Save on 2014 Mitsubishi Lancer Insurance Quotes

Trying to find better auto insurance rates for your Mitsubishi Lancer? Having to pay for overpriced Mitsubishi Lancer insurance can drain your personal savings, especially in this economy. Comparison shopping is a great way to tighten up your finances.

Popular companies such as Geico, 21st Century and Progressive increase brand awareness with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s a good habit to price shop coverage periodically because prices tend to go up over time. Even if you got the best rates on Lancer insurance a few years ago you can probably find a better price now. So just block out anything you think you know about auto insurance because you’re going to learn one of the best ways to find lower rates on auto insurance.

The fastest way that we advise to compare rate quotes is to take advantage of the fact most of the bigger providers allow for online access to give you rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information like deductibles desired, the make and model of your vehicles, if you lease or own, and if you require a SR-22. Those rating factors is instantly sent to multiple car insurance providers and you should receive rate quotes quickly.

What coverages do I need?

When it comes to choosing coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help you determine if your situation may require specific advice.

  • I have a DUI can I still get coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is high-risk coverage and where do I buy it?
  • Does my 2014 Mitsubishi Lancer need full coverage?
  • Can I drive in Mexico and have coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • How can I get my company to pay me more for my totalled car?
  • Should I rate my 2014 Mitsubishi Lancer as pleasure use or commute?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverages explained

Having a good grasp of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Collision coverages – Collision coverage pays for damage to your Lancer resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, driving through your garage door, backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a broken windshield, damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, dental work, nursing services, rehabilitation expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Auto liability insurance – Liability coverage will cover damage that occurs to other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like court costs, repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.