Compare 2014 Mitsubishi Lancer Insurance Quotes

Are you at wits end from scraping the payment together to keep your car insured? You are no different than many other drivers. Online insurance companies like Progressive, State Farm and GEICO continually bombard you with advertising and it is difficult to sift through the bull and take the time to shop coverage around.

Consumers should take time to compare rates once or twice a year due to the fact that insurance rates are variable and change quite frequently. If you had the best premium rates for Lancer insurance on your last policy you may be paying too much now. Block out anything you think you know about auto insurance because I’m going to teach you one of the quickest ways to properly buy coverages and cut your premium.

How to get cheap car insurance

Finding a lower price on 2014 Mitsubishi Lancer insurance is actually quite simple. All that’s required is to take the time getting comparison quotes from online providers. This can be accomplished by using one of the methods below.

  1. If you don’t have a lot of time, the easiest way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing a different quote for each company you want a rate for. Filling out one form gets rate comparisons instantly.
  2. A different way to find better pricing consists of visiting the website for every company you want to comare and repeat the quote process. For examples sake, let’s assume you want to see prices from Farmers, Safeco and State Farm. In order to compare rates, you need to navigate to each company’s site and enter your policy data, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.
  3. Even if you have time, the least recommended method to compare price estimates is calling or driving to insurance agents’ offices. Doing it all online makes this process obsolete unless you have a need for the professional guidance that only a licensed agent can provide. It is possible to price shop your coverage online but have a local agent actually write the policy.

Whichever method you choose, be certain you are entering identical quote information on every quote. If the quotes have different data you can’t possibly get a fair rate comparison.

Insurance coverage discounts are available to slash your rates

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but once in a while a discount must be asked about before you will receive the discount.

  • Save over 55 – Older drivers may receive better insurance coverage rates for Lancer insurance.
  • Discounts for Cautious Drivers – Accident-free drivers may receive a discount up to 45% for Lancer insurance than drivers with accident claims.
  • Data Collection Discounts – Insureds who allow their insurance coverage company to scrutinize their driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if their driving habits are good.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.
  • Early Switch Discount – Some companies give discounts for renewing your policy before your current expiration date. This can save 10% or more.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
  • Claim Free – Drivers who don’t have accidents get the best insurance coverage rates as compared to bad drivers.
  • Multi-car Discount – Having multiple cars or trucks with one company could earn a price break for each car.
  • Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

A partial list of companies that have some of the above discounts include:

Before buying, ask each company which discounts you may be entitled to. Savings might not apply in your area.

What determines Mitsubishi Lancer insurance premiums?

It’s important that you understand some of the factors that play a part in calculating the price you pay for auto insurance. If you know what impacts premium levels, this enables you to make decisions that can help you get lower auto insurance prices. Many different elements are considered when pricing auto insurance. Some of the criteria are obvious such as traffic violations, although others are not as apparent such as whether you are married or how safe your car is.

The list below includes some of the most common factors used by companies to determine your prices.

  • Lower rates with alarm systems – Buying a car with an alarm system can save you some money. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent vehicle theft.
  • Cheaper to insure women? – The statistics show that men are more aggressive behind the wheel. However, this does not mean females are better drivers. Women and men cause at-fault accidents in similar numbers, but the men tend to have higher claims. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage and therefore have the most expensive auto insurance rates.
  • Pay lower costs after the wedding – Having a wife or husband may earn you lower rates compared to being single. Having a spouse translates into being more mature and responsible and it’s proven that drivers who are married are more cautious.
  • Don’t get traffic citations – How you drive has a big impact on rates. Just one speeding ticket can increase the cost of insurance substantially. Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Drivers who get dangerous citations like DUI or reckless driving might be required by their state to maintain a SR-22 with their state’s licensing department in order to drive a vehicle legally.
  • Incidental coverages that aren’t used – There are many additional extra coverages that you can get tricked into buying if you aren’t careful. Add-on coverages like replacement cost coverage, towing, and extra equipment coverage are examples of these. They may seem like a good idea when discussing your needs, but if you’ve never needed them in the past eliminate them to save money.

Everyone needs different insurance coverages

When buying the right insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that could help you determine if you may require specific advice.

  • Should I put collision coverage on all my vehicles?
  • Why do I only qualify for high-risk insurance?
  • Can my teen drive my company car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered by my spouse’s policy after a separation?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I benefit by insuring my home with the same company?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage basics

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.

Collision coverage protection

This coverage covers damage to your Lancer resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, sideswiping another vehicle, rolling your car, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Auto liability insurance

This coverage protects you from damage that occurs to people or other property by causing an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as emergency aid, repair costs for stationary objects, bail bonds, medical services and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mitsubishi Lancer.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, rock chips in glass and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses for nursing services, prosthetic devices, doctor visits and funeral costs. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Save your cold hard cash

Affordable 2014 Mitsubishi Lancer insurance can be bought from both online companies in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide online price quotes and many times these regional carriers provide coverage only through independent insurance agencies.

We’ve covered a lot of information how to get a better price on 2014 Mitsubishi Lancer insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding low cost insurance coverage. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

More tips and info about car insurance is available at these sites: