Best Insurance for a Mitsubishi Lancer in Sacramento

Discount Mitsubishi Lancer insuranceThe best way to find affordable Mitsubishi Lancer insurance is to compare prices once a year from companies in Sacramento.

A tip to remember is to use identical coverages on every price quote and and to compare every company you can. This provides a fair price comparison and a thorough selection of prices.

Astonishing but true according to a recent study, the vast majority of consumers have purchased from the same company for four years or more, and just short of a majority have never quoted insurance rates at all. With the average premium in America being $1,847, drivers could save themselves as much as 46.5% a year just by getting comparison quotes, but they won’t spend time to compare rates.

Cheap car insurance in Sacramento, CA

The companies shown below have been selected to offer comparison quotes in Sacramento, CA. In order to find cheaper auto insurance in Sacramento, CA, we recommend you visit several of them in order to find the most affordable rates.

Rate information and statistics

The rate table shown next outlines different insurance coverage prices for Mitsubishi Lancer models. Understanding more about how auto insurance policy rates are determined can aid in making smart choices when selecting a coverage provider.

Mitsubishi Lancer Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lancer DE $378 $780 $534 $32 $160 $1,884 $157
Lancer ES $378 $780 $534 $32 $160 $1,884 $157
Lancer GTS $420 $898 $534 $32 $160 $2,044 $170
Lancer Sportback GTS $420 $898 $534 $32 $160 $2,044 $170
Lancer RALLIART $464 $1016 $534 $32 $160 $2,206 $184
Lancer Sportback Ralliart $464 $1016 $534 $32 $160 $2,206 $184
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in specific location which can increase or decrease insurance rates noticeably.

Mitsubishi Lancer insurance rates: Men versus women

The diagram below illustrates the comparison of Mitsubishi Lancer premium costs for male and female drivers. The price estimates are based on no violations or claims, comp and collision included, $500 deductibles, single marital status, and no additional discounts are factored in.

Full coverage rates compared to liability-only

The diagram below illustrates the comparison of Mitsubishi Lancer auto insurance costs with full physical damage coverage and with liability coverage only. The prices are based on no accidents or driving violations, $100 deductibles, single status, and no discounts are factored in.

Guidelines for eliminating full coverage

There is no definitive rule for dropping physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s pretend your Mitsubishi Lancer claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after the policy deductible has been paid. If premium cost is more than $300 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some circumstances where buying only liability insurance is not recommended. If you still owe money on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage.

Smart Choices Result in Lower Insurance Costs

The best way to find cheaper insurance is to take a look at the rating factors that help calculate your premiums. When consumers understand what determines premiums, this allows you to make educated decisions that can earn you much lower annual insurance costs.

Cheaper Mitsubishi Lancer insurance quotes in Sacramento

Companies don’t always list every available discount in an easy-to-find place, so we researched some of the more common and the harder-to-find credits that you can use to lower your rates.Auto insurance discounts

Drivers should understand that most discounts do not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, it doesn’t quite work that way. But all discounts will definitely lower your auto insurance premiums.

The example below compares Mitsubishi Lancer insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, marriage, multi-policy, and multi-car discounts applied.

A list of companies and their possible discounts can be read below.

If you are trying to find affordable Mitsubishi Lancer insurance quotes, ask each company or agent which discounts you may be entitled to. Discounts might not be available to policyholders in every state. If you would like to view auto insurance companies that provide some of the discounts listed above in Sacramento, click this link.

What if I want to buy from local Sacramento auto insurance agents?

Certain consumers still like to have an agent’s advice and that can be a smart move The best thing about comparing insurance prices online is you may find cheap car insurance rates but still work with a licensed agent.

Insurance agents in SacramentoUpon completion of this simple form, the coverage information is sent to agents in your area who will gladly provide quotes for your coverage. You don’t have to even leave your home as quotes are delivered to the email address you provide. You can get cheaper car insurance rates without requiring a lot of work. If you have a need to get a comparison quote for a specific company, don’t hesitate to jump over to their website and fill out the quote form the provide.

Choosing a provider should depend on more than just the premium amount. Here are some questions you should ask.

Cheaper car insurance is a realistic goal

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage only to discover later that it was a big mistake. Your objective should be to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

Throughout this article, we presented a lot of techniques to find lower-cost Mitsubishi Lancer insurance in Sacramento. The key concept to understand is the more you quote Sacramento auto insurance, the better chance you’ll have of finding low cost Sacramento auto insurance quotes. You may even discover the best rates are with the least-expected company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.

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