How Much Does 2013 Mitsubishi Lancer Sportback Car Insurance Cost in 2024?

Trying to find the cheapest insurance rates? Buyers have a choice when searching for low-cost Mitsubishi Lancer Sportback insurance. You can either waste hours struggling with agents trying to get quotes or use the internet to find the lowest rates.

There is a right way and a wrong way to find insurance online so we’re going to tell you the best way to price shop coverage for your Mitsubishi and find the cheapest rates.

You need to shop coverage around once or twice a year due to the fact that insurance prices tend to go up over time. If you had the lowest rates on Lancer Sportback insurance last year there may be better deals available now. Block out anything you think you know about insurance because you’re about to learn the best methods to find great coverage at a great price.

Which insurance is cheapest?

There are several ways you can shop for insurance but there is one way that is more efficient than others. You can waste a few hours (or days) driving to local insurance agents in your area, or you could use online quotes for quick rates.

Most of the best insurance companies participate in a marketplace where prospective buyers only type in their quote data once, and each participating company provides a quote based on the submitted data. This eliminates the need for form submissions for each company.

To get comparison pricing now enter your zip code here.

The single downside to comparing rates this way is that you can’t choose which companies you will receive quotes from. So if you want to choose specific providers for rate comparison, we put together a list of companies who write insurance in your area. Click to enter zip code.

Whichever way you choose to compare rates, make sure you are using equivalent quote data on every quote. If each company quotes different deductibles it will be next to impossible to determine the lowest rate for your Mitsubishi Lancer Sportback.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can aid in determining whether you might need an agent’s assistance.

• Who is covered when they drive my 2013 Mitsubishi Lancer Sportback?
• When do I need to add a new car to my policy?
• Am I covered when driving a rental car?
• Is business equipment covered while in my vehicle?
• Why am I required to buy liability insurance?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I hit my neighbor’s mailbox?
• What is the minimum liability in my state?
• How high should deductibles be on a 2013 Mitsubishi Lancer Sportback?
• Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out your zip code. It’s fast, free and may give you better protection.

Car insurance coverage information

Having a good grasp of auto insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses for EMT expenses, nursing services, hospital visits, doctor visits and surgery. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, a tree branch falling on your vehicle and theft. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

Liability insurance will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, attorney fees and medical services. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits do not exceed the liability coverage limits.

Collision insurance

Collision insurance covers damage to your Lancer Sportback resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, damaging your car on a curb, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.