2013 Mitsubishi Lancer Sportback Car Insurance Quotes – 6 Ideas for Best Rates

Trying to find better insurance coverage rates? Buyers have lots of choices when searching for the best price on Mitsubishi Lancer Sportback insurance. You can either spend your time calling around trying to get quotes or save time using the internet to compare rates.

There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the proper way to get price quotes on a Mitsubishi and locate the lowest possible price.

This information will teach you how to get online quotes. If you currently have a car insurance policy, you should be able to save some money using this information. Drivers only need to know the most effective way to shop their coverage around over the internet.

Compare auto insurance quotes

Lowering your 2013 Mitsubishi Lancer Sportback auto insurance rates is an easy way to save money. All you need to do is invest a few minutes getting comparison quotes to see which company has cheaper insurance quotes. You can get a good selection of rate quotes using one of these methods.

The most efficient way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This method saves time by eliminating a different quote for each price estimate. One quote request will return price quotes from many national carriers. It’s definitely the quickest method.

A less efficient way to analyze rates requires a trip to the website of each company and complete a new quote form. For sake of this example, let’s say you want to see prices from Nationwide, Farmers and GEICO. To do that, you would have to go to each individual site and repeatedly enter your information, which is why first method is reommended. To view a list of companies in your area, click here.

Even if you have time, the least recommended way to do your price quoting is to spend your day driving to all the different insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you’re the type of person who wants the professional guidance that can only be provided by a licensed insurance agent. You can, however, comparison shop your insurance online and get advice from an agent in your area.

Which method you use is up to you, but do your best to use nearly identical information on every price quote you get. If you use different deductibles you will not be able to make an equal comparison.

Save money with these six discounts

Car insurance can be pricey, but you might already qualify for some discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be manually applied before you get the savings.

  • Seat Belt Discounts – Requiring all passengers to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Telematics Data Discounts – Insureds that choose to allow their car insurance company to analyze driving patterns by using a telematics device like Allstate’s Drivewise could possibly reduce rates as long as they are good drivers.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Pay Early and Save – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
  • Multiple Policy Discount – When you combine your auto and homeowners insurance with the same company you could save as much as 10 to 15 percent.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Companies and a summarized list of policyholder discounts are included below.

  • Farm Bureau policyholders can earn discounts including multi-vehicle, renewal discount, safe driver, multi-policy, and driver training.
  • Liberty Mutual may offer discounts for newly married, multi-policy, safety features, multi-car, hybrid vehicle, newly retired, and new move discount.
  • State Farm may include discounts for safe vehicle, accident-free, good driver, passive restraint, Steer Clear safe driver discount, and defensive driving training.
  • Auto-Owners Insurance offers discounts for company car, safe vehicle, group or association, anti-lock brakes, mature driver, and student away at school.
  • GEICO has savings for multi-policy, emergency military deployment, air bags, federal employee, and multi-vehicle.
  • SAFECO offers discounts including teen safe driver, multi-car, anti-lock brakes, homeowner, and drive less.

It’s a good idea to ask each company how you can save money. Discounts might not apply in your area.

What is the best insurance coverage?

When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether or not you may require specific advice.

  • What can I do if my company denied a claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • How do I buy GAP insurance?
  • What is medical payments coverage?
  • Will filing a claim cost me more?
  • What is PIP insurance?
  • How much liability coverage do I need in my state?
  • Why do I need rental car insurance?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Specific coverages for a 2013 Mitsubishi Lancer Sportback

Understanding the coverages of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Mitsubishi Lancer Sportback.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Collision insurance

This coverage covers damage to your Lancer Sportback resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Liability coverage

This coverage can cover damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like medical expenses, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, damage from flooding and vandalism. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as dental work, funeral costs, pain medications, hospital visits and nursing services. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Quote more. Save more.

Discount 2013 Mitsubishi Lancer Sportback insurance can be sourced both online as well as from insurance agents, and you need to price shop both to have the best rate selection. Some insurance coverage companies may not provide rate quotes online and most of the time these smaller companies only sell coverage through independent agents.

When you buy insurance online, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an insured cut full coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

In this article, we covered a lot of ways to shop for 2013 Mitsubishi Lancer Sportback insurance online. The most important thing to understand is the more you quote insurance, the better your chances of lowering your rates. Consumers may even find the lowest prices are with an unexpected company.

Other resources