Compare 2004 Mitsubishi Lancer Insurance Rates

Are you sick and tired of being strong-armed each month for car insurance? You’re in the same situation as millions of other consumers. With consumers having so many insurance providers from which to choose, it can be challenging to pick the cheapest car insurance company.

Free Quotes for Car Insurance

All major car insurance companies give coverage price quotes on the web. Getting online quotes doesn’t take much effort as you just type in the amount of coverage you want into a form. When complete, their system automatically retrieves reports for credit and driving violations and provides a quote determined by many factors. This makes comparing rates easy, but having to visit many different websites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes in order to find lower prices.

A quicker way to lower your car insurance bill utilizes a single form that obtains quotes from a lot of companies. It saves time, helps eliminate reptitive entry, and makes online quotes much more enjoyable and efficient. As soon as you send your information, it is rated and you can select any one of the quotes returned. If a lower price is quoted, you can click and sign and purchase the new policy. The entire process just takes a couple of minutes and you will know how your current rates stack up.

To find out how much you can save on car insurance, click here and fill out the form. If you have coverage now, it’s recommended you copy the insurance coverages exactly as shown on your declarations page. This way, you’re receiving an apples-to-apples comparison based on identical coverages.

When might I need an agent?

When it comes to choosing coverage, there really is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help you determine if your situation might need professional guidance.

• How can I force my company to pay a claim?
• Is my cargo covered for damage or theft?
• How high should deductibles be on a 2004 Mitsubishi Lancer?
• How can I get my company to pay me more for my totalled car?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I need rental car coverage?
• Am I better off with higher deductibles on my 2004 Mitsubishi Lancer?
• What is medical payments coverage?
• Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Insurance coverages 101

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, damage from a tornado or hurricane and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims like legal defense fees, medical services and loss of income. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Auto collision coverage

Collision insurance covers damage to your Lancer resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, scraping a guard rail, sideswiping another vehicle, backing into a parked car and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as ambulance fees, chiropractic care, rehabilitation expenses, surgery and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that 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.