2008 Mitsubishi Lancer Insurance Rates

Want the cheapest car insurance rates for your Mitsubishi Lancer? Are you drained from sacrificing to insure your Mitsubishi every month? Your situation is no different than most other people. Due to the large number of companies and agents to choose from, it can be diffult for drivers to pick the right car insurance company.

It’s smart to check car insurance prices yearly due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the best price for Lancer insurance a couple years back you may be paying too much now. You can find a lot of wrong information about car insurance on the web, but you can learn some good information on how to save money.

How to compare insurance coverage quotes

Most of the larger companies provide coverage price quotes direct online. This process is very simple as you simply type in your personal and coverage information on the page. After you submit the form their quoting system automatically retrieves credit information and your driving record and returns pricing information determined by many factors. Online price quotes helps simplify price comparisons, but the work required to visit each company’s website and repetitively type in your information is a waste of time. But it’s also necessary to perform this step if you want to get the lowest insurance coverage rates.

Rate comparisons made easy

The smarter way to lower your insurance coverage bill uses one simple form that obtains quotes from multiple companies. The form is fast, reduces the work, and makes quoting online a little more enjoyable. As soon as the form is sent, it is quoted with multiple companies and you can pick any or none of the quotes returned.

If you find a better price you simply finish the application and purchase the new policy. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

In order to get comparison pricing now, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you type in the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will have a price comparison for exact coverage.

Auto insurance discounts help slash rates

Auto insurance companies don’t necessarily list all disounts in an easy-to-find place, so the list below gives a summary of both well-publicized and the more hidden discounts that may be available. If you aren’t receiving every discount you deserve, you may be paying too high a price.

• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up can save 10% or more off the medical payments premium.
• Paperless Signup – A handful of larger companies will give you a small discount shop auto insurance on their website.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it will make them better drivers and lower rates.
• Discount for Multiple Policies – If you combine your auto and home policies with one insurance company you could get a discount of up to 20% off your total premium.
• Discount for Passive Restraints – Factory air bags or motorized seat belts can get savings of 20 to 30 percent.
• Save over 55 – Drivers over the age of 55 may receive reduced rates for Lancer insurance.
• Clubs and Organizations – Having an affiliation with certain professional organizations may earn a discount when getting a auto insurance quote.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Some of the larger companies that may have most of the discounts above include:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

Double check with every insurance company which discounts you qualify for. All car insurance discounts may not be available in your area. If you would like to view companies who offer online auto insurance quotes, click here to view.

Which is the best insurance?

When buying the best insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

• Do I have coverage for damage caused while driving under the influence?
• Am I covered if I drive in a foreign country?
• Do I need replacement cost coverage?
• Is my 2008 Mitsubishi Lancer covered for flood damage?
• Why am I required to buy high-risk coverage?
• I have good health insurance, so how much medical payments coverage do I need?
• Should I drop comprehensive coverage on older vehicles?
• If my pet gets injured in an accident are they covered?
• How much underlying liability do I need for an umbrella policy?
• Does my insurance cover my expensive audio equipment?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage options for a 2008 Mitsubishi Lancer

Having a good grasp of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, damage from flooding, falling objects and vandalism. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mitsubishi Lancer.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for bills such as doctor visits, surgery, rehabilitation expenses, chiropractic care and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Auto liability insurance – Liability insurance will cover damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical expenses, repair bills for other people’s vehicles, emergency aid and court costs. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Collision – Collision coverage covers damage to your Lancer caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.