View 2013 Mitsubishi Lancer Insurance Rates

Finding more affordable Driversinsurance is always quite difficult for drivers who are new to comparing rates online. Drivers have so many choices that it can easily become hard work to find better rates.

You should take the time to do price comparisons as often as possible due to the fact that insurance rates change regularly. Despite the fact that you may have had the lowest rate for Lancer coverage a couple years back you will most likely find a better price today. Forget all the misinformation about insurance because you’re about to find out the proper way to reduce your cost while improving coverage.

If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. Buying the lowest cost coverage is simple if you know the tricks. Although car owners can benefit by having an understanding of how the larger insurance companies sell online and apply this information to your search.

Lower your auto insurance rates with discounts

Auto insurance companies don’t always list all their discounts very clearly, so the list below details a few of the more well known and the more hidden credits that you can use to lower your rates.

• Paper-free Discount – Certain companies give back up to $50 just for signing your application on the web.
• Savings for New Vehicles – Adding a new car to your policy can get you a discount compared to insuring an older model.
• Club Memberships – Affiliation with qualifying clubs or civic groups is a simple method to lower premiums when shopping for auto insurance.
• Accident Free – Claim-free drivers can save substantially when compared with policyholders that have many claims.
• Student Driver Training – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.

Keep in mind that most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, it just doesn’t work that way.

Some of the larger companies that have most of these discounts possibly include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

When comparing rates, check with every company to give you their best rates. A few discounts might not be offered on policies in your state. To view providers with significant discounts, click here.

The best way we recommend to compare rates takes advantage of the fact most of the larger companies pay for the opportunity to provide you with a free rate quote. To begin a comparison, all you need to do is provide information such as how much you drive, the make and model of your vehicles, an estimate of your credit level, and your education level. That rating data is then sent to all major companies and you should receive rate quotes immediately.

If you would like to start a quote now, click here then complete the form.

You are unique and your car insurance should be too

When it comes to buying the best car insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help highlight if your situation might need an agent’s assistance.

• What is the ISO rating for a 2013 Mitsubishi Lancer?
• Will I lose any money if I cancel my policy before it expires?
• What exactly is covered by my policy?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I need special endorsements for business use of my vehicle?
• Is my custom paint covered by insurance?
• Am I covered when driving a rental car?
• Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, hitting a bird and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability – Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as loss of income, structural damage, medical services and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for immediate expenses like dental work, rehabilitation expenses and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your Lancer resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

UM/UIM Coverage – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Mitsubishi Lancer.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

A little work can save a LOT of money

Drivers switch companies for any number of reasons including delays in responding to claim requests, not issuing a premium refund, policy non-renewal or high prices. It doesn’t matter why you want to switch switching companies is not as hard as you think.

Lower-priced car insurance can be sourced on the web in addition to many insurance agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and many times these smaller providers only sell through independent insurance agents.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the best price, but do not skimp to save money.

More information can be found at the links below

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)