Lower Your 1990 Mitsubishi Precis Car Insurance Rates

Looking for lower auto insurance rates for your Mitsubishi Precis? Are you a victim of overpriced auto insurance? Believe me, you are not the only one feeling buyer’s remorse.

Because you have many choices, it’s nearly impossible to locate the cheapest car insurance company.

Compare the Market for Auto Insurance

Most companies quote coverage prices online. Getting online quotes doesn’t take much effort as you simply enter your coverage information into the quote form. After the form is submitted, the system makes automated requests for reports for credit and driving violations and generates pricing information. Being able to quote online helps simplify price comparisons, but the time required to go to multiple sites and enter the same data into a form is repetitive and time-consuming. But it’s very important to compare as many rates as possible if you are searching for the lowest possible prices on auto insurance.

The easy way to compare rates

The smarter way to find cheaper rates uses one form that analyzes rates from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes online quotes a little more enjoyable. Once the form is submitted, it is quoted and you can choose any one of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

To quickly compare rates using this form now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you type in your coverages just like they are on your policy. Doing this guarantees you’re receiving a fair comparison for exact coverage.

Tailor your coverage to you

When buying coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance should reflect that For instance, these questions might help in determining whether or not you might need professional guidance.

  • Can I afford low physical damage deductibles?
  • What is no-fault insurance?
  • I have a DUI can I still get coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is motorclub coverage worth it?
  • Is a blown tire covered by insurance?
  • Do I need replacement cost coverage?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance specifics

Understanding the coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Collision coverage protection

Collision coverage pays for damage to your Precis resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mitsubishi Precis.

Since a lot of drivers only purchase the least amount of liability that is required, 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 these coverages are similar to your liability insurance amounts.

Liability coverage

Liability insurance protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, hitting a deer, damage from flooding and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as X-ray expenses, funeral costs, rehabilitation expenses and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay