Lower Your 1993 Mitsubishi Precis Insurance Cost

Want lower auto insurance rates for your Mitsubishi Precis? Have you fallen victim to overpriced auto insurance? Believe me when I say there are lots of people in the same boat. Lots of auto insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the lowest rate

Consumers should take time to take a look at other company’s rates at least once a year since rates trend upward over time. If you had the lowest price on Precis insurance a few years ago a different company probably has better rates today. Don’t believe everything you read about auto insurance online but by reading this article, you’re going to learn some of the best ways to find cheap auto insurance.

If you have insurance now or are shopping for new coverage, you will benefit by learning to get lower rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the proper way to shop their coverage around online.

How to Compare Car Insurance Costs

Shopping for lower car insurance rates can be a daunting task if you don’t understand the most efficient way. You can spend countless hours talking about coverages with agents in your area, or you can stay home and use the web to achieve your goal.

Many insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each participating company provides a quote based on that data. This system prevents you from having to do quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is that you can’t choose which companies you will receive quotes from. So if you want to select specific insurance companies to request quotes from, we have a page of car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same information with each company. If you have higher or lower deductibles you will not be able to make an equal comparison.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but you may find discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but less common discounts must be specifically requested before you will receive the discount. If you don’t get every credit possible, you are paying more than you should be.

• Accident Forgiveness – Certain companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
• Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
• Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
• Fewer Miles Equal More Savings – Fewer annual miles on your Mitsubishi could qualify for a substantially lower rate.
• Driver’s Ed – Have your child take driver’s ed class if offered at their school.
• Distant Student – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
• Claim Free – Claim-free drivers can save substantially as compared to accident-prone drivers.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way. But any discount will help reduce your overall premium however.

To see a list of insurance companies with the best auto insurance discounts, click here to view.

How do I know if I need professional advice?

When choosing adequate coverage, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

• Does car insurance cover theft of personal property?
• Should I buy full coverage?
• Are my friends covered when driving my car?
• Are rock chip repairs covered?
• Is business equipment covered while in my vehicle?
• Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Car insurance 101

Knowing the specifics of auto insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1993 Mitsubishi Precis.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for liability – Liability coverage protects you from damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like repair bills for other people’s vehicles, structural damage, funeral expenses, attorney fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses for X-ray expenses, EMT expenses, hospital visits and nursing services. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverages – This pays for damage to your Precis from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, colliding with another moving vehicle, hitting a parking meter and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane, falling objects, damage from flooding and hitting a deer. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.