How Much Does 1997 Mitsubishi Mirage Insurance Cost?

Want better auto insurance rates for your Mitsubishi Mirage? Trying to find better insurance prices for your Mitsubishi Mirage can be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to compare auto insurance rates and you need to know the best way to get price quotes for a new or used Mitsubishi and find the cheapest rates either online or from local insurance agents.

You should take the time to compare rates periodically because insurance rates are variable and change quite frequently. Just because you found the lowest rates for Mirage coverage a few years ago other companies may now be cheaper. So just forget anything you know (or think you know) about auto insurance because we’re going to show you the right way to save money, get proper coverage and the best rates.

Finding the best insurance coverage is easy if you know what you’re doing. If you have a current insurance policy or need a new policy, you can use these techniques to get lower rates and possibly find even better coverage. Drivers just need to know the proper methods to shop their coverage around on the web.

Get lower rates on 1997 Mitsubishi Mirage insurance

Insurance can be prohibitively expensive, but there are discounts available that you may not even be aware of. Some trigger automatically at the time of purchase, but lesser-known reductions have to be manually applied before being credited. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Accident Free – Drivers with accident-free driving histories pay much less as compared to frequent claim filers.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Mirage coverage than drivers with accident claims.
  • Sign Online – Some insurance companies may give you up to $50 for buying your policy digitally online.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce your premiums.

For a list of companies with discount car insurance rates, follow this link.

Which Auto Insurance is Cheapest?

Most companies allow you to get insurance quotes online. This process is fairly simple as you simply type in your coverage preferences into a form. After you submit the form the company’s rating system will obtain your driving and credit reports and returns a price based on these and other factors.

This makes it a lot easier to compare rates but the work required to visit different websites and complete many quote forms is not the best way to spend an afternoon. But it’s very important to do this in order to get better auto insurance pricing.

The better way to compare rates

The quickest way to lower your rates utilizes a single form that analyzes rates from more than one company. The form is fast, reduces the work, and makes comparison shopping a little more enjoyable. Immediately after you send the form, it is quoted and you are able to buy any of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and purchase the new policy. This process takes less than 15 minutes and you will know how your current rates stack up.

To quickly get comparison pricing now, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you duplicate the coverage information exactly as shown on your declarations page. This ensures you’re receiving rate comparison quotes based on the exact same insurance coverage.

Tailor your coverage to you

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • When should my teen driver be added to my policy?
  • Am I missing any policy discounts?
  • Am I covered when pulling a rental trailer?
  • What is covered by UM/UIM coverage?
  • Do I have coverage if my license is suspended?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages 101

Understanding the coverages of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Collision insurance

Collision coverage covers damage to your Mirage resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as rehabilitation expenses, surgery and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage covers 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 claims such as hitting a bird, rock chips in glass, falling objects, fire damage and hitting a deer. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mitsubishi Mirage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance

Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as structural damage, repair bills for other people’s vehicles, loss of income, legal defense fees and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Quote more. Save more.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. There are too many instances where consumers will sacrifice full coverage only to find out they didn’t purchase enough coverage. The aim is to buy enough coverage at the best price while not skimping on critical coverages.

You just learned a lot of information how to lower your 1997 Mitsubishi Mirage insurance rates. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with some of the smallest insurance companies.

Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, denial of a claim and even questionable increases in premium. It doesn’t matter why you want to switch switching insurance companies is easier than you think.

Additional insurance information can be found at these links: