Save on 2009 Mitsubishi Lancer Insurance Quotes

Looking for the cheapest auto insurance rates for your Mitsubishi Lancer? Tired of paying out the nose to buy car insurance? You are no different than millions of other consumers. Drivers have so many car insurance companies to choose from, and though it is a good thing to be able to choose, it can be more challenging to compare company pricing.

Consumers should take time to price shop coverage periodically because prices are constantly changing. Even if you think you had the best price on Lancer insurance six months ago you can probably find a better price now. Forget all the misinformation about auto insurance because we’re going to demonstrate the right way to find better coverage at a better price.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but there could be available discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but a few must be asked for before they will apply. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Clubs and Organizations – Affiliation with a qualifying organization could qualify you for a break when buying insurance coverage on Lancer insurance.
  • Bundle and Save – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on Lancer insurance than drivers with accidents.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course in school.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • No Accidents – Claim-free drivers can save substantially when compared with drivers who are more careless.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will bring down your overall premium however.

Insurance companies that may have these benefits may include but are not limited to:

Check with each insurance company which discounts they offer. Savings might not apply in your area.

Comprehensive Insurance Coverage Comparison

Performing a rate comparison can be a lot of work if you don’t understand the most efficient way to do it. You could spend your day talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to a marketplace that enables customers to complete one form, and each company can give them a price for coverage. This system prevents you from having to do quote forms for each company. To enter your information into the quoting system, click here to open in new window.

The only downside to comparing rates this way is you can’t choose which providers you want to price. So if you prefer to pick specific providers to request quotes from, we put together a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, compare identical deductibles and coverage limits on every quote you get. If you are comparing higher or lower deductibles it will be impossible to truly determine the lowest rate.

When might I need an agent?

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine if you would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • What if I owe more than I can insure my car for?
  • Does liability extend to a camper or trailer?
  • Is there coverage for injuries to my pets?
  • What is medical payments coverage?
  • What are the best liability limits?
  • Should I sign the liability waiver when renting a car?
  • What is an SR-22 filing?
  • Does my 2009 Mitsubishi Lancer qualify for pleasure use?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Having a good grasp of your insurance policy can be of help when determining the right 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. Below you’ll find typical coverage types available from insurance companies.

Liability auto insurance

This protects you from damage or injury you incur to a person or their property. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Mitsubishi Lancer.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, hitting a deer and hitting a bird. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage kick in for bills like pain medications, ambulance fees, surgery, X-ray expenses and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

The bottom line

Throughout this article, we presented many tips how you can lower your 2009 Mitsubishi Lancer insurance rates. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Progressive or Geico.

Affordable insurance is definitely available on the web and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Much more information about insurance is available below: