Compare 1992 Mitsubishi Mirage Insurance Quotes

If you’re new to shopping for insurance online, it’s easy to be confused due to the large number of insurance companies offering insurance.

Consumers need to do rate comparisons periodically because rates tend to go up over time. Even if you think you had the lowest price on Mirage coverage two years ago a different company probably has better rates today. Ignore everything you know about insurance because you’re about to learn the only way to save money, get proper deductibles and limits, all at the lowest rate.

Are you getting all your discounts?

Car insurance is not cheap, buy you may qualify for discounts that many people don’t even know exist. Some trigger automatically at quote time, but a few need to be asked for before they will apply.

  • Senior Citizens – If you’re over the age of 55, you may be able to get better auto insurance rates on Mirage coverage.
  • Sign Online – Certain companies may give you up to $50 just for signing your application over the internet.
  • Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Mirage coverage than less cautious drivers.
  • Discount for New Cars – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.

It’s important to understand that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free auto insurance policy, you’re out of luck. But any discount will reduce the cost of coverage.

To see a list of companies with discount auto insurance rates, click here.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a perfect coverage plan. Each situation is unique.

For instance, these questions may help highlight whether you might need professional guidance.

  • Am I covered when driving in Canada or Mexico?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need rental car coverage?
  • Do I have coverage if my license is suspended?
  • Do I pay less for low miles?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and Geico consistently run television and radio advertisements. They all say the same thing that you can save if you change to their company. How does each company make almost identical claims? This is how they do it.

Insurance companies can use profiling for the type of customer they prefer to insure. A good example of a preferred risk could be between the ages of 30 and 50, owns a home, and chooses high deductibles. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Drivers who don’t meet the requirements must pay higher rates and this can result in the customer not buying. The ads state “people who switch” not “everyone that quotes” save that kind of money. That’s the way companies can make the claims of big savings.

This illustrates why you absolutely need to compare as many rates as you can. You cannot predict the company that will fit your personal profile best.

Specific coverages for a 1992 Mitsubishi Mirage

Understanding the coverages of your car insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mitsubishi Mirage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision insurance covers damage to your Mirage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for funeral costs, EMT expenses and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, falling objects and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, 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 a person or their property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as attorney fees, court costs and funeral expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Shop. Compare. Save.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. In many cases, an accident victim reduced collision coverage and found out when filing a claim that it was a big mistake. Your strategy should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Insureds leave their current company for any number of reasons including high prices, not issuing a premium refund, unfair underwriting practices and delays in responding to claim requests. Regardless of your reason for switching companies, finding a new insurance company is pretty easy and you might even save some money in the process.

In this article, we covered a lot of ways to lower your 1992 Mitsubishi Mirage insurance rates. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from an unexpected company.

More detailed insurance information is available at these sites: