Cheap 2012 Mitsubishi Lancer Sportback Car Insurance Rates

Want lower car insurance rates for your Mitsubishi Lancer Sportback? Did budget coverage turn out to be an underperforming, overpriced car insurance policy? You’re preaching to the choir because many drivers have buyer’s remorse. Big companies like Allstate, Progressive and Geico continually bombard you with ad campaigns and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

It’s smart to get comparison quotes before your policy renews since insurance prices go up and down regularly. If you had the best price for Lancer Sportback coverage two years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to find out the fastest way to lower your rates without sacrificing coverage.

If you have a current insurance coverage policy or are just looking to switch companies, you can use this information to find better prices while maximizing coverage. Finding affordable coverage is not rocket science. Drivers just need to understand the most efficient way to get comparison quotes over the internet.

Good decisions result in lower insurance prices

Lots of things are considered when pricing auto insurance. Some are obvious such as traffic violations, but others are not quite as obvious like your vehicle usage or how safe your car is.

Shown below are some of the things insurance companies consider when setting prices.

  • Drive less and get lower costs – The higher the miles on your Mitsubishi every year the higher your rates will be. A lot of insurance companies rate vehicles determined by how the vehicle is used. Vehicles that sit idle most of the time get more affordable rates than those that get driven frequently. It’s a smart idea to ensure your insurance policy is showing annual mileage, because improper ratings can cost you money. Having an incorrect usage rating on your Lancer Sportback can result in significantly higher rates.
  • Keep policy claims to a minimum – Auto insurance companies provide the best rates to policyholders who file claims infrequently. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is designed for claims that pose a financial burden.
  • Save by driving vehicles with better crash test results – Vehicles with high crash test scores tend to have better insurance rates. These vehicles protect occupants better and reduced instances of injuries translates directly to fewer claims and thus lower rates. If your Mitsubishi Lancer Sportback has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Do men or women drive better? – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that males are worse at driving than females. Men and women tend to get into accidents in similar percentages, but guys cause more damage and cost insurance companies more money. They also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 cause the most accidents and thus pay the highest rates.
  • Deter vehicle theft – Choosing to buy a car that has an advanced theft prevention system can help lower your premiums. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft and help bring rates down.

The most recommended method to compare rates is to know the trick car insurance companies have advanced systems to give rate comparisons. To start a quote, the only thing you need to do is take a few minutes to give details such as whether or not you need a SR-22, driver details, if you are currently licensed, and how much coverage you want. Your information is submitted instantly to multiple companies and they return quotes instantly.

To start a rate quote now, click here and enter your coverage details.

Are you getting every discount?

Car insurance companies do not advertise all possible discounts in an easy-to-find place, so the following is a list of a few of the more well known and also the lesser-known discounts that you can inquire about if you buy insurance online. If you check and find you aren’t receiving every discount you deserve, you are throwing money away.

  • Pay Early and Save – By paying your policy upfront as opposed to paying monthly you could save up to 5%.
  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance with the same company you will save at least 10 to 15 percent or more.
  • Defensive Driver – Taking time to complete a defensive driver course could save 5% or more if your company offers it.
  • Waiver for an Accident – Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before your rates go up as long as you don’t have any claims prior to being involved in the accident.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control can avoid accidents and will save you 10% or more.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.

Just know that most credits do not apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. But all discounts should help reduce the amount you pay for coverage.

Auto insurance companies that may offer most of these discounts include:

When getting free insurance quotes, it’s a good idea to each company or agent how many discounts you can get. Some discounts listed above may not be offered in your area.

When in doubt talk to an agent

When buying coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Am I covered by my spouse’s policy after a separation?
  • Can I afford low physical damage deductibles?
  • How much liability do I need to cover my assets?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Can my babysitter drive my car?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage options for a Mitsubishi Lancer Sportback

Learning about specific coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills for nursing services, X-ray expenses and doctor visits. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage – Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like funeral expenses, loss of income, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, falling objects, hitting a deer and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Save your hard earned cash

As you quote insurance, never buy poor coverage just to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

We just covered a lot of techniques to compare 2012 Mitsubishi Lancer Sportback insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the best prices are with a smaller regional carrier. They often have lower rates on specific markets as compared to the big name companies such as Progressive or Geico.

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