1997 Mitsubishi Mirage Insurance Rates

Sick and tired of being strong-armed to pay your car insurance bill each month? Your situation is no different than many other drivers.

Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurers and get the best coverage at the lowest cost out there.

It’s smart to take a look at other company’s rates at least once a year because rates are usually higher with each renewal. Despite the fact that you may have had the best price for Mirage coverage a couple years back there is a good chance you can find better rates now. Block out anything you think you know about insurance coverage because you’re about to learn the fastest way to find better coverage at a better price.

Insurance Coverage Comparisons

All major insurance coverage companies such as Progressive, Geico, Allstate and State Farm allow you to get insurance quotes directly from their websites. Getting online quotes is pretty painless as you just enter the amount of coverage you want into the quote form. Once entered, their rating system collects information on your driving record and credit history and provides a quote based on these factors. This helps simplify price comparisons, but the time required to go to each company’s website and repetitively complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you want to find better prices.

There is an easier way!

A quicker way to compare insurance coverage pricing makes use of a single form to obtain quotes from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes rate comparisons much more enjoyable. After your information is entered, it is quoted and you can choose any of the returned quotes. If a lower price is quoted, you can simply submit the application and buy the policy. It just takes a couple of minutes and you’ll know if lower rates are available.

If you want to compare rates using this form now, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended that you enter the coverages exactly as shown on your declarations page. Doing this guarantees you will get a rate comparison using the exact same coverages.

When might I need an agent?

When choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions can aid in determining whether you will benefit from professional help.

  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving a rental car?
  • Exactly who is provided coverage by my policy?
  • Am I covered if I hit a deer?
  • Is my custom paint covered by insurance?
  • Should I buy additional glass protection?
  • When should my teen driver be added to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

What insurance coverages do you need?

Learning about specific coverages of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Collision coverage protection

Collision insurance pays for damage to your Mirage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1997 Mitsubishi Mirage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability insurance

Liability coverage will cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like attorney fees, pain and suffering, court costs and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for nursing services, ambulance fees and pain medications. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to 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 coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, hail damage, damage from flooding and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.