Mitsubishi Mighty Max Pickup Insurance for Tightwads
If buying car insurance was fun, we'd do it as a recreational sport. But the reality is, you probably don't enjoy it and you think it costs too much. Finding good insurance for your Mitsubishi Mighty Max Pickup probably leaves you feeling the same way.
Step One: Insurance Quotes
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Life has gotten easier!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Mitsubishi Mighty Max Pickup without even visiting their websites!
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Mighty Max Pickup.
Step Two: Insider Tips for Finding Cheaper Mighty Max Pickup Insurance
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Mighty Max Pickup insurance rates.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- If you're a young driver, you will pay more to insure a Mighty Max Pickup. There isn't anything you can do about your age, but rates will drop as you mature.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Particular years and models of cars tend to be frequently stolen, and if your Mighty Max Pickup is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
Step Three: Buy the Best Policy
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your Mighty Max Pickup with.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.