How Much Does 1996 Mitsubishi Mirage Car Insurance Cost?

Expensive auto insurance can empty your bank account and make it impossible to make ends meet. Comparing price quotes is a smart way to slash your bill and have more diposable income. With consumers having so many different company options, it can be challenging to choose the most affordable company.

How to Lower Your Insurance Cost

Finding a lower price on 1996 Mitsubishi Mirage insurance doesn’t have to be difficult. The only thing you need to do is spend a little time to compare rate quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

1. The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating separate quotation requests for each company you want a rate for. Completing one form will get you rate comparisons from multiple companies.
2. A more difficult way to compare prices requires a trip to each individual company website and fill out their own quote form. For example, let’s assume you want to compare Progressive, Esurance and Liberty Mutual. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, make darn sure you compare exactly the same coverage limits and deductibles for every quote you compare. If each company quotes differing limits it will be next to impossible to make an equal comparison.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might help in determining whether you might need an agent’s assistance.

• Will my insurance pay for OEM parts?
• Can I afford to buy a different vehicle if my 1996 Mitsubishi Mirage is totaled?
• What is no-fault insurance?
• Am I covered if my car is in a flood?
• Is a new car covered when I drive it off the dealer lot?
• Am I better off with higher deductibles on my 1996 Mitsubishi Mirage?
• Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you know they apply to you then you might want to talk 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 is quick, free and can provide invaluable advice.

Car insurance policy specifics

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most car insurance policies.

Collision coverage – This covers damage to your Mirage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, sustaining damage from a pot hole, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses for EMT expenses, pain medications, ambulance fees and funeral costs. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, damage from flooding and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1996 Mitsubishi Mirage.

Due to the fact that many drivers 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 should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability – Liability insurance will cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like court costs, pain and suffering, repair bills for other people’s vehicles, attorney fees and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.