2014 Mitsubishi i-MiEV Insurance Quotes

Comparison shopping for cheap auto insurance may be kind of frustrating for beginners to online price comparisons. Drivers have so many options available that it can easily become a lot of work to find cheaper prices.

How much is insurance?

When shopping for affordable insurance coverage quotes, there are a couple of ways to compare rate quotes from lots of insurance companies. By far the easiest way to compare Mitsubishi i-MiEV insurance prices is to perform an online rate comparison. It’s really quite simple and can be done in a couple of different ways.

1. The easiest and least time consuming way to get quotes for comparison is a comparison rater form click here to open form in new window. This type of form eliminates the need for multiple quote forms for each company. One quote request will get you price quotes instantly. Just one form and you’re done.
2. A more difficult way to compare rate quotes requires visiting the website of each company and request a quote. For instance, let’s assume you want comparison quotes from Auto-Owners, Safeco and Farmers. You would be required to visit each site and repeatedly enter your information, which can get old fast. For a list of companies in your area, click here.

Whichever method you choose, make darn sure you compare the same quote information with every price quote. If each company quotes higher or lower deductibles you will not be able to make an equal comparison. Slightly different insurance coverages or limits can make a big difference in price. Just remember that comparing a wide range of rates increases the change that you will find the best price. Some companies don’t provide online quotes, so it’s important to compare rates from those companies as well.

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Save $421 a year. For real?

Companies like Allstate, Geico and Progressive seem to constantly run ads in print and on television. They all seem to advertise claims of big savings if you just switch your policy. How does every company charge lower premium rates? It’s all in the words they use.

Companies are able to cherry pick for the type of driver that will add to their bottom line. A good example of a driver they prefer might be between 30 and 50, carries high limits, and drives less than 5,000 miles a year. A driver who fits that profile will probably get cheap premium rates and will probably save if they switch.

Potential insureds who fall short of those standards will get more expensive rates which leads to the customer buying from a different company. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save money. That’s why insurance companies can confidently advertise the savings.

This really drives home the point why you absolutely need to compare rate quotes every year. Because without a comparison, you cannot know the company that will fit your personal profile best.

Insurance premiums are influenced by these factors

When buying auto insurance it’s important to understand the different types of things that go into determining your policy premiums. When you understand what impacts premium levels, this enables informed choices that can help you get much lower annual insurance costs. Many factors are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, although some other factors are less obvious like where you live or your vehicle rating.

• Discounts for multiple policies – Most larger companies apply a discount for people who carry more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to check prices from other companies to make sure you are getting the best deal.
• Get cheaper premiums after the wedding – Having a significant other may earn you lower rates on auto insurance. Marriage translates into being more mature and responsible and insurance companies like that married drivers tend to have fewer serious accidents.
• Is you employer costing you more? – Occupations such as judgesair traffic controllers and miners are shown to have the highest rates because of intense work requirements and long work days. Conversely, occupations like scientists, students and homemakers generally pay rates lower than average on i-MiEV insurance.
• Policy add-ons could be costing you – There are a ton of extra bells and whistles that sound like a good idea at the time on your auto insurance policy. Things like personal injury protection, accident forgiveness, and term life insurance are probably not needed. They may seem good when buying your policy, but if you don’t need them eliminate them to save money.
• Good drivers pay less – Being a careful driver impacts premiums far more than you think. Getting just one citation can increase rates by as much as twenty percent. Good drivers have lower premiums than people who have multiple driving citations. Drivers with severe violations such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 form with the DMV in their state in order to continue driving.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always advertise every discount they offer very well, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

• Anti-theft Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for a slight reduction on a insurance coverage quote on i-MiEV insurance.
• Drivers Ed for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Fewer Miles Equal More Savings – Low annual miles can qualify you for substantially lower rates.
• Multiple Vehicles – Insuring more than one vehicle on a single policy can get a discount for every vehicle.
• Service Members Pay Less – Having an actively deployed family member may lower your rates slightly.
• Auto/Life Discount – Larger car insurance companies have better prices if you take out auto and life insurance together.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
• Claim Free – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
• Memberships – Participating in a civic or occupational organization could earn you a nice discount on your policy.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way.

The best car insurance companies and some of their more popular discounts can be read below.

• State Farm has savings for multiple policy, driver’s education, student away at school, Drive Safe & Save, anti-theft, and good driver.
• Nationwide discounts include good student, accident-free, Farm Bureau membership, anti-theft, family plan, easy pay, and business or organization.
• Geico offers discounts for defensive driver, driver training, anti-theft, multi-policy, military active duty, emergency military deployment, and anti-lock brakes.
• AAA has discounts for multi-car, AAA membership discount, multi-policy, good student, and education and occupation.
• 21st Century includes discounts for 55 and older, homeowners, student driver, theft prevention, teen driver, defensive driver, and early bird.
• The Hartford may have discounts that include vehicle fuel type, anti-theft, driver training, good student, and air bag.

If you need lower rates, check with each insurance company which credits you are entitled to. Some of the earlier mentioned discounts may not be available in every state.

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Auto insurance is unique, just like you

When buying coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

• What if I total my 2014 Mitsubishi i-MiEV and owe more than it’s worth?
• Why do I only qualify for high-risk insurance?
• Do I have coverage for damage caused while driving under the influence?
• If my 2014 Mitsubishi i-MiEV is totaled, can I afford another vehicle?
• What if I don’t agree with a claim settlement offer?
• Should I buy more coverage than the required minimum liability coverage?
• What is the minimum liability in my state?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Specifics of your auto insurance policy

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision – This will pay to fix damage to your i-MiEV 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 things such as colliding with a tree, rolling your car and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – Comprehensive insurance 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 a tree branch falling on your vehicle, fire damage, rock chips in glass and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of 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 is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for immediate expenses such as pain medications, dental work, funeral costs, chiropractic care and EMT expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance – This protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for 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. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, structural damage, medical services, repair costs for stationary objects and court costs. How much coverage you buy is up to you, but buy as large an amount as possible.

And the best car insurance company is…

In this article, we covered many tips how you can compare 2014 Mitsubishi i-MiEV insurance premium rates online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the lowest priced car insurance comes from some of the smallest insurance companies.

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at the best possible price.

Drivers who switch companies do it for a number of reasons such as being labeled a high risk driver, high prices, questionable increases in premium or even an unsatisfactory settlement offer. Whatever your reason, finding the right car insurance provider is not as hard as you think.

Additional detailed information can be read in these articles:

• Medical Payments Coverage (Liberty Mutual)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Think You’re a Safe Driver? (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)

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