Save on 2014 Mitsubishi i-MiEV Insurance Rates in 2024

When trying to find cheaper insurance, are you overwhelmed by the sheer number of auto insurance sources available to you? Lot’s of other drivers are too. vehicle owners have so many sources to choose from that it can quickly become a real hassle to find the lowest price.

It’s important to price shop coverage as often as possible because auto insurance prices change regularly. Just because you had the best deal on i-MiEV coverage on your last policy a different company probably has better premium rates today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the right way to get good coverage at a lower rate.

Finding the best rates is not that difficult. Just about anyone who has to buy insurance coverage most likely will be able to cut their insurance bill. But consumers can benefit by having an understanding of how companies price insurance differently.

Five tips to get cheaper insurance prices

Part of the insurance coverage buying process is learning a few of the rating criteria that aid in calculating your policy premiums. If you know what determines premiums, this enables informed choices that may result in big savings. Many different elements are used in the calculation when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other criteria are less apparent like your vehicle usage or how safe your car is.

Shown below are a few of the things used by insurance companies to determine your rates.

• Premiums increase with driving tickets – Having a clean driving record has a big impact on rates. Getting just one speeding ticket or other violation could increase your next policy renewal by as much as twenty percent. Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Drivers unfortunate enough to have severe tickets like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state DMV in order to prevent a license revocation.
• Good credit means lower premiums – A driver’s credit score can be a huge factor in determining what you pay. So if your credit rating could use some work, you could potentially save money when insuring your 2014 Mitsubishi i-MiEV if you clean up your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit ratings.
• Prevent theft and lower insurance coverage rates – Choosing to buy a car with a theft deterrent system can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder vehicle theft.
• The more you drive the more you pay – The more miles you rack up on your Mitsubishi in a year’s time the higher your rate. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks that do not get driven very much qualify for better rates than vehicles that are driven to work every day. Having an incorrect usage rating on your i-MiEV may be wasting your money. Double check that your policy shows how each vehicle is driven, because it can save money.
• Amount of liability protection – Liability insurance will provide protection in the event that you are ruled to be at fault for causing damage or personal injury in an accident. It provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage when compared to the cost of physical damage coverage, so buy as much as you can afford.

Shop auto insurance online

Effectively comparing auto insurance prices can take hours if you don’t utilize the easiest way. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could use the internet to get the quickest rates.

Many of the larger companies participate in a marketplace that enables customers to send in one quote, and every company provides a quote based on that data. This eliminates the need for form submissions for each company.

To participate in this free quote system, enter your zip code here.

The only drawback to comparing rates this way is you can’t choose which carriers you want pricing from. If you would rather choose from a list of companies to compare prices, we put together a list of the cheapest auto insurance companies in your area. Click to enter zip code for insurance companies.

Take whichever approach you prefer, but ensure you’re using equivalent coverage limits and deductibles for every quote you compare. If you use mixed coverages it will be very difficult to determine the best price for your Mitsubishi i-MiEV. Just a small difference in coverages may cause a big price difference. And when comparing auto insurance rates, know that making a lot of price comparisons increases the change that you will find a lower rate. Some insurance companies are not set up to provide online price quotes, so it’s important to compare quotes on coverage from those companies, too.

Cheaper auto insurance rates with discounts

Some providers don’t list all possible discounts in an easy-to-find place, so the list below gives a summary of both well-publicized and the more hidden discounts you could be receiving when you buy insurance coverage online.

• Service Members Pay Less – Having an actively deployed family member could mean lower prices.
• Homeowners Savings – Owning a home can save you money because owning a home means you have a higher level of financial diligence.
• Paper-free Discount – Many companies give back up to $50 just for signing your application on the internet.
• Low Mileage Discounts – Low annual miles can earn lower prices on the low mileage vehicles.
• Multi-car Discount – Purchasing coverage when you have several vehicles on a single policy may reduce the rate for each vehicle.
• Safe Driver Discount – Accident-free drivers may receive a discount up to 45% on i-MiEV coverage than drivers with accidents.
• Bundled Policy Discount – If you can bundle your auto and homeowners insurance with one insurance company you could save over 10 percent off each policy depending on the company.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.
• Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Good Students Pay Less – A discount for being a good student may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you up to age 25.

Drivers should understand that most credits do not apply to the whole policy. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, that’s just not realistic.

Popular auto insurance companies and a summarized list of policyholder discounts are outlined below.

• GEICO offers discounts including membership and employees, multi-vehicle, air bags, good student, military active duty, emergency military deployment, and driver training.
• MetLife includes discounts for accident-free, good driver, defensive driver, claim-free, and good student.
• State Farm has savings for student away at school, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, multiple autos, accident-free, and driver’s education.
• Progressive offers discounts for multi-vehicle, multi-policy, continuous coverage, good student, online quote discount, and homeowner.
• Mercury Insurance may have discounts that include age of vehicle, good driver, good student, ease of repair, multi-car, multi-policy, and professional/association.
• 21st Century has discounts for early bird, defensive driver, theft prevention, 55 and older, anti-lock brakes, and teen driver.
• Allstate discounts include defensive driver, safe driver, multi-policy, eSmart discount, auto/life discount, early signing, and senior citizen.

If you are trying to find affordable insurance coverage quotes, ask each insurance company to apply every possible discount. Some credits may not be offered in your area. If you would like to choose from a list of insurance companies with the best auto insurance discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether you could use an agent’s help.

• Is my state a no-fault state?
• Is a fancy paint job covered?
• What is covered by UM/UIM coverage?
• Is rental equipment covered for theft or damage?
• Am I covered when pulling a rental trailer?
• Does my 2014 Mitsubishi i-MiEV need full coverage?
• Am I covered when driving in Canada or Mexico?
• Is my teen driver covered when they drive my company car?
• What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete your zip code.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Liability auto insurance

This will cover damage that occurs to people or other property. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like court costs, medical services, legal defense fees, loss of income and pain and suffering. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Collision coverage protection

This pays for damage to your i-MiEV caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Mitsubishi i-MiEV.

Since many drivers 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.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills like rehabilitation expenses, surgery, funeral costs, EMT expenses and nursing services. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for claims like theft, hail damage, fire damage, damage from a tornado or hurricane and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

More quotes. Lower rates.

The cheapest 2014 Mitsubishi i-MiEV insurance is attainable from both online companies as well as from independent agents, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some insurance companies may not offer rate quotes online and most of the time these smaller companies sell through independent insurance agents.

Insureds change insurance companies for a number of reasons such as lack of trust in their agent, unfair underwriting practices, an unsatisfactory settlement offer and even high rates after DUI convictions. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

You just learned a lot of tips how to shop for 2014 Mitsubishi i-MiEV insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.