Compare Mitsubishi Lancer Insurance Rate Quotes in San Diego

Do you need a fast way to compare more competitive Mitsubishi Lancer insurance in San Diego? Buying insurance online can seem difficult if you are like the majority of consumers and have never used quote comparisons online. But don’t be discouraged because we’re going to show you how to find lower-cost Mitsubishi Lancer in San Diego.

It’s hard to fathom, but 70% of consumers kept their coverage with the same insurance company for at least four years, and almost 40% of drivers have never shopped around. With the average premium in California being $1,400, drivers could save $500 a year by just shopping around, but most just don’t grasp the amount of savings they would get if they switched.

It’s smart to compare rates quite often because insurance rates change regularly. Even if you think you had the lowest rate on Mitsubishi Lancer insurance in San Diego at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to quote online to lower your rates without sacrificing coverage.

Our goal is to instruct you on the most effective way to quote insurance and also pocket some savings If you currently have a car insurance policy, you stand a good chance to be able to buy cheaper car insurance using the ideas covered in this article. But California drivers need to have an understanding of how big insurance companies calculate your policy premium because it can help you find the best coverage.

Low-cost auto insurance in San Diego, CA

The auto insurance companies shown below are our best choices to provide price quotes in California. If multiple companies are shown, we recommend you click on several of them to find the most competitive auto insurance rates.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in San Diego location which can modify premium rates noticeably.

Can higher deductibles save money?

The diagram below shows how different deductible levels and can raise or lower Mitsubishi Lancer insurance rates for different ages of insureds. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Careless San Diego drivers pay higher rates

The information below shows how violations and accidents can increase Mitsubishi Lancer insurance costs for different categories of driver ages. The prices are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

Raise deductibles and save

One of the more difficult decisions when buying auto insurance is how low should you set your deductibles. The following tables sum up the rate fluctuation when you select higher and lower insurance deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in vehicle garaging location which can raise or lower coverage prices noticeably.

Based on this data, using a $250 deductible will cost you about $21 more each month or $252 a year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average more than 12 months between claim filings, you would come out ahead if you choose a higher deductible.

Save a ton on Mitsubishi Lancer insurance in San Diego with these eight discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that may help make it more affordable. A few discounts will be applied when you get a quote, but occasionally some discounts must be specially asked for prior to getting the savings.

• Club Memberships – Participating in a civic or occupational organization in San Diego could trigger savings on your policy.
• College Student – Any of your kids who are enrolled in higher education away from home and do not take a car to college could qualify for this discount.
• Seat Belts Save – Forcing all vehicle occupants to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Sign Online – Some car insurance companies provide a small discount just for signing your application digitally online.
• Telematics Data Discounts – Policyholders that allow their company to spy on driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as they are good drivers.
• Passive Restraints – Factory air bags or motorized seat belts may qualify for discounts of more than 20%.
• Multi-Vehicle Discounts – Buying coverage for more than one vehicle with the same car insurance company could earn a price break for each car.
• Own a Home – Just being a homeowner can get you a discount because maintaining a house demonstrates responsibility.

A quick disclaimer, most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. So when it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous.

Popular car insurance companies and some of the premium reductions they offer are:

• Farmers Insurance policyholders can earn discounts including alternative fuel, multi-car, good student, pay in full, electronic funds transfer, and distant student.
• Esurance offers premium reductions for good driver, anti-lock brakes, paid-in-full, claim free, Switch & Save, renters, and homeowner.
• State Farm offers discounts including student away at school, Drive Safe & Save, Steer Clear safe driver discount, multiple autos, and multiple policy.
• GEICO includes discounts for multi-vehicle, air bags, anti-theft, daytime running lights, driver training, defensive driver, and multi-policy.
• Allstate may offer discounts for 55 and retired, auto/life discount, anti-lock brakes, senior citizen, and safe driver.

Before purchasing a policy, check with every prospective company to give you their best rates. Some of the discounts discussed earlier may not be offered in San Diego. To choose insurers with discount car insurance rates in California, click this link.

Neighborhood San Diego auto insurance agents

Some consumers just want to get professional advice from a licensed agent and that is just fine! A nice benefit of comparing rates online is that drivers can save money and get cheap auto insurance quotes and also buy local. And supporting local agents is important especially in San Diego.

