2008 Mitsubishi Raider Insurance Rates – 8 Tips for Cheaper Quotes

Trying to find the cheapest car insurance rates for your Mitsubishi Raider? Are you irritated from sacrificing other expenses to pay your car insurance bill each month? Your situation is no different than millions of other people.

Big-name insurance companies like Allstate, Progressive and GEICO increase brand awareness with ad campaigns and it can be hard to ignore the propoganda and find the best price available.

How to compare car insurance rate quotes

There are several ways to compare car insurance prices but one way is more efficient than others. You could spend the better part of a day driving to agents in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many companies take part in a program that allows shoppers to complete one form, and each participating company can give them a price. This prevents consumers from doing form submissions for each company you want a rate for.

To compare rates now click to open in new window.

The single downside to doing it this way is you don’t know exactly the insurers you will receive quotes from. So if you prefer to choose from a list of companies to compare, we put together a list of car insurance companies in your area. Click to view list.

Whichever method you choose, be certain you are entering identical coverage limits and deductibles for each comparison quote. If you have mixed coverages it will be very difficult to determine the best price for your Mitsubishi Raider. Just a small difference in limits may result in a large different in cost. Just remember that quoting more will improve the odds of getting more affordable insurance. Some companies don’t provide online quotes, so you should also compare prices from the smaller companies as well.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might point out whether your personal situation might need professional guidance.

  • Can my teen drive my company car?
  • Do I need medical payments coverage since I have good health insurance?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in my state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I carry comprehensive and collision coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Information about specific coverages

Having a good grasp of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most car insurance policies.

Collision coverage protection

This covers damage to your Raider 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 protects against things such as rolling your car, colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mitsubishi Raider.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, hail damage and fire damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like medical expenses, repair bills for other people’s vehicles, medical services and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, chiropractic care, surgery and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible