2010 Mitsubishi Lancer Insurance Quotes – 10 Tips for Best Rates

Comparing insurance rates online may seem to be difficult if you have never used online price comparisons. But don’t be discouraged because there is an easy way to compare rates.

It’s a good habit to shop coverage around once or twice a year because prices tend to go up over time. Just because you found the lowest price on Lancer insurance on your last policy you can probably find a better price now. So forget all the misinformation about insurance because we’re going to show you the things you must know in order to find better rates and still maintain coverage.

Fast and Easy Insurance Coverage Quotes

There are a variety of methods to shop for 2010 Mitsubishi Lancer insurance coverage, but there is one way that is less labor-intensive and much quicker. You can waste hours discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.

Many companies are enrolled in a marketplace that allows shoppers to complete one form, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing quote forms to each individual insurance coverage company. To compare 2010 Mitsubishi Lancer rates using this form now click to open in new window.

The one downside to pricing coverage this way is that you can’t choose which insurance companies you will receive quotes from. If you prefer to choose from a list of companies to compare, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverage limits and deductibles for each price quote. If you enter higher or lower deductibles you can’t possibly truly determine the lowest rate. Slightly different coverages can result in a big premium difference. And when comparison shopping, getting more free quotes provides better odds of finding the best rates.

How much can you save with these ten discounts?

Car insurance is not cheap, but companies offer discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but less common discounts must be asked about before you get the savings.

  • Good Student – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application online.
  • Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Senior Discount – Older drivers may receive a small decrease in premiums on Lancer insurance.
  • Payment Method – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Student in College – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will reduce your overall premium however.

Companies that may have these benefits may include but are not limited to:

Check with every prospective company which discounts you may be entitled to. Some discounts may not be available in every state.

How much car insurance do I need?

When choosing coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether or not you may require specific advice.

  • How high should deductibles be on a 2010 Mitsubishi Lancer?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered if I wreck a rental car?
  • Should I buy only the required minimum liability coverage?
  • What are the best liability limits?
  • Am I better off with higher deductibles on my 2010 Mitsubishi Lancer?
  • Are rental cars covered under my policy?
  • Am I covered when driving in Canada or Mexico?
  • Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

Misconceptions in insurance coverage advertisements

GEICO, State Farm and Progressive consistently run ads on television and other media. All the companies make the same claim about savings if you change to their company. How does each company say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver they prefer to insure. For example, a profitable customer might be profiled as a mature driver, has no prior claims, and has a short commute. Any new insured who matches those parameters gets the lowest rates and as a result will probably save when they switch companies.

Consumers who don’t qualify for this ideal profile must pay higher prices and ends up with business going elsewhere. Company advertisements say “customers who switch” not “people who quote” save that kind of money. That is how insurance companies can confidently make those claims.

This illustrates why you need to get as many quotes as possible. It’s impossible to know the company that will have the lowest Mitsubishi Lancer insurance rates.

Insurance coverage basics

Having a good grasp of insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like pain medications, surgery, chiropractic care, hospital visits and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability auto insurance

This will cover injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have 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. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair bills for other people’s vehicles, emergency aid, attorney fees and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage protection

Collision coverage covers damage to your Lancer from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Mitsubishi Lancer.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, a tree branch falling on your vehicle, theft, damage from getting keyed and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

A fool and his money are soon parted

You just learned many tips how you can save on 2010 Mitsubishi Lancer insurance. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the most savings is with the least-expected company.

As you prepare to switch companies, never buy less coverage just to save a little money. Too many times, an insured dropped collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at an affordable rate.

Insureds change insurance companies for many reasons like being labeled a high risk driver, delays in paying claims, not issuing a premium refund or even denial of a claim. It doesn’t matter what your reason, finding a new company is less work than it seems.

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