2014 Mitsubishi Lancer Car Insurance Quotes

Looking for cheaper car insurance rates for your Mitsubishi Lancer? Nobody cherishes buying car insurance, in particular when they are paying too much. Lots of insurers contend to insure your vehicles, and it can be difficult to compare rates and get the definite lowest rate possible.

It’s a great practice to check car insurance prices on a regular basis because rates go up and down regularly. Just because you had the best price on Lancer coverage last year there may be better deals available now. There is a lot of bad advice regarding car insurance on the web, but by reading this article, you’re going to learn the easiest ways to reduce your car insurance bill.

If you have a policy now or are looking for a new policy, you can follow these tips to find better prices while maximizing coverage. Finding affordable coverage is quite easy. Drivers just need to learn the tricks to compare rates online.

Mitsubishi Lancer insurance rates can be determined by these details

It’s important that you understand the factors that come into play when calculating your insurance rates. Understanding what impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.

The list below includes a few of the “ingredients” companies use to determine your rates.

  • Safer cars are cheaper to insure – Cars with high safety ratings get lower rates. Safe vehicles result in less severe injuries and fewer injuries means lower claim amounts passed on to you as lower rates. If your Mitsubishi Lancer scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • With age comes lower rates – Young drivers have a tendency to be more careless behind the wheel so they pay higher insurance rates. If you’ve ever had to add a young driver onto your insurance can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
  • Pleasure use saves money – The higher the mileage driven each year the higher your rates will be. Most insurance companies apply a rate determined by how the vehicle is used. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Improper usage on your Lancer can result in significantly higher rates. Make sure your insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.
  • Your spouse saves you money – Having a wife or husband helps lower the price on your insurance policy. Marriage is viewed as being more responsible it has been statistically shown that being married results in fewer claims.
  • Add-on coverages can add up – There are quite a few add-on coverages that can waste your money on your insurance policy. Things like roadside assistance, accident forgiveness and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don’t need them remove them from your policy.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Both sexes cause accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get more serious tickets like reckless driving and DUI.
  • Your location is important – Residing in less populated areas is a positive aspect when talking about insurance. City drivers regularly have more traffic problems and a longer drive to work. Fewer drivers means fewer accidents and a lower car theft rate.
  • How credit affects insurance rates – A driver’s credit rating is a important factor in determining what you pay for insurance. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower ratings. So if your credit rating can use some improvement, you could potentially save money when insuring your 2014 Mitsubishi Lancer by repairing your credit.

How to Get Insurance Coverage Comparison Quotes

All the larger insurance coverage companies such as Allstate, GEICO and Progressive allow you to get coverage prices on their websites. Getting quotes is quite simple as you just type in your required coverages as detailed in the form. After you complete the form, the company’s rating system pulls reports for credit and driving violations and quotes a price based on many factors. This simplifies rate comparisons, but the time it takes to visit a lot of sites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes if you are searching for lower prices.

The preferred way to find cheaper rates is to use a quote form that gets price quotes from multiple companies. It’s a real time-saver, requires less work, and makes price shopping online a little more enjoyable. After sending your information, it is quoted with multiple companies and you can pick any one of the quote results. If a lower price is quoted, you can simply submit the application and buy the new coverage. This process can be completed in less than 10 minutes and may save quite a bit of money.

If you want to find out what other companies charge, simply click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you type in deductibles and limits as close as possible to your current policy. This makes sure you will get an apples-to-apples comparison using the exact same coverages.

Policy discounts you shouldn’t miss

Car insurance companies don’t list all their discounts very clearly, so we took the time to find some of the best known and the harder-to-find savings tricks you should be using. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Sign Early and Save – A few companies offer discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for a discount up to 10% on Lancer coverage.
  • Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up if you are claim-free for a certain period of time.
  • Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn a substantially lower rate.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Student in College – Any of your kids who live away from home without a vehicle on campus may qualify for this discount.
  • Auto/Life Discount – Some companies give a break if you buy a life insurance policy as well.
  • Seat Belts Save – Requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.

Drivers should understand that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

Car insurance companies that may offer some of the above discounts are:

It’s a good idea to ask every prospective company which discounts they offer. All car insurance discounts may not be available in every state.

Insurance agents can help

When it comes to choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might point out if your situation may require specific advice.

  • Is upholstery damage covered by car insurance?
  • Does my 2014 Mitsubishi Lancer qualify for pleasure use?
  • Can I make deliveries for my home business?
  • When would I need rental car insurance?
  • Do I really need UM/UIM coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Do I benefit by insuring my home with the same company?
  • Is my dog or cat covered if injured in an accident?

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 agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Information about specific coverages

Having a good grasp of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average car insurance policy.

Liability coverages – Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things such as court costs, attorney fees, repair costs for stationary objects and legal defense fees. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, hitting a mailbox, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for immediate expenses for EMT expenses, X-ray expenses, funeral costs, pain medications and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive car insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, hitting a deer and fire damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

A penny saved is a penny earned

Cheaper 2014 Mitsubishi Lancer insurance can be sourced online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. Too many times, someone sacrificed liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price while still protecting your assets.

We covered many ideas to reduce insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced car insurance comes from the smaller companies. They often have lower prices on specific markets than their larger competitors like State Farm or Progressive.

More information can be found below: