2018 Mitsubishi Mirage Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 12, 2024

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Saving money on insurance can seem to be hard for people not familiar with comparing prices online. You have so many companies to choose from that it can turn into a difficult situation to find more affordable insurance rates.

The method we recommend to compare car insurance rates takes advantage of the fact almost all companies allow for online access to give you rate quotes. The only thing you need to do is give them some information such as your job, how much school you completed, which vehicles you own, and how much you drive. That rating data is then submitted to insurance carriers in your area and they respond with quotes instantly.

To find the cheapest car insurance rates, click here and find out if you can get cheaper insurance.

Find discounts to get cheap insurance coverage quotes

Some providers do not list all possible discounts in an easy-to-find place, so here is a list a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy car insurance online. If they aren’t giving you every credit possible, you could be getting lower rates.

  • Service Members Pay Less – Being deployed in the military may lower your insurance coverage rates slightly.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
  • Federal Government Employee – Employees or retirees of the government could qualify for a slight premium decrease for Mirage insurance with some insurance coverage companies.
  • Professional Organizations – Having an affiliation with certain professional organizations is a good way to get lower rates on your bill.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may earn at least 10 to 15 percent or more.
  • Telematics Data – Insureds who allow companies to monitor driving habits by using a telematics device like Allstate’s Drivewise could possibly reduce rates if they show good driving skills.
  • Distant College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but some companies like State Farm and Allstate will forgive one accident before your rates go up as long as you don’t have any claims before the accident.

Remember that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, you aren’t that lucky. But all discounts will positively reduce the cost of coverage.

Companies and a summarized list of policyholder discounts are detailed below.

  • 21st Century offers discounts for automatic seat belts, good student, teen driver, 55 and older, and defensive driver.
  • State Farm may have discounts that include Drive Safe & Save, multiple policy, anti-theft, accident-free, and good driver.
  • AAA discounts include good student, anti-theft, education and occupation, pay-in-full, AAA membership discount, multi-car, and good driver.
  • Liberty Mutual offers premium reductions for teen driver discount, preferred payment discount, multi-car, good student, and new graduate.
  • Progressive has discounts for multi-policy, online quote discount, online signing, homeowner, continuous coverage, and multi-vehicle.

Before purchasing a policy, check with all companies you are considering which discounts you may be entitled to. A few discounts might not be offered in your area. To view companies who offer online insurance coverage quotes, enter your zip code here.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions may help you determine if you might need an agent’s assistance.

  • Why am I required to get a high-risk car insurance policy?
  • Is my babysitter covered when using my vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I getting all the discounts available?
  • Do I have newly-acquired coverage?
  • Are split liability limits better than a combined single limit?
  • How do I buy GAP insurance?
  • How much liability do I need to cover my assets?
  • Am I covered if I hit a deer?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and enter your zip code.

Insurance costs are influenced by these factors

Consumers need to have an understanding of the factors that play a part in calculating car insurance rates. When you know what positively or negatively determines base rates, this allows you to make educated decisions that may reward you with much lower annual insurance costs. Multiple criteria are part of the calculation when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but other criteria are more obscure such as your marital status or how safe your car is.

  • Low credit rating equals high costs – Having a bad credit score can be a huge factor in determining what you pay for car insurance. Consumers who have very high credit ratings tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit score can use some improvement, you could potentially save money when insuring your 2018 Mitsubishi Mirage if you clean up your credit.
  • Tickets can be expensive – Having a clean driving record has a huge affect on how much you pay. Only having one citation can increase the cost of insurance by twenty percent. Good drivers tend to pay less for car insurance than bad drivers. Drivers who get severe citations like DUI or reckless driving might be required by their state to complete a SR-22 with their state DMV in order to legally drive.
  • Amount of liability insurance – Your car insurance policy’s liability coverage is the protection if ever a court rules you are at fault for damages caused by your negligence. It will provide legal defense to defend your case. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Your car’s features help determine car insurance rates – Owning a car that has an advanced theft prevention system can save you a little every year. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft.
  • Annual miles is a factor – The more you drive your Mitsubishi in a year’s time the more you will pay for car insurance. Most insurance companies apply a rate based upon how the vehicle is primarily used. Vehicles not used for work or commuting qualify for better rates than cars that get driven a lot. Make sure your car insurance declarations sheet is rated on the correct usage. An incorrectly rated Mirage may be costing you higher rates.
  • Lower rates for vehicles with better crash test results – Cars with high safety ratings cost less to insure. Vehicles built for safety protect occupants better and fewer serious injuries means lower claim amounts which can mean better rates for you. If your Mitsubishi earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Specific coverages for a Mitsubishi Mirage

Having a good grasp of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Auto liability

This provides protection from injuries or damage you cause to other people or property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like emergency aid, structural damage, attorney fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage pay for expenses for things like EMT expenses, surgery, rehabilitation expenses and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, damage from getting keyed and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 2018 Mitsubishi Mirage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are set the same as your liability limits.

Collision protection

This will pay to fix damage to your Mirage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

More quotes mean more savings

Cheaper 2018 Mitsubishi Mirage insurance can be sourced on the web and from local insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and these regional carriers only sell through local independent agents.

People switch companies for a variety of reasons including poor customer service, delays in paying claims, delays in responding to claim requests and even unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

When you buy car insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, an insured dropped liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. The goal is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

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