Cheapest Mitsubishi Lancer Insurance in Seattle

Discount Mitsubishi Lancer insuranceHow many times have you said it’s time to compare more competitive Mitsubishi Lancer insurance in Seattle? Being forced to pay for pricey auto insurance premiums can dry up your budget, especially in this economy. Comparing cost estimates is free, only takes a few minutes, and is a good way to ensure you are getting the best deal.

Unthinkable but true, a large majority of auto insurance policyholders kept their policy with the same company for well over three years, and nearly half have never compared quotes from other companies. Washington insurance shoppers can cut their rates by $430 a year by just comparing quotes, but they don’t believe the amount of savings they would get if they swap their current policy for a cheaper one. There are many insurers to buy insurance from, and even though it’s nice to have a choice, it can be more difficult to find the best rates for your vehicles.

You need to take a look at other company’s rates on a regular basis due to the fact that insurance prices go up and down regularly. Despite the fact that you may have had the lowest price on Mitsubishi Lancer insurance in Seattle two years ago there is a good chance you can find better rates now. There is a lot of wrong information about Lancer insurance on the web, but I’m going to show you some great ways to find affordable auto insurance in Seattle.

Low-cost car insurance in Seattle, WA

The following companies provide free rate quotes in Seattle, WA. If more than one company is shown, we recommend you visit two to three different companies in order to find the most competitive rates.

Mitsubishi Lancer Insurance Costs in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lancer DE $136 $278 $310 $18 $92 $834 $70
Lancer ES $238 $364 $386 $22 $116 $1,126 $94
Lancer GTS $228 $482 $356 $22 $106 $1,194 $100
Lancer Sportback GTS $310 $610 $300 $18 $90 $1,328 $111
Lancer RALLIART $168 $364 $334 $20 $100 $986 $82
Lancer Sportback Ralliart $270 $584 $278 $16 $82 $1,230 $103
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can impact price quotes greatly.

How high should deductibles be?

The diagram below illustrates how your deductible choice and can change Mitsubishi Lancer insurance costs for different categories of driver ages. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Cost comparison with and without full coverage

The chart below visualizes the comparison of Mitsubishi Lancer insurance costs when comparing full coverage to liability only. The premium estimates are based on no violations or claims, $1,000 deductibles, married male driver, and no discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive guideline of when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s say your Mitsubishi Lancer settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after you pay the deductible. If you are paying more than $200 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Impact of speeding/accidents on car insurance rates

The illustration below demonstrates how citations and accident claims can influence Mitsubishi Lancer yearly insurance costs for different insured age categories. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Discounts can help to save on Mitsubishi Lancer insurance in Seattle

Car insurance can cost a lot, but you might find some hidden discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically when you get a quote, but some must be asked for prior to getting the savings.Cheaper auto insurance with discounts

As a sidenote, most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like you can get free auto insurance, you’re out of luck.

The best auto insurance companies and some of their more popular discounts are shown below.

When quoting, ask each company or agent to give you their best rates. Some discounts listed above might not be offered on policies in your state. To find insurance companies offering auto insurance discounts in Washington, click here to view.

Seattle Insurance Rates are Influenced by These Factors

Many different elements are considered when you get your auto insurance bill. Some factors are common sense like an MVR report, but others are more transparent like where you live and annual miles driven. It’s important that you understand some of the elements that aid in calculating insurance rates. If you have some idea of what determines premiums, this helps enable you to make changes that could result in cheaper rates.

The following are most of the major factors insurance companies consider when setting premiums.

Everyone needs different car insurance coverages

Always keep in mind that when comparing your policy, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and your car insurance should unique, too.Car insurance savings
Here are some questions about coverages that might help in determining if your insurance needs could use an agent’s help.

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Independent versus exclusive insurance agents

Many people still prefer to buy from a local agent and that is not a bad decision Agents can answer important questions and help file insurance claims. One of the great benefits of price shopping on the web is that you can find lower rates but also keep your business local. Buying from small agencies is still important in Seattle.

Find insurance agent in SeattleTo make it easy to find an agent, after completing this short form, your insurance coverage information is submitted to local insurance agents in Seattle that can provide free Seattle auto insurance quotes for your insurance coverage. There is no reason to leave your computer since price quotes are sent to your email. In the event you want to quote rates from a particular provider, don’t hesitate to navigate to their website and give them your coverage information.

If you want to use an insurance agent, there are a couple of different types of agents and how they can quote your rates. Agents can be categorized as either exclusive agents or independent agents. Both insure your vehicles, but it is a good idea to know the differences because it can impact which type of agent you select.

Independent Agents

Agents that elect to be independent are normally appointed by many insurers so they can quote policies through many companies and find you cheaper rates. To move your coverage to a new company, they simply move your policy to a different company and that require little work on your part.

When searching for an agent, you should always get several quotes from multiple independent agents in order to have the best price comparison.

Below is a partial list of independent agencies in Seattle that can possibly get you free insurance quotes.

2414 SW Andover StSeattle, WA 98106(206) 937-4613View Map

265 NE 45th StSeattle, WA 98105(206) 783-4024View Map

3424 W McGraw StSeattle, WA 98199(206) 284-4886View Map

More Seattle agents

Exclusive Agents

These agents can only provide pricing for a single company and examples are AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot compare rates from other companies so it’s a take it or leave it situation. They are usually quite knowledgeable on sales techniques and that allows them to sell at a higher price point.

The following are exclusive insurance agents in Seattle that can give you rate quotes.

1530 Westlake Ave N Suite 100Seattle, WA 98109(206) 971-5400View Map

929 N 130th St #5Seattle, WA 98133(206) 361-3770View Map

7104 Greenwood Ave NSeattle, WA 98103(206) 784-6560View Map

More Seattle agents

Choosing the best insurance agent requires more thought than just the premium amount. The following questions are important to ask.

Car insurance in the media

Consumers in Washington can’t escape the ads that claim the lowest rates by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that drivers can save some big amount if you change your coverage.

Is it even possible that every company can make the same claim? This is how they do it.

Many companies quote their best rates for the type of customer that earns them the most money. For example, a profitable insured might be described as a female over age 40, has other policies, and drives a car with an anti-theft system. Any driver who meets those qualifications will get very good Seattle prices and therefore will save money with a new company.

Drivers who don’t meet the ideal profile may receive higher premium rates which translates to the customer buying from someone else. The trick companies use is to say “drivers who switch” not “all people who quote” save that much when switching. That’s why insurance companies can make claims like that.

Different companies use different criteria so it’s extremely important to compare free Seattle auto insurance quotes often. Because without a comparison, you cannot know with any certainty which company will have the best prices at this point in time.

Keep this in mind when shopping around

When searching for low cost Seattle auto insurance quotes, it’s not a good idea to reduce needed coverages to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. The goal is to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

You just read some good ideas how you can find affordable Mitsubishi Lancer insurance in Seattle. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the biggest savings come from a small mutual company. These smaller insurers often have lower car insurance rates on specific markets than the large multi-state companies such as Progressive and GEICO.

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