How to Insure a Mitsubishi Mini Van-Wagon like a Tightwad
If shopping for auto insurance was more enjoyable, it would get done more often. But most likely we pay more than we want to and don't really enjoy the buying process. Insuring your Mitsubishi Mini Van-Wagon is probably no exception.
Step One: Compare Rates
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Life has gotten easier!
Comparing apples-to-apples price quotes for your Mitsubishi Mini Van-Wagon is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Important Tip! In order to accurately compare rates for your Mini Van-Wagon, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Lower your Mini Van-Wagon Insurance Premium
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Mini Van-Wagon insurance rates.
- Particular years and models of cars tend to be frequently stolen, and if your Mini Van-Wagon is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- Equipping your Mitsubishi with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
Step Three: Choose a Company and Bind Coverage
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Mini Van-Wagon that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
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. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new Mini Van-Wagon.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
The Insurance Information Institute has a great resource of car insurance articles where you can learn more about coverages and money saving tips. Visit iii.org.
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