2010 Mitsubishi Lancer Sportback Insurance Quotes in 2024

Are you a victim of an overpriced auto insurance policy? Don’t sweat it because you are not the only one feeling buyer’s remorse.

Big-name insurance companies like GEICO, Progressive and Allstate all claim big savings, bombarding you with catchy ads and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Finding affordable coverage is not rocket science. Although consumers must know how the larger insurance companies compete online and take advantage of how the system works.

The quickest way to compare car insurance company rates is to take advantage of the fact most of the bigger providers have advanced systems to quote your coverage. To get started, all you need to do is give them some information including if you have an active license, if you lease or own, marital status, and whether you drive to work or school. Your information is instantly submitted to multiple different insurance companies and you will receive price estimates with very little delay.

To check 2010 Mitsubishi Lancer Sportback insurance prices now, click here and complete the quick form.

It’s not one size fits all

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique and your policy should reflect that. For example, these questions might help in determining whether your personal situation might need professional guidance.

• Why am I be forced to buy a membership to get insurance from some companies?
• What vehicles should carry emergency assistance coverage?
• What is covered by UM/UIM coverage?
• Should I buy only the required minimum liability coverage?
• Am I covered when driving someone else’s vehicle?
• Do I need an umbrella policy?
• Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Car insurance 101

Learning about specific coverages of a car insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages available from car insurance companies.

Liability car insurance

Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as court costs, structural damage and loss of income. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like pain medications, prosthetic devices and hospital visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision insurance

This covers damage to your Lancer Sportback caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from flooding, a broken windshield, vandalism and hitting a bird. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.