insurance agents.

When searching for inexpensive car insurance quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, an insured dropped collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.

Additional resources