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2004 Mitsubishi Lancer Sportback Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 26, 2020

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Looking for better auto insurance rates for your Mitsubishi Lancer Sportback? Having to pay for overpriced Mitsubishi Lancer Sportback insurance can drain your savings account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet.

Drivers have so many insurers to buy insurance from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare company pricing.

You should take the time to compare rates once or twice a year because prices are usually higher with each renewal. Even if you think you had the best rates on Lancer Sportback insurance last year you can probably find a better price now. Ignore everything you know about auto insurance because you’re about to learn one of the quickest ways to buy cheaper auto insurance.

Discounts to lower Mitsubishi Lancer Sportback insurance rates

Car insurance companies don’t always publicize every discount very well, so we researched some of the more common and the more hidden savings tricks you should be using.

  • Defensive Driving Course – Successfully completing a defensive driving course can save you 5% or more if you qualify.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.
  • Low Mileage – Fewer annual miles on your Mitsubishi can earn discounted rates on garaged vehicles.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.

Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free auto insurance policy, companies don’t profit that way.

Insurance companies who might offer these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Some discounts might not be offered in your area.

Cheap Insurance Coverage Comparisons

Effectively comparing insurance coverage prices can be challenging if you don’t understand the fastest way to get free quotes. You could waste a few hours driving to insurance agencies in your area, or you can stay home and use the internet to quickly compare rates.

Most of the best insurance companies take part in a program where insurance shoppers send in one quote, and each company provides a quote based on that data. This system prevents you from having to do quotation requests for each company.

To find out how much you can save on insurance coverage click here to start a free quote.

The only downside to comparing rates this way is you are unable to specify which providers to get quotes from. If you wish to select from a list of companies to request quotes from, we have a listing of companies who write insurance coverage in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same coverage limits and deductibles on every quote. If each company quotes different values for each quote it will be impossible to decipher which rate is best. Having just a slight variation in coverage limits can result in a big premium difference. Just remember that having more price comparisons provides better odds of finding better pricing.

Free Auto Insurance Comparison

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Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

  • Is my ex-spouse still covered by my policy?
  • What discounts do I qualify for?
  • Am I covered if my car is in a flood?
  • Is my custom paint covered by insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my friends covered when driving my car?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage information

Understanding the coverages of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on most car insurance policies.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, a broken windshield, hitting a deer and vandalism. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like funeral costs, rehabilitation expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Mitsubishi Lancer Sportback.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, damaging your car on a curb, driving through your garage door, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

This will cover damage or injury you incur to other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, court costs and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

You can do this!

You just read a lot of techniques to reduce 2004 Mitsubishi Lancer Sportback insurance prices online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Some small companies often have lower prices on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

Cheaper insurance is possible both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Additional resources

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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