2014 Mitsubishi Lancer Sportback Car Insurance Quotes – 7 Ideas for Cheaper Rates

Looking for lower auto insurance rates for your Mitsubishi Lancer Sportback? If you’re trying to find cheaper insurance online, do you get overwhelmed by the sheer number of auto insurance sources available to you? You have so many sources to choose from that it can be a difficult situation to find a more affordable company.

You should take the time to get comparison quotes at least once a year because prices are usually higher with each renewal. Despite the fact that you may have had the best rates on Lancer Sportback insurance two years ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to find out the best methods to buy cheaper auto insurance.

If you currently have a car insurance policy, you will be able to cut costs considerably using these tips. Buying the best auto insurance can be fairly easy. Nevertheless, drivers need to learn how the larger insurance companies price insurance differently because it can help you find the best coverage.

Where can I get low cost insurance coverage?

To get low cost auto insurance quotes, there a variety of ways to get quotes from all the different companies. The best way to compare 2014 Mitsubishi Lancer Sportback insurance prices is to use the internet to compare rates. This can be accomplished in a couple minutes as outlined below.

  1. If you’re in a hurry, the quickest way to get quotes is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing boring form submissions to each individual insurance coverage company. Filling out one form gets rate comparisons from many national carriers. This is perfect if you don’t have a lot of time.
  2. A different way to obtain and compare quotes online is to take the time to go to the website of each company to request a price quote. For example, let’s say you need rates from Liberty Mutual, Safeco and Progressive. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

Which method you use is up to you, but be sure to compare the exact same deductibles and coverage limits with each company. If you enter unequal deductibles or liability limits it will be nearly impossible to determine the lowest rate for your Mitsubishi Lancer Sportback. Quoting even small variations in insurance coverages or limits can result in a big premium difference. Just remember that getting more free quotes helps you find better pricing.

Get cheaper insurance coverage with discounts

Insurance coverage is easily one of your largest bills, but you might be missing out on some discounts that you may not even be aware of. Most are applied when you quote, but lesser-known reductions have to be asked about before you will receive the discount.

  • Good Grades Discount – This discount can save 20 to 25%. The good student discount can last until age 25.
  • Paperwork-free – A handful of larger companies may give you up to $50 shop auto insurance digitally online.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
  • Distant Student – Kids who live away from home at college and leave their car at home may qualify for this discount.
  • Military Deployment Discount – Having a deployed family member may qualify for rate reductions.
  • Safe Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates on Lancer Sportback insurance than their less cautious counterparts.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for reduced rates on Lancer Sportback insurance.

You should keep in mind that most credits do not apply the the whole policy. Most only reduce individual premiums such as comp or med pay. Just because it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But any discount will reduce your policy premium.

Larger insurance coverage companies and some of the discounts are outlined below.

  • Geico offers premium reductions for anti-lock brakes, seat belt use, good student, five-year accident-free, military active duty, air bags, and multi-vehicle.
  • MetLife discounts include claim-free, defensive driver, accident-free, good student, good driver, multi-policy
  • Progressive may offer discounts for online quote discount, multi-policy, homeowner, good student, and online signing.
  • Travelers offers discounts including IntelliDrive, hybrid/electric vehicle, multi-policy, save driver, payment discounts, student away at school, and good student.
  • SAFECO may include discounts for anti-theft, bundle discounts, safe driver, teen safety rewards, homeowner, and drive less.
  • AAA includes discounts for multi-policy, pay-in-full, multi-car, anti-theft, good student, and education and occupation.

When comparing rates, check with every company which credits you are entitled to. Some credits might not be offered in your area. To view providers with discount rates, click this link.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions can help discover whether your personal situation may require specific advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Does coverage extend to a rental car in a foreign country?
  • When would I need rental car insurance?
  • Am I covered if I hit a deer?
  • What is PIP insurance?
  • Do I have newly-aquired coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Auto insurance coverage specifics

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like prosthetic devices, surgery, rehabilitation expenses and chiropractic care. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, rock chips in glass, hitting a deer, falling objects and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Mitsubishi Lancer Sportback.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision insurance

This coverage pays for damage to your Lancer Sportback from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, sideswiping another vehicle, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Liability coverages

This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as structural damage, funeral expenses, bail bonds, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comments About 2014 Mitsubishi Lancer Sportback Insurance

  1. Corine Garcia

    In Boston, MA try Allstate or Progressive. Both had decent prices.

  2. Meredith Stephenson

    All companies are crooks. I’m just south of Oklahoma City, OK. I got free quotes with 21st Century, Liberty Mutual, and Farmers for my 2014 Mitsubishi Lancer Sportback and saved $494 a year.

  3. Loria Head

    Just a quick comment on my experience. I live just outside Rio Rancho, NM. Quoted rates from Auto-Owners, MetLife, and USAA for my Mitsubishi and I think I saved about $20 each month. I have several vehicles insured with them. LOL

  4. Ardell Gonzales

    What exactly does liability cover?

  5. Gricelda Molina

    Hope my car insurance gets cheaper. Live in the western part of Sioux Falls, SD. Received quotes with Amica, Erie, and MetLife for my 2014 Mitsubishi Lancer Sportback and I’m now saving $22 a month. Left Travelers to switch. BTW speeding tickets are not good. Online quotes are the way to go.

  6. Tim Mays

    I found affordable 2014 Mitsubishi Lancer Sportback insurance from GEICO in South Burlington, Vermont.

  7. Samara Gates

    If you have a good history and live near Jackson, MS, check out GEICO. They seem to be cheaper. I have a teen driver too. I quoted rates online then called them.

  8. Ollie Sharp

    Proud to be from Great Falls, MT. I got free rates from GEICO, American Family, and some I forget for my 2014 Mitsubishi Lancer Sportback and I’m now saving $43 a month. Not sure if rates are cheaper online or not.

  9. Afton Suarez

    Great info, thanks for posting. From a town just southwest of Virginia Beach, VA. Went online for free insurance quotes for a 2014 Mitsubishi Lancer Sportback. Ended up at about $180 savings annually. Went with Allstate. Switched homeowners coverage too.