1994 Mitsubishi Precis Car Insurance Quotes – 8 Policy Discounts

Are you a victim of an underperforming, overpriced car insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their car insurance policy. Many insurers compete for your hard-earned dollar, so it’s not easy to compare every company and uncover the absolute best price available.

You should make it a habit to take a look at other company’s rates occasionally because rates change regularly. Just because you had the lowest price for Precis insurance six months ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the only way to eliminate unnecessary coverages and save money.

Which Auto Insurance is Cheapest?

Getting better 1994 Mitsubishi Precis auto insurance pricing isn’t really that difficult. You just need to take the time comparing rate quotes from different insurance companies. This can be done in several different ways.

  • The fastest way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing boring form submissions to each individual auto insurance company. One form submission gets rate comparisons from auto insurance companies with the best prices.
  • A slightly less efficient method to compare prices is spending the time to visit the website of each company and complete a new quote form. For examples sake, we’ll pretend you want to compare rates from Nationwide, Liberty Mutual and Farmers. To get each rate you have to go to every website and enter your policy data, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  • The least recommended method to get comparison rates is to drive around to and from local insurance agencies. The internet can eliminate the need for a local agent unless you prefer the trained guidance of a local agent. However, consumers can get the lowest quotes online but still have the advice of a local agent and we’ll cover that in a bit.

Whichever method you choose, double check that you are using the exact same information with each company. If you have different limits and deductibles on each one you can’t possibly make a fair comparison for your Mitsubishi Precis.

How to reduce Mitsubishi Precis insurance rates

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but some must be asked about before you will receive the discount. If you don’t get every credit possible, you are paying more than you should be.

  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • One Accident Forgiven – Certain companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Precis insurance depending on your company.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount when buying auto insurance for Precis insurance.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Save over 55 – Older drivers can possibly qualify for a small decrease in premiums for Precis insurance.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.

For a list of companies offering auto insurance discounts, follow this link.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is no perfect coverage plan. Every situation is different and your policy should reflect that. These are some specific questions could help you determine whether or not you would benefit from professional advice.

  • How do I insure my teen driver?
  • I don’t drive much so do I pay less?
  • Is my state a no-fault state?
  • How much liability do I need to cover my assets?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my 1994 Mitsubishi Precis covered for flood damage?
  • When should I remove comp and collision on my 1994 Mitsubishi Precis?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Detailed coverages of your car insurance policy

Understanding the coverages of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages found on the average car insurance policy.

Collision – Collision insurance will pay to fix damage to your Precis resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, colliding with another moving vehicle, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability coverage – This coverage will cover damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like loss of income, funeral expenses and emergency aid. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Mitsubishi Precis.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hail damage, damage from a tornado or hurricane and a broken windshield. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like funeral costs, pain medications, nursing services and hospital visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Online plus local equals savings

Cheaper 1994 Mitsubishi Precis insurance is attainable from both online companies as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

We just showed you many tips how you can save on insurance. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best price on insurance is with a small mutual company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as GEICO and State Farm.

Additional insurance information can be read on the following sites: