Affordable Mitsubishi Lancer Insurance in Aurora

A study showed that the vast majority of insurance customers kept their coverage with the same insurance company for at least four years, and nearly half have never even compared quotes to find lower-cost rates. Most drivers in Aurora could cut their rates by up to $605 a year just by getting comparison quotes, but they don’t believe the amount of savings they would get if they switched.

Discount Mitsubishi Lancer insuranceThe best way to get cheaper Mitsubishi Lancer insurance in Aurora is to start comparing rates regularly from insurance carriers in Colorado.

A good piece of advice is to use identical deductibles and limits on each price quote and and to get prices from as many carriers as you can. This provides an apples-to-apples comparison and a complete selection of prices.

Locating the best insurance company for you in Aurora is really not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to lower your rates using the ideas presented in this article. Consumers just have to understand the most efficient way to get comparison quotes using one simple form.

All major car insurance companies allow consumers to get price estimates on the web. Getting Mitsubishi Lancer insurance prices online is pretty painless as you simply enter the coverages you want as detailed in the form. When complete, their system makes automated requests for credit information and your driving record and gives you a price quote determined by many factors. Being able to quote online for Mitsubishi Lancer insurance in Aurora makes it easy to compare insurance prices and it is imperative to have as many quotes as possible if you want to get lower-cost prices.

In order to compare rates using this form now, compare rates from the companies below. To compare your current rates, we recommend you complete the form with deductibles and limits as shown on your current policy. Doing this guarantees you will have a rate comparison based on similar coverages.

The companies shown below can provide quotes in Aurora, CO. To get cheap auto insurance in CO, we recommend you visit two to three different companies to get a more complete price comparison.

Analysis of coverages

The rate information shown below outlines a range of prices for Mitsubishi Lancer models. Understanding more about how insurance policy premiums are formulated can benefit drivers when making decisions on which coverage to buy.

Mitsubishi Lancer Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Lancer DE $214 $426 $368 $22 $110 $1,140 $95
Lancer ES $214 $426 $368 $22 $110 $1,140 $95
Lancer GTS $238 $490 $368 $22 $110 $1,228 $102
Lancer Sportback GTS $238 $490 $368 $22 $110 $1,228 $102
Lancer RALLIART $264 $554 $368 $22 $110 $1,318 $110
Lancer Sportback Ralliart $264 $554 $368 $22 $110 $1,318 $110
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific garaging location which can revise coverage prices substantially.

Car insurance rates based on gender

The diagram below visualizes the comparison of Mitsubishi Lancer premium costs for male and female drivers. The rates are based on no claims or driving citations, full physical damage coverage, $1,000 deductibles, single status, and no policy discounts are applied.

Rate difference between full and liability-only coverage

The chart below illustrates the comparison of Mitsubishi Lancer insurance prices with full coverage compared to only the Colorado minimum liability coverage. The premiums assume no claims or violations, $250 deductibles, drivers are single, and no additional discounts are factored in.

When to stop paying for full coverage

There is no specific rule for excluding full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Mitsubishi Lancer book value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying your deductible. If you are paying in excess of $600 a year for full coverage, then you may want to consider only buying liability coverage.

There are a few cases where removing full coverage is not advised. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

How do Insurance Companies Determine Mitsubishi Lancer Insurance Premiums?

Lots of things are part of the equation when you get a price on insurance. Some factors are common sense like your driving record, but other factors are more obscure such as your credit history or your commute time.

The list below includes most of the major factors used by your company to calculate your premiums.

Three reasons insurance is important

Even though it’s not necessarily cheap to insure a Mitsubishi in Aurora, buying insurance is required in Colorado but also provides important benefits.

The benefits of buying insurance definitely exceed the cost, especially with large liability claims. Today the average American driver is overpaying more than $700 annually so it’s recommended you shop around at every policy renewal to help ensure money is not being wasted.

Best auto insurance in Aurora

Buying coverage from the right auto insurance company can be challenging considering how many different companies sell coverage in Aurora. The ranking data in the next section could help you decide which auto insurance companies you want to consider comparing price quotes from.

Aurora, Colorado Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies