Save on 2006 Mitsubishi Lancer Car Insurance Quotes

Drivers have a choice when trying to find affordable Mitsubishi Lancer insurance. You can either spend your time driving around trying to get quotes or use the internet to compare rates.

There are more efficient ways to find auto insurance online and you need to know the absolute fastest way to quote coverages on a Mitsubishi and find the lowest possible price from both online companies and local agents.

Ways to get auto insurance rate quotes

Most of the larger companies allow consumers to get pricing online. Comparing prices online is quite simple as you simply enter the coverage amounts you desire as requested by the quote form. After you complete the form, their system automatically orders your driving and credit reports and generates a price.

Being able to quote online makes it easy to compare insurance prices but the time it takes to visit different websites and complete many quote forms is a big time waster. But it’s very important to get many rate quotes in order to get lower prices.

A quicker way to locate the lowest prices makes use of a single form to get prices from several companies at one time. It saves time, requires less work, and makes quoting online a lot less work. Immediately after you send the form, it is quoted and you are able to buy any or none of the quote results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

To use this form to compare rates, click here to open in new window and enter your information. To compare your current rates, we recommend you replicate the limits and deductibles as close as possible to your current policy. This makes sure you’re receiving an apples-to-apples comparison based on similar coverages.

Cheap insurance rates with discounts

The price of auto insurance can be rather high, but you may qualify for discounts that can help lower your rates. A few discounts will automatically apply at the time you complete a quote, but some must be requested specifically prior to receiving the credit.

  • Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Military Discounts – Having a family member in the military could qualify you for better prices.
  • Claim Free – Drivers who don’t have accidents pay much less as opposed to bad drivers.
  • Good Driver Discount – Insureds who avoid accidents may receive a discount up to 45% on Lancer insurance compared to rates paid by drivers with frequent claims.
  • Own a Home and Save – Owning your own home or condo can get you a discount since home ownership is proof that your finances are in order.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. So even though you would think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Companies and the discounts they provide are included below.

  • The Hartford has savings for driver training, vehicle fuel type, anti-theft, bundle, defensive driver, air bag, and good student.
  • American Family may include discounts for mySafetyValet, accident-free, Steer into Savings, good driver, and bundled insurance.
  • Progressive may offer discounts for homeowner, online quote discount, continuous coverage, good student, multi-policy, multi-vehicle, and online signing.
  • Travelers discounts include new car, continuous insurance, IntelliDrive, payment discounts, save driver, and multi-policy.
  • Farmers Insurance offers premium reductions for mature driver, teen driver, switch companies, homeowner, and early shopping.
  • USAA offers discounts for annual mileage, defensive driver, multi-policy, driver training, new vehicle, safe driver, and multi-vehicle.
  • Liberty Mutual offers discounts including good student, new graduate, preferred payment discount, newly retired, exclusive group savings, and multi-car.

When comparing rates, check with all companies you are considering what discounts are available to you. Depending on the company, some discounts may not apply to policies in your area. For a list of insurance companies with significant discounts, click this link.

Find Mitsubishi Lancer insurance cheaper

Lots of factors are part of the equation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but others are more obscure like your continuous coverage or your vehicle rating.

  • Lower rates for being claim-free – If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Insurance companies provide cheaper rates to policyholders who do not rely on their insurance for small claims. Your car insurance is intended for more catestrophic claims.
  • Certain occupations pay higher insurance rates – Do you work in a high-stress field? Jobs like military personnelairline pilots and miners tend to pay higher premiums than the average policyholder attributed to intense work situations and lots of time spent at work. On the flip side, occupations such as farmers, historians and performers pay the least on Lancer insurance.
  • Don’t cancel your policy without a new one in place – Driving without insurance coverage in place is a big no-no and companies may charge more for letting your coverage have a gap. Not only will rates go up, the inability to provide proof of insurance might get you a license revocation or jail time.
  • Discounts for married drivers – Walking down the aisle can get you a discount on your insurance policy. Having a spouse generally demonstrates drivers are less irresponsible and statistics show married drivers tend to have fewer serious accidents.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that might point out if your situation will benefit from professional help.

  • What are the financial responsibility laws in my state?
  • I don’t drive much so do I pay less?
  • What is high-risk coverage and where do I buy it?
  • When does my teenage driver need to be added to my policy?
  • Does insurance cover damages from a DUI accident?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance specifics

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Mitsubishi Lancer.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Collision protection

Collision coverage pays for damage to your Lancer caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage can cover damage or injury you incur to people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, emergency aid, funeral expenses, legal defense fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like dental work, funeral costs and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, theft, hitting a deer and falling objects. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Cheaper insurance is a realistic goal

We covered a lot of information how to reduce 2006 Mitsubishi Lancer insurance rates online. The most important thing to understand is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising.

Budget-conscious 2006 Mitsubishi Lancer insurance can be purchased both online as well as from independent agents, and you need to price shop both to have the best rate selection. A few companies do not provide the ability to get quotes online and these regional insurance providers only sell through independent insurance agencies.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

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Comments About 2006 Mitsubishi Lancer Insurance

  1. Carita Meyers

    From north side of Overland Park, KS. Can’t remember who all I quoted but I ended up saving about $50 each month. Left MetLife to switch. :)

  2. Kerry Meyers

    I’m just west of Jacksonville, FL. Quoted with AIG Insurance, MetLife, and USAA for my Lancer and saved $514 a year. Was with AAA.

  3. Oleta Barber

    Here’s my quote info. I’m in the east part of Dover, DE. I quoted with AAA, MetLife, and a few others for my Lancer and saved $176 a year. I even had a DUI years ago. It’s easy to compare rates online now.

  4. Donnell Conner

    Is Allstate cheap in Frederick, MD?

  5. Bertie Stevenson

    Is a custom audio system covered by insurance?

  6. Carisa Rasmussen

    I found affordable 2006 Mitsubishi Lancer insurance from Allstate in Jersey City, New Jersey.

  7. Eusebio Farrell

    I’m in Provo, UT. I got free quotes with Auto-Owners, Mercury, and some smaller one I can’t remember the name of for my Mitsubishi and saved $422 a year. Have a couple speeding tickets too. I got a quote from their website.

  8. Devin Rocha

    All companies are crooks. From Philadelphia, PA. Quoted with State Farm, Amica, Erie, and Liberty Mutual for my Lancer and saved around $140 a year. Was with Allstate. A clean driving record helps.

  9. Linn Stark

    Will 21st Century cancel my policy for a liability claim?

  10. Moshe Levine

    Cheap is not always the best policy. Checking in from Fairbanks, Alaska. I quoted with Progressive, Farmers, and Liberty Mutual for my Lancer and saved around $430 a year. Even increased coverage a bit. I got a quote from their website.

  11. Charita Sparks

    Nice post. Located in Reno, NV. Quoted a bunch of companies. Saved roughly $40 a month. Progressive was the cheapest for me. My new agent seems to be really good.

  12. Anya Ferguson

    From Baton Rouge, Louisiana. Got free quotes online for a 2006 Mitsubishi Lancer. Ended up at about $520 savings annually. Went with Progressive. Left Nationwide to switch. I just quoted rates online.

  13. Mitchell Howard

    Are custom wheels covered by insurance?