2011 Mitsubishi Lancer Insurance Rates

Looking for lower insurance coverage rates for your Mitsubishi Lancer? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us, many consumers feel financially strained by their insurance coverage policy.

You have so many insurers to buy insurance from, and even though it’s nice to have a selection, lots of choices makes it harder to compare rates and find the lowest cost insurance coverage.

It’s smart to check insurance coverage prices occasionally because insurance rates go up and down regularly. Just because you found the best price for Lancer coverage two years ago a different company probably has better rates today. So forget all the misinformation about insurance coverage because we’re going to show you the quickest way to properly buy coverages and cut your premium.

Insurance Coverage Quote Comparison

Comparing insurance coverage rates can take hours if you don’t know the most efficient way to do it. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to achieve your goal.

Most car insurance companies participate in a marketplace that enables customers to enter their policy data once, and every company then returns a price quote based on the submitted data. This system prevents you from having to do form submissions to every company.

To compare 2011 Mitsubishi Lancer rates using this form now click here to open in new window.

The only downside to doing it this way is you are unable to specify the companies to get quotes from. If you would rather choose from a list of companies to compare, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but compare the exact same deductibles and coverage limits with every price quote. If each company quotes different liability limits it’s impossible to decipher which rate is best. Having just a slight variation in coverages could mean much higher rates. Just remember that getting more free quotes helps you find a better price.

Get lower rates on 2011 Mitsubishi Lancer insurance

Companies offering auto insurance don’t always advertise all available discounts very clearly, so the following is a list of both the well known and also the lesser-known discounts you could be receiving.

  • No Claims – Good drivers with no accidents can save substantially when compared to drivers who are more careless.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • College Student – Kids in college who are attending college and do not have a car may qualify for this discount.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiration. It’s a savings of about 10%.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Car insurance companies who might offer some of the above discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Savings might not be offered in your state.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions may help you determine if your situation may require specific advice.

  • How can I find cheaper teen driver insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is pleasure use cheaper than using my 2011 Mitsubishi Lancer to commute?
  • What exactly is covered by my policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Is extra glass coverage worth it?
  • Can I afford to pay high deductible claims out of pocket?
  • When should I not file a claim?
  • Is my trailer covered?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Learn about auto insurance coverages for a Mitsubishi Lancer

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on most auto insurance policies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, driving through your garage door, hitting a mailbox, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability insurance

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

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees, funeral expenses, structural damage and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as dental work, nursing services and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.