Cheap 2011 Mitsubishi Lancer Insurance Quotes

Are you drained from paying out the nose to insure your Mitsubishi every month? You are no different than most other drivers.

Big companies like State Farm, Progressive and GEICO increase brand awareness with TV and radio ads and consumers find it hard to see through the deception and find the best price available.

Consumers need to shop coverage around as often as possible since insurance prices change frequently. Just because you found the lowest rates on Lancer insurance at your last renewal other companies may now be cheaper. Forget all the misinformation about insurance coverage because I’m going to teach you the only way to lower your annual insurance bill.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Choosing the best insurance company for you is not rocket science. But vehicle owners should learn how big insurance companies compete online and take advantage of how the system works.

How to compare free auto insurance quotes

Shopping for lower auto insurance rates can take hours if you aren’t aware of the easiest way. You can spend countless hours discussing policy coverages with agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

Many of the larger companies take part in a program that allows shoppers to only type in their quote data once, and each participating company then gives them pricing based on that information. This saves time by eliminating repetitive form submissions to each company.

To participate in this free quote system, click to open in new window.

The only downside to comparing rates this way is buyers cannot specifically choose the providers to get pricing from. If you wish to select specific providers to compare prices, we put together a list of auto insurance companies in your area. View list of insurance companies.

Whichever way you use, try to keep the exact same coverage data for every quote you compare. If you are comparing different limits and deductibles on each one then you won’t be able to find the best deal for your Mitsubishi Lancer. Slightly different insurance coverages or limits may result in large price differences. And when quoting auto insurance, remember that comparing more company’s prices gives you a better chance of getting more affordable rates.

Insurance discounts are available to lower your rates

Insurance can cost an arm and a leg, but you might already qualify for some discounts to reduce the price significantly. Many of these discounts will be applied automatically when you complete an application, but some may not be applied and must be specially asked for before they will apply.

• Cautious Driver Discount – Insureds who avoid accidents can pay as much as 50% less on Lancer insurance compared to rates paid by drivers with frequent claims.
• Braking Control Discount – Cars and trucks equipped with ABS or steering control are safer to drive so you can save 10 percent or more.
• Homeowners Pay Less – Owning a home can save you money because maintaining a house requires personal responsibility.
• Distant College Student Discount – Youth drivers who live away from home at college and won’t have access to an insured vehicle could get you a discount.
• No Charge for an Accident – Not a discount per se, but some companies like GEICO, Progressive, and Allstate allow you one accident before raising your premiums if you have no claims before the accident.

We need to note that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. So even though you would think it’s possible to get free car insurance, companies don’t profit that way.

To find companies who offer free insurance quotes, follow this link.

Everyone needs different insurance coverages

When choosing coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

• How high should my uninsured/underinsured coverage be in my state?
• Why does it cost so much to insure a teen driver?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Will filing a claim cost me more?
• Can my teen driver be rated on a liability-only vehicle?
• Is my camper covered by my car insurance policy?
• What if I total my 2011 Mitsubishi Lancer and owe more than it’s worth?
• If I drive on a suspended license am I covered?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance coverages explained

Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from getting keyed and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

This coverage can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as loss of income, repair costs for stationary objects, pain and suffering, bail bonds and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Collision insurance

This coverage pays for damage to your Lancer caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, sideswiping another vehicle, crashing into a ditch, crashing into a building and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Mitsubishi Lancer.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like pain medications, prosthetic devices, chiropractic care, hospital visits and ambulance fees. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage