Save on 1991 Mitsubishi Precis Insurance Quotes

Want lower car insurance rates for your Mitsubishi Precis? Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, you’re not alone.

With so many car insurance companies to choose from, it’s nearly impossible to choose the lowest price car insurance company.

How to Compare Car Insurance Quotes

When shopping for car insurance there are multiple ways to compare quotes and find the best price. The easiest way to find the lowest 1991 Mitsubishi Precis rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for a different quote for each company you want a rate for. One form submission gets rate comparisons from car insurance companies with the best prices.
  2. A more difficult way to compare rate quotes requires visiting the website for each individual company to complete their respective quote request forms. For sake of this example, let’s assume you want to compare State Farm, Progressive and Allstate. To find out each rate you need to visit each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

Whichever way you use, be sure to compare identical deductibles and coverage limits on every quote. If your comparisons have different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Mitsubishi Precis. Having just a slight variation in coverages can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes will increase your chances of finding better pricing.

Mitsubishi Precis insurance rates consist of many parts

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for insurance. Knowing what impacts premium levels enables informed choices that can help you get better insurance rates.

Shown below are a few of the “ingredients” insurance companies consider when setting your rates.

  • Don’t sacrifice liability coverage – Liability coverage provides coverage if you are found liable for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • Are you male or female? – Statistics show women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men tend to get into accidents in similar percentages, but the males tend to have more serious accidents. They also have more aggressive citations such as DWI and reckless driving.
  • Teen drivers pay high rates – Older insureds tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers are known to be more careless when behind the wheel and because of this, their insurance rates are much higher.
  • Safer cars cost less to insure – Vehicles with high crash test scores can get you lower premiums. These vehicles have better occupant injury protection and fewer injuries means lower claim amounts passed on to you as lower rates. If your Mitsubishi scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Traffic violations increase rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers receive lower rates than people who have multiple driving citations. Even a single ticket can increase rates by twenty percent. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.

Discounts on Mitsubishi Precis insurance

Auto insurance companies do not list every available discount in an easy-to-find place, so we break down both well-publicized as well as the least known savings tricks you should be using.

  • 55 and Retired – Older drivers may receive reduced rates on Precis insurance.
  • Seat Belts Save – Requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • New Car Discount – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared with drivers who are more careless.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Multiple Cars – Buying insurance for all your vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
  • Multiple Policy Discount – When you have multiple policies with one company you will save up to 20% off your total premium.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck.

For a list of providers with the best insurance coverage discounts, click here to view.

Tailor your coverage to you

When it comes to choosing adequate coverage, there is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Will my insurance pay for OEM parts?
  • Am I covered if my car is in a flood?
  • How can I force my company to pay a claim?
  • At what point should I drop full coverage?
  • Is rental equipment covered for theft or damage?
  • I don’t drive much so do I pay less?
  • If I drive on a suspended license am I covered?
  • Is a fancy paint job covered?
  • What if I owe more than I can insure my car for?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Learning about specific coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Auto liability insurance – This coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like bail bonds, emergency aid, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – This covers damage to your Precis resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, rolling your car, driving through your garage door, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical expense insurance – Coverage for medical payments and/or PIP pay for expenses like funeral costs, pain medications, rehabilitation expenses, doctor visits and prosthetic devices. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 1991 Mitsubishi Precis.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, hail damage, fire damage, rock chips in glass and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Quote more, save more

Discount 1991 Mitsubishi Precis insurance can be sourced online and with local insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. In many cases, drivers have reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

In this article, we covered many tips how you can reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the best price on insurance is with an unexpected company. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, Geico and Nationwide.

More tips and info about insurance is located in the articles below: