Compare 2014 Mitsubishi Lancer Sportback Car Insurance Quotes

Want cheaper insurance rates for your Mitsubishi Lancer Sportback? Nobody likes paying for insurance, especially knowing the cost is way too high. Drivers have so many insurers to purchase coverage from, and although it’s a good thing to have multiple companies, it makes it harder to get the best deal.

It’s a great practice to check insurance prices every six months due to the fact that insurance rates go up and down regularly. Even if you think you had the best deal on Lancer Sportback coverage a few years ago you may be paying too much now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

The fastest way that we advise to compare rates is to take advantage of the fact auto insurance companies have advanced systems to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information like what you do for a living, if it has an alarm system, coverage limits, and if a SR-22 is required. That information is automatically sent to multiple top-rated companies and they provide comparison quotes with very little delay.

To compare rates now, click here and enter your coverage details.

Discounts are great for lower rates

Companies don’t list all available discounts in a way that’s easy to find, so we researched some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Low Mileage Discounts – Fewer annual miles on your Mitsubishi can earn lower rates on the low mileage vehicles.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
  • Early Signing – Some companies give discounts for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Homeowners Savings – Simply owning a home can save you money because maintaining a house demonstrates responsibility.

Consumers should know that some credits don’t apply to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates you can get free auto insurance, you’re out of luck.

Insurance companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts may not be available in your state.

You may need specialized coverage

When buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What if I don’t agree with a claim settlement offer?
  • Does insurance cover damages from a DUI accident?
  • Does medical payments coverage apply to all occupants?
  • Am I covered if I break a side mirror?
  • Does coverage extend to my business vehicle?
  • How do I buy GAP insurance?
  • When would I need rental car insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Parts of your insurance policy

Having a good grasp of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Liability coverages

This coverage will cover injuries or damage you cause to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, 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 means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as funeral expenses, legal defense fees, bail bonds, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mitsubishi Lancer Sportback.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills such as ambulance fees, funeral costs, rehabilitation expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, fire damage and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

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

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.