Cheapest 2013 Mitsubishi Lancer Insurance Rates in 2023
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UPDATED: Nov 16, 2021
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Tired of not being able to afford each month for car insurance? You are in the same boat as millions of other consumers.
You have so many insurance companies to choose from, and although it’s a good thing to have multiple companies, it makes it harder to find the best rates.
Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you will most likely be able to save some money using these methods. But consumers must know the way companies price online insurance and apply this information to your search.
The quickest method we recommend to get rate comparisons is to understand car insurance companies actually pay money for the chance to give rate comparisons. All you need to do is provide a small amount of information like if a SR-22 is required, if the vehicle is leased, if you’re married, and deductibles desired. That rating data is automatically sent to multiple companies and they provide comparison quotes very quickly.
Is there truth in advertising?
Car insurance companies such as State Farm, Allstate and GEICO regularly use television and radio advertisements. They all seem to make the same claim of big savings if you move to their company. How can each company make almost identical claims? It’s all in the numbers.
All the different companies have a preferred profile for the right customer that is profitable for them. A good example of a desirable insured might be between 25 and 40, owns a home, and drives less than 10,000 miles a year. Any driver who fits that profile will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.
Potential insureds who are not a match for the “perfect” profile will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “everyone that quotes” save that much. That’s why companies can state the savings. That is why drivers should get as many quotes as possible. You cannot predict which insurance companies will give you the biggest savings on Mitsubishi Lancer insurance.
Mitsubishi Lancer premiums are determined by many factors
Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for car insurance. Understanding what controls the rates you pay enables informed choices that can help you get big savings.
Shown below are a partial list of the pieces car insurance companies consider when setting your rates.
- Having a spouse can save you money – Getting married can actually save you money on car insurance. Having a significant other usually means you are more mature it has been statistically shown that married drivers get in fewer accidents.
- Car features impact rates – Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
- Your credit rating is important – A driver’s credit score is a huge factor in determining your rates. If your credit rating is lower than you’d like, you could save money insuring your 2013 Mitsubishi Lancer by repairing your credit. People with high credit ratings tend to be more responsible than drivers who have poor credit.
- Rate your vehicle for proper use – The more miles you rack up on your Mitsubishi every year the higher your rates will be. Most companies charge to insure your cars based on their usage. Cars and trucks that are left in the garage receive lower rates than those used for commuting. An improperly rated Lancer can cost quite a bit. Verify your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.
- How’s your driving record? – Your driving record has a huge affect on how much you pay. Even a single citation can increase rates forty percent or more. Good drivers get better rates than their less careful counterparts. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
- Add-on coverages can add up – There are quite a few add-on coverages that you can buy when buying car insurance. Insurance for vanishing deductibles, towing coverage and term life insurance are some examples. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
- Men fork out a little more – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Both sexes cause accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations like reckless driving and DUI.
- High numbers of claims are not good – Companies provide lower rates to people who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is designed for larger claims.
You probably qualify for some discounts
Companies don’t list every available discount very well, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving.
- Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiring. It can save you around 10%.
- Sign Online – A handful of insurance companies will give a small break just for signing your application digitally online.
- Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save 10% to 20% off each policy.
- More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
- Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
Drivers should understand that some of the credits will not apply the whole policy. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like you could get a free car insurance policy, companies wouldn’t make money that way.
Car insurance companies that may have these money-saving discounts are:
- The Hartford
- American Family
- Farmers Insurance
- Liberty Mutual
Double check with every prospective company which discounts you may be entitled to. Savings may not apply in your area.
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There’s no such thing as the perfect policy
When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.
- Does medical payments coverage apply to all occupants?
- Is a blown tire covered by insurance?
- Should I file a claim if it’s only slightly more than my deductible?
- Why am I required to buy liability insurance?
- Does my insurance cover a custom paint job?
- Do I need replacement cost coverage?
- Am I covered if I break a side mirror?
- Can my babysitter drive my car?
- Can I drive in Mexico and have coverage?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.
Coverages available on your policy
Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by car insurance companies.
Coverage for medical payments
Coverage for medical payments and/or PIP pay for immediate expenses for things like rehabilitation expenses, surgery and X-ray expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Liability coverage will cover damage that occurs to people or other property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability can pay for things like legal defense fees, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.
Collision insurance will pay to fix damage to your Lancer resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as driving through your garage door, sideswiping another vehicle, crashing into a building, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as damage from getting keyed, hail damage, damage from a tornado or hurricane, hitting a bird and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Mitsubishi Lancer.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
What is YOUR best insurance company?
Discount 2013 Mitsubishi Lancer insurance can be found from both online companies and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and these small, regional companies work with independent agents.
As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.
We just covered many tips how you can compare insurance prices online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even find the most savings is with the smaller companies. They can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.
More tips and info about auto insurance is located in the articles below:
- Safe Vehicles for Teens (iihs.org)
- Vehicle Safety Ratings (iihs.org)
- How to Avoid Buying a Flooded Car (Insurance Information Insitute)
- All About Airbag Safety (State Farm)
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