Insure Your Mitsubishi Mirage For Less Than You Are Paying Now
If we enjoyed shopping for car insurance, we'd do it more often. But most likely we pay more than we want to and don't really enjoy the buying process. Finding good insurance for your Mitsubishi Mirage probably leaves you feeling the same way.
Step One: Get Insurance Quotes
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. Now that we have the internet, shopping for car insurance online is a snap!
Getting online rate quotes for a Mitsubishi Mirage from all the major insurance companies is very easy and only requires you to enter your information once.
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Quote Tip! In order to accurately compare rates for your Mirage, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Lower your Mirage Insurance Premium
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Mirage insurance rates.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- Most Mitsubishi vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- Do you keep your credit rating in good shape? If you do, you will get a better rate than if you let your credit score slide. Check your credit score regularly to make sure there are few blemishes on your record.
- Higher deductibles save money. If you can afford to pay a larger portion of a comprehensive or collision claim, you will pay substantially less for those coverages if you increase your deductibles to $500 or even $1,000.
Step Three: Buy the Best Policy
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Mirage that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
Coverage will extend from your current policy if you're buying a Mitsubishi Mirage, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Comprehensive (or Other than Collision) and collision coverage will extend to your new Mirage if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
To do more research on car insurance, visit the Insurance Information Institute website.
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