2004 Mitsubishi Lancer Car Insurance Quotes – 8 Ideas for Cheapest Rates

Looking for better insurance rates for your Mitsubishi Lancer? Having to pay for overpriced insurance can consume your accounts and force you to cut corners elsewhere. Comparing cost estimates can be a smart way to make ends meet.

Due to the fact that there are so many insurance companies to choose from, it can be hard to find the right insurer.

Quote insurance online

The majority of larger companies such as 21st Century, Allstate and State Farm give price estimates online. The process is easy for anyone because you just enter the coverage amounts you desire into a form. After the form is submitted, their quoting system will obtain your credit score and driving record and gives you a price quote based on many factors. This makes it simple to compare prices but the process of having to visit different websites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible if you are searching for the best price on insurance.

Keep reading for an easier way to compare prices

The preferred way to find cheaper rates uses one simple form that analyzes rates from several companies at one time. It saves time, reduces the work, and makes rate comparisons much easier to do. As soon as the form is sent, it gets priced and you can select any or none of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. This process only takes a few minutes and you’ll know if lower rates are available.

To compare rates now, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended that you enter coverages and limits identical to your current policy. This helps ensure you will receive rate comparison quotes using the same coverage and limits.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if you will benefit from professional help.

• Is my Mitsubishi Lancer covered if I use it for business?
• Do I pay less if my vehicle is kept in my garage?
• Can my babysitter drive my car?
• Will filing a claim cost me more?
• Am I covered if I wreck a rental car?
• Can my teen driver be rated on a liability-only vehicle?
• Is upholstery damage covered by car insurance?
• Is my cargo covered for damage or theft?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Coverage specifics

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mitsubishi Lancer.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverage

This will cover damage that occurs to people or other property by causing an accident. It consists of three 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, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like structural damage, loss of income, attorney fees and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision insurance

Collision coverage will pay to fix damage to your Lancer resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills for things like ambulance fees, nursing services, funeral costs and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, damage from getting keyed, rock chips in glass, fire damage and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.