Compare 2013 Mitsubishi Lancer Insurance Quotes

Consumers have a choice when looking for the lowest priced Mitsubishi Lancer insurance. They can either waste time driving around to get rate comparisons or use the internet to get rate quotes.

There are both good and bad ways to find auto insurance online so you’re going to learn the absolute fastest way to quote coverages for a Mitsubishi and find the best price possible either online or from local insurance agents.

If you have a policy now or are looking for a new policy, you can learn to cut your premiums and possibly find even better coverage. This article will help educate you on how car insurance quotes work and some tips to save money. Drivers only need to know the most efficient way to buy auto insurance online.

Save money by taking advantage of these discounts

Car insurance is not cheap, but you can get discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but less common discounts must be specially asked for prior to receiving the credit. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Drive Less and Save – Low mileage vehicles can earn a substantially lower rate.
  • Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Early Signing – Select companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
  • Multiple Cars – Having all your vehicles on the same car insurance policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will cut your premiums.

To see a list of providers who offer car insurance discounts, click here to view.

When should I use an insurance agent?

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can aid in determining whether or not you will benefit from professional help.

  • Is extra glass coverage worth it?
  • Who is covered by my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can my teen drive my company car?
  • Who is covered when they drive my 2013 Mitsubishi Lancer?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Are insurance coverage companies telling the truth?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, Geico, Allstate and State Farm. They all seem to say the same thing of big savings if you move to them.

How do they all claim to save you money? It’s all in the numbers.

Different companies have a preferred profile for the type of customer they prefer to insure. A good example of a desirable insured could be between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. Any driver who matches those parameters receives the best rates and most likely will cut their rates substantially.

Consumers who don’t measure up to this ideal profile must pay higher prices and ends up with the customer not buying. The ads state “customers that switch” not “everyone that quotes” save that much. That is how companies can make the claims of big savings.

This illustrates why you absolutely need to compare many company’s rates. Because you never know which insurance companies will give you the biggest savings on Mitsubishi Lancer insurance.

Auto insurance coverage basics

Having a good grasp of auto insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, rock chips in glass, a tree branch falling on your vehicle and hail damage. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

This coverage protects you from damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, court costs, emergency aid and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision insurance covers damage to your Lancer caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, colliding with a tree, rolling your car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses for things like rehabilitation expenses, X-ray expenses, dental work and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mitsubishi Lancer.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Take this to the bank

Lower-priced 2013 Mitsubishi Lancer insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We covered many tips how you can get a better price on insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the best prices are with the smaller companies.

Consumers change insurance companies for a variety of reasons including high prices, extreme rates for teen drivers, unfair underwriting practices and delays in paying claims. No matter why you want to switch, switching car insurance companies is less work than it seems.

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