Want cheaper auto insurance rates for your Mitsubishi i-MiEV? I can’t think of a single person who likes paying for auto insurance, particularly when the cost is way too high. Insurance companies such as State Farm, GEICO and Farmers Insurance continually hit you with TV and radio ads and it is difficult to see past the geckos and flying pigs and find the best price available.
If you have a current insurance policy or need new coverage, you can learn to get lower rates and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Drivers just need to learn the proper way to buy insurance on the web.
Getting better 2014 Mitsubishi i-MiEV auto insurance pricing isn’t really that difficult. Consumers just need to spend a few minutes on the computer comparing price quotes online from several insurance companies. This can be accomplished using a couple different methods.
The first (and easiest) way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating separate quote forms to each individual auto insurance company. Filling out one form will get you price quotes instantly.
A different way to compare rate quotes requires visiting each individual company website and fill out their own quote form. For example, let’s say you want to compare rates from Liberty Mutual, Safeco and Farmers. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.
To view a list of companies in your area, click here.
The hardest method of comparing rate quotes is to drive around to and from local insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you prefer the personal advice of a licensed agent. Drivers can get prices online and get advice from an agent in your area and we’ll cover that in a bit.
Which method you use is up to you, but double check that you are using the exact same coverages with every price quote. If you are comparing mixed coverages you will not be able to determine which rate is truly the best.
When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might point out if your insurance needs might need professional guidance.
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.
Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as hitting a deer, falling objects, rock chips in glass and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability car insurance
Liability insurance provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.
Liability coverage protects against things such as structural damage, bail bonds, court costs, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
This will pay to fix damage to your i-MiEV resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like crashing into a ditch, rolling your car, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like doctor visits, hospital visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mitsubishi i-MiEV.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.