Insure Your Mitsubishi Sigma 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. You might feel the same pain when having to pay the bill on your Mitsubishi Sigma.
Step One: Get Insurance Quotes
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. But you can now comparison shop and buy direct online!
Comparing apples-to-apples price quotes for your Mitsubishi Sigma is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
To find affordable coverage for your Mitsubishi Sigma, the first step is to click the link below and complete the short form.
Quote Tip! In order to accurately compare rates for your Sigma, 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 Sigma 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 Sigma insurance rates.
- For some reason, car theives target particular makes and models more than others. If your Sigma is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- If you've recently completed a driver's training or safety course, tell your insurance company. You may qualify for a 5-10% discount.
- Teen drivers are expensive to insure and the only way to lower your rates is to rate them on an older vehicle with basic liability coverage.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- 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: Choose the Right Company for You
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Sigma 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.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
Before you drive your Mitsubishi Sigma home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new Sigma will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
To do more research on car insurance, visit the Insurance Information Institute website.
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