Compare 2004 Mitsubishi Lancer Car Insurance Rates

Drivers have options when trying to find the lowest priced Mitsubishi Lancer insurance. You can either waste hours driving around to compare prices or leverage the internet to make rate comparisons.

There is a better way to find insurance online and you need to know the absolute fastest way to price shop coverage for a new or used Mitsubishi and get the cheapest rates from local insurance agents and online providers.

It’s a good habit to check insurance prices at least once a year because rates are usually higher with each renewal. If you had the best rates for Lancer coverage last year the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because we’re going to demonstrate the proper way to find the best coverage while lowering your premiums.

Low Cost Car Insurance

Most companies like Progressive, Allstate and Geico provide coverage prices online. Getting quotes is fairly straightforward as you simply enter the coverage amounts you desire as detailed in the form. Upon sending the form, their system will order credit information and your driving record and returns pricing information based on many factors.

This helps simplify price comparisons, but the time required to go to a lot of sites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes if you are searching for the lowest possible prices on car insurance.

The preferred way to locate the lowest prices uses one form to get prices from several companies at one time. This type of form saves time, requires less work, and makes rate comparisons much more enjoyable. After your information is entered, it is rated with multiple companies and you can pick any of the resulting price quotes.

If the quotes result in lower rates, you can click and sign and buy the policy. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

In order to use this form to compare rates, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate coverages and limits as shown on your current policy. This helps ensure you will be getting a price comparison based on identical coverages.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but some may not be applied and must be specially asked for before being credited. If you aren’t receiving every discount you deserve, you are paying more than you should be.

Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
Student in College – Children who live away from home and do not have a car may be able to be covered for less.
Organization Discounts – Belonging to a qualifying organization could qualify you for a break on auto insurance for Lancer coverage.
Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Low Mileage – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
Save over 55 – Older drivers may receive better auto insurance rates for Lancer coverage.
Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
No Claims – Claim-free drivers can earn big discounts compared to drivers who are more careless.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will reduce your premiums.

A partial list of companies who might offer some of the above discounts include:

Double check with each company how you can save money. All car insurance discounts might not apply in your state.

Insurance agents can help

When choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions might point out if you will benefit from professional help.

Do I benefit by insuring my home with the same company?
Does my insurance cover a custom paint job?
Is my ex-spouse still covered by my policy?
Is a new car covered when I drive it off the dealer lot?
Should I get collision insurance on every vehicle?
At what point should I drop full coverage?
How can I find cheaper teen driver insurance?
Is my business laptop covered if it gets stolen from my vehicle?
Does coverage extend to my business vehicle?
Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Educate yourself about car insurance coverages

Learning about specific coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as funeral expenses, medical services, pain and suffering and repair costs for stationary objects. How much coverage you buy is your choice, but buy as large an amount as possible.

Collision coverage

This will pay to fix damage to your Lancer resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, crashing into a building, crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, hitting a deer, a tree branch falling on your vehicle and fire damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills like funeral costs, dental work, surgery and chiropractic care. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay