Compare 2006 Mitsubishi Lancer Car Insurance Quotes

Searching for lower insurance rates for your Mitsubishi Lancer? Did you fall for a flashy sales pitch and buy high-priced insurance? Trust us when we tell you you’re not the only one. Insurance companies such as Allstate, Progressive and Geico constantly bombard you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

The quickest way to get rate comparisons takes advantage of the fact most insurance companies will pay a fee to compare rate quotes. All you need to do is take a few minutes to give details including daily mileage, deductibles desired, if you went to college, and what you do for a living. The rating information gets sent immediately to many of the top insurers and they return quotes almost instantly.

Tailor your coverage to you

When it comes to buying coverage, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • Can I still get insurance after a DUI?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my teenager covered with friends in the car?
  • Is business property covered if stolen from my car?
  • Do I need rental car coverage?
  • Is a fancy paint job covered?
  • Will filing a claim cost me more?
  • Do I have newly-aquired coverage?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, falling objects, damage from flooding and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This will pay to fix damage to your Lancer caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, colliding with another moving vehicle, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Liability coverage

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as funeral expenses, emergency aid, loss of income, medical services and structural damage. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like ambulance fees, funeral costs, doctor visits and chiropractic care. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.