Lower Your 2017 Mitsubishi Lancer Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2024

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Finding low-cost insurance for a Mitsubishi Lancer can be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to find car insurance online and we’ll show you the quickest way to compare rates for a new or used Mitsubishi and get the best price possible.

It’s important to compare rates before your next renewal because car insurance rates are rarely the same from one policy term to another. If you had the best premium rates for Lancer insurance at your last renewal other companies may now be cheaper. Block out anything you think you know about car insurance because you’re going to learn one of the quickest ways to save on car insurance.

If you have insurance now or need a new policy, you can follow these tips to get lower rates and still get good coverage. Finding the best auto insurance is easy if you know what you’re doing. Vehicle owners just need to understand the tricks to buy auto insurance online.

Find discounts on car insurance

Car insurance is neither fun to buy or cheap, but there could be available discounts that you may not even be aware of. Certain credits will be shown at the time of purchase, but a few must be inquired about prior to receiving the credit.

  • Good Grades Discount – Getting good grades can earn a discount of 20% or more. Most companies allow this discount up to age 25.
  • Accident Waiver – This isn’t a discount exactly, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide without raising rates if you have no claims for a particular time prior to the accident.
  • Discount for Low Mileage – Driving less may enable drivers to earn better car insurance rates on cars that stay parked.
  • Multiple Vehicles – Purchasing coverage when you have several vehicles with the same car insurance company can get a discount on all vehicles.
  • Air Bag Discount – Options like air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • New Vehicle Savings – Buying a new car instead of a used car can get you a discount due to better safety requirements for new model year vehicles.
  • Save over 55 – Older drivers may qualify for reduced rates for Lancer insurance.
  • No Claim Discounts – Good drivers with no accidents pay less when compared to insureds who have frequent claims or accidents.
  • College Student Discount – Kids living away from home attending college and leave their car at home could qualify for this discount.
  • Telematics Discount – People who choose to allow data collection to track driving manner by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they are good drivers.

As is typical with insurance, most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

A list of car insurance companies and a selection of discounts include:

  • Progressive policyholders can earn discounts including multi-policy, online quote discount, multi-vehicle, homeowner, and good student.
  • AAA offers discounts for pay-in-full, good driver, good student, multi-policy, and AAA membership discount.
  • Farmers Insurance includes discounts for business and professional, teen driver, alternative fuel, good student, distant student, and multi-car.
  • GEICO offers discounts including multi-policy, five-year accident-free, driver training, daytime running lights, military active duty, federal employee, and good student.
  • Esurance offers premium reductions for online quote, renters, DriveSense, multi-car, online shopper, good student, and safety device.
  • SAFECO may offer discounts for bundle discounts, anti-theft, teen safe driver, accident prevention training, and teen safety rewards.
  • State Farm discounts include Drive Safe & Save, anti-theft, Steer Clear safe driver discount, good driver, driver’s education, and accident-free.

If you need cheap car insurance quotes, ask every prospective company the best way to save money. All car insurance discounts might not be offered in your area. To see providers with discount rates, enter your zip code here.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • Can my babysitter drive my car?
  • Is a blown tire covered by insurance?
  • Is my state a no-fault state?
  • Can I afford to buy a different vehicle if my 2017 Mitsubishi Lancer is totaled?
  • Do I need higher collision deductibles?
  • Where can I find high-risk insurance?
  • Do I have coverage when using my vehicle for my home business?
  • What happens if I owe more than my 2017 Mitsubishi Lancer is worth?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and enter your zip code. It’s fast, free and may give you better protection.

Switch companies and save? Really?

Consumers can’t avoid all the ads for auto insurance savings by Progressive, Allstate and GEICO. All the ads say the same thing that you’ll save big if you change your coverage to them.

How is it possible that every company can say the same thing? Just pay attention to how they say it.

Different companies have specific characteristics for the type of driver that will be a good risk. For example, a desirable insured could be a married male, has no claims, and drives newer vehicles. A prospective insured that matches those criteria will get very good car insurance rates as well as cut their rates if they switch.

Drivers who do not meet those standards will probably be forced to pay higher premium rates with the end result being the customer buying from a different company. The ad wording is “drivers that switch” not “everybody who quotes” save that kind of money. This is how companies can make claims like that.

This really emphasizes why you absolutely need to get a wide range of price quotes. It’s impossible to know which company will give you the biggest savings.

Insurance specifics

Understanding the coverages of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as funeral costs, ambulance fees, rehabilitation expenses, pain medications and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance will cover injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like court costs, legal defense fees, medical services, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, vandalism and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2017 Mitsubishi Lancer.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, backing into a parked car, colliding with another moving vehicle, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Don’t throw your cash in the trash

The cheapest 2017 Mitsubishi Lancer insurance can be bought on the web in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers don’t offer rates over the internet and many times these regional insurance providers only sell coverage through independent agencies.

Drivers change insurance companies for a variety of reasons including high prices, policy non-renewal, policy cancellation or an unsatisfactory settlement offer. Regardless of your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

You just learned a lot of ways to get a better price on 2017 Mitsubishi Lancer insurance. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest car insurance. You may even discover the best price on car insurance is with the smaller companies.

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