2010 Mitsubishi Lancer Car Insurance Quotes

Looking for cheaper car insurance rates for your Mitsubishi Lancer? I really doubt anyone looks forward to paying for car insurance, particularly when they could find lower prices if they just compared rates. Companies like Progressive, Geico and Farmers Insurance promote their brand names with advertising and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

Compare quotes for car insurance

Most larger insurance companies like Progressive, Geico, Allstate and State Farm allow you to get prices on the web. Doing online price comparisons doesn’t take much effort as you just enter the coverages you want as requested by the quote form. When complete, their system pulls information on your driving record and credit history and gives you a price quote. Online price estimates helps simplify price comparisons, but having to visit different websites and type in the same information is a waste of time. But it’s also necessary to perform this step if you are searching for a better rate.

Isn’t there an easier way to compare rates?

The quickest way to get multiple rate quotes uses one simple form to return rates from several different companies. It’s a real time-saver, requires less work, and makes online quotes much more efficient. As soon as you send your information, it gets priced and you can choose any of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process takes just a few minutes to complete and could lower your rates considerably.

To quickly find out if lower rates are available, click here to open in new window and enter your information. To compare your current rates, we recommend that you enter the limits and deductibles identical to your current policy. This guarantees you will have rate comparison quotes for exact coverage.

Lower rates by qualifying for discounts

Car insurance companies don’t always advertise the complete list of policy discounts in an easy-to-find place, so below is a list some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

• ABS Braking Discount – Anti-lock brake equipped vehicles are much safer to drive so you can save 10 percent or more.
• Discounts for Seat Belt Usage – Drivers who require all occupants to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Own a Home – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
• Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for Lancer insurance with a few insurance coverage companies.
• Good Student – A discount for being a good student may save you up to 25%. Most companies allow this discount up until you turn 25.
• Good Drivers – Accident-free drivers could pay up to 40% less for Lancer insurance than less cautious drivers.
• Payment Method – If you pay your entire premium ahead of time instead of paying each month you can avoid the installment charge.
• Theft Deterent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a car insurance quote.
• Paper-free Discount – A few insurance coverage companies give back up to $50 simply for signing on their website.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way. But any discount will cut the premium cost.

A list of insurance coverage companies and their offered discounts include:

• Progressive offers premium reductions for multi-policy, online signing, continuous coverage, multi-vehicle, and homeowner.
• AAA has savings for good driver, multi-policy, education and occupation, multi-car, anti-theft, and AAA membership discount.
• Farmers Insurance offers discounts for business and professional, good student, homeowner, mature driver, and teen driver.
• Geico policyholders can earn discounts including defensive driver, anti-theft, membership and employees, multi-vehicle, and multi-policy.
• Esurance may offer discounts for claim free, good driver, online shopper, anti-theft, Switch & Save, and paid-in-full.
• SAFECO has discounts for bundle discounts, homeowner, safe driver, anti-theft, teen safety rewards, and multi-car.
• State Farm may include discounts for good student, passive restraint, Drive Safe & Save, safe vehicle, multiple policy, and student away at school.

If you need lower rates, check with all the companies how you can save money. A few discounts may not apply to policyholders in your area. For a list of insurance companies that have a full spectrum of discounts, follow this link.

Insurance coverage is unique, just like you

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can aid in determining if you could use an agent’s help.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered if I break a side mirror?
• Is my 2010 Mitsubishi Lancer covered for smoke damage?
• Are my friends covered when driving my car?
• When should I drop full coverage on my 2010 Mitsubishi Lancer?
• Am I insured when driving a different vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Learn about car insurance coverages for a 2010 Mitsubishi Lancer

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, damage from flooding and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

This coverage covers damage to your Lancer from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses like nursing services, X-ray expenses, chiropractic care and pain medications. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability coverages

Liability coverage will cover damage or injury you incur to a person or their property. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as medical services, repair bills for other people’s vehicles, bail bonds, court costs and emergency aid. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.