After completing this form (opens in new window), your insurance coverage information is submitted to agents in your area that give free quotes for your insurance coverage. You won’t need to visit any agencies because prices are sent to you. You can most likely find cheaper rates without requiring a lot of work. In the event you want to get a price quote from a particular provider, you would need to navigate to their website and fill out the quote form the provide.

Two different types of car insurance agents

If you are searching for a reputable insurance agent or broker, there are two different types of agencies to choose from. Agents can be categorized as either exclusive or independent.

Independent Auto Insurance Agencies or Brokers

Independent agencies are not locked into one company and that enables them to quote your coverage amongst many companies depending on which coverage is best. To transfer your coverage to a different company, they simply switch companies in-house and the insured can keep the same agent.

When shopping rates, you should always check rates from a couple of independent agencies in order to compare the most rates. Most have the option of insuring with additional companies that you may not be familiar with which can save you money.

The following is a small list of independent insurance agencies in San Diego that can give you free auto insurance quotes.

• Nationwide Insurance: Richard Turner Insurance Agency
  3443 Camino del Rio S #221 – San Diego, CA 92108 – (619) 296-6222 – View Map
• Springbrook Insurance Agency
  10650 Treena St #105 – San Diego, CA 92131 – (858) 391-3001 ext. 105 – View Map
• Stanley Wong Insurance
  4619 Convoy St # C – San Diego, CA 92111 – (858) 569-0383 – View Map

More San Diego agents

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive can only place business with one company and some examples include AAA, Allstate, and State Farm. They are unable to shop your coverage around so you might not find the best rates. Exclusive insurance agents are trained well on their company’s products which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from exclusives primarily because of high brand loyalty and strong financial ratings.

Below are exclusive agencies in San Diego that are able to give comparison quotes.

• Allstate Insurance: Jing Zeng Financial and Insurance Service
  7323 Convoy Ct # B111 – San Diego, CA 92111 – (858) 268-7010 – View Map
• Allstate Insurance: Brian McMullen
  4455 Lamont St #1 – San Diego, CA 92109 – (858) 274-2377 – View Map
• Allstate Insurance: Harries Insurance Agency
  4669 Murphy Canyon Rd Ste 101 – San Diego, CA 92123 – (858) 569-1120 – View Map

More San Diego agents

Finding the right car insurance agent requires you to look at more than just the bottom line cost. Some important questions to ask are:

• Do they offer claims assistance after hours?
• Do they have cheaper tiers of coverage?
• Does the agency support the community they serve?
• Do they regularly work with personal auto policies in San Diego?
• Is the agent properly licensed in California?

After getting positive responses for all questions you ask as well as a affordable price, most likely you have located an auto insurance agent that is reliable enough to service your policy.

Insurance agents can help

When it comes to buying the best insurance coverage for your personal vehicles, there really isn’t a best way to insure your cars. Your situation is unique and a cookie cutter policy won’t apply.
For example, these questions can help discover whether or not you could use an agent’s help.

• Am I covered if I drive in a foreign country?
• Does my policy cover me when driving someone else’s vehicle?
• Should I pay a claim out-of-pocket?
• What is the ISO rating for a Mitsubishi Lancer?
• Should I buy additional glass protection?
• How do I buy GAP insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverage specifics

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Collision coverage

This coverage will pay to fix damage to your Lancer from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, backing into a parked car, hitting a mailbox, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible on your Lancer to bring the cost down.

Uninsured or underinsured coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Mitsubishi Lancer.

Because many people only purchase the least amount of liability that is required (15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, fire damage and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage will cover damage or injury you incur to other people or property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 15/30/5 that means you have $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical expenses, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible. California requires minimum liability limits of 15/30/5 but you should consider buying more coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for X-ray expenses, rehabilitation expenses and hospital visits. They are often used to cover expenses not covered by 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 being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Quote often and quote early

We covered many ways to get a better price on Mitsubishi Lancer insurance in San Diego. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

When searching for inexpensive San Diego auto insurance quotes, don’t be tempted to reduce coverage to reduce premium. There are many occasions where drivers have reduced liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best possible price, but do not skimp to save money.

Even more information is located in these articles:

• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• What Auto Insurance is Cheapest for Drivers Over Age 70 in San Diego? (FAQ)
• Who Has Affordable San Diego Car Insurance for Low Credit Scores? (FAQ)
• How Much is San Diego Car Insurance for a Toyota Tacoma? (FAQ)
• All About Airbag Safety (State Farm)
• Property Damage Coverage (Liberty Mutual)