2011 Mitsubishi Lancer Insurance Quotes – 6 Tips to Save

Searching for cheaper auto insurance rates for your Mitsubishi Lancer? I doubt anyone rejoices having to buy auto insurance, in particular when they are paying too much. Since you have so many auto insurance companies to choose from, it can be hard to find the most affordable insurer.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you should be able to reduce your rates substantially using these techniques. Vehicle owners just need to know the proper methods to find the lowest price online.

Cut your insurance rates with these six discounts

Insuring your fleet can be pricey, but you may qualify for discounts that many consumers don’t even know exist. Many discounts should be triggered when you purchase, but occassionally some discounts must be asked about before you will receive the discount.

• Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Lancer coverage compared to rates paid by drivers with frequent claims.
• ABS Brakes – Vehicles that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
• More Vehicles More Savings – Purchasing coverage when you have multiple cars or trucks with the same company could earn a price break for each car.
• Renewal Discounts – Some insurance companies give discounts for buying a new policy before your current expiration date. This discount can save up to 10%.
• Seat Belt Discounts – Drivers who require all occupants to buckle up can save 10% or more on the premium charged for medical payments and/or PIP.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.

A partial list of companies that may offer policyholders some of the above discounts include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Before you buy a policy, ask each insurance company which credits you are entitled to. All car insurance discounts might not apply in your area. If you would like to choose from a list of insurers with significant discounts, follow this link.

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Be skeptical of auto insurance ads

Consumers get pounded daily by advertisements that claim the cheapest prices from the likes of Geico, State Farm and Progressive. They all make the point of big savings if you change your policy.

How is it possible that every company can offer you a better deal? You have to listen carefully.

Many companies give the cheapest rates for a prospective insured that will add to their bottom line. An example of a profitable insured may be between 30 and 50, has no tickets, and drives less than 7,500 miles a year. A driver that fits those parameters will get the preferred car insurance rates and most likely will cut their rates substantially.

People who are not a match for this stringent profile will be charged a more expensive rate which results in the customer buying from someone else. If you listen closely, the ads state “customers that switch” not “all people who quote” save that much. That is how companies can make it sound like they have such great rates. This really drives home the point why it is so important to get price quotes at each policy renewal. It is impossible to predict with any certainty which company will provide you with the cheapest prices.

You are unique and your car insurance should be too

When buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. For example, these questions might help in determining if your situation will benefit from professional help.

• Is my teenager covered with friends in the car?
• Am I covered if I wreck a rental car?
• Should I put collision coverage on all my vehicles?
• I have health insurance so do I need medical payments coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is my camper covered by my car insurance policy?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is roadside assistance coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Coverage specifics

Having a good grasp of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Coverage for collisions

Collision coverage covers damage to your Lancer from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, crashing into a building, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, theft, a broken windshield, fire damage and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like EMT expenses, prosthetic devices, chiropractic care and pain medications. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance

Liability coverage will cover injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as bail bonds, structural damage, attorney fees, legal defense fees and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mitsubishi Lancer.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

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In any little way, save everyday

A few companies do not offer the ability to get a quote online small, regional companies provide coverage only through independent agencies. Cost effective 2011 Mitsubishi Lancer insurance can be sourced online as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates.

We just showed you a lot of tips how to shop for 2011 Mitsubishi Lancer insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

Additional car insurance information is located at the links below

• Auto Insurance Learning Center (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)

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