Cheaper 2013 Mitsubishi Lancer Evolution Insurance Cost

Looking for better auto insurance rates for your Mitsubishi Lancer Evolution? Being forced to pay for overpriced auto insurance premiums can dry up your accounts and force you to prioritize other expenses. Comparing cost estimates can save money and help to tighten up your finances.

Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate persitently shower you with TV and radio ads and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you are paying for car insurance now, you will most likely be able to save some money using these tips. Choosing the best insurance company for you is quite easy. But drivers should learn the way companies price online insurance because it can help you find the best coverage.

How to find cheap insurance

Shopping for lower insurance rates can be exhausting if you don’t understand the easiest way. You can spend your afternoon driving to agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many popular insurance companies belong to a marketplace where insurance shoppers only type in their quote data once, and each company provides a quote based on that information. This system prevents you from having to do quote forms for every insurance company. To get comparison pricing now click here to start a free quote.

The single downside to using this type of form is you cannot specify which carriers you will receive quotes from. If you prefer to choose specific providers to compare prices, we have a page of companies who write insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure you’re using apples-to-apples deductibles and coverage limits for every company. If you compare mixed coverages it will be very difficult to make a fair comparison for your Mitsubishi Lancer Evolution. Even a minor difference in limits could throw off the whole comparison. And when quoting insurance, remember that getting more free quotes helps improve the odds of finding the best rates.

Double check you’re getting these money-saving discounts

Companies don’t list every available discount very clearly, so here is a list both well-publicized and also the more inconspicuous credits available to you.

  • Claim Free – Insureds with no claims or accidents pay less in comparison to drivers with a long claim history.
  • Accident Waiver – Not necessarily a discount, but some companies like Libery Mutual, Geico and Allstate allow you one accident without getting socked with a rate hike if your claims history is clear for a specific time period.
  • Senior Citizens – Drivers that qualify as senior citizens may receive better insurance coverage rates on Lancer Evolution insurance.
  • Safe Drivers – Safe drivers can save up to 40% or more on their car insurance quote on Lancer Evolution insurance than their less cautious counterparts.
  • Discount for Passive Restraints – Factory air bags may qualify for discounts as much as 30%.
  • Seat Belts Save – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Employee of Federal Government – Active or former government employment may reduce rates when you quote car insurance on Lancer Evolution insurance depending on your insurance coverage provider.
  • Lower Rates for Military – Having an actively deployed family member could mean lower premium rates.
  • Sign Online – Some companies give back up to $50 for buying your policy on the web.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic. Any amount of discount will help reduce the cost of your policy.

For a list of insurance companies with the best insurance coverage discounts, click here.

Seven tips to get lower-cost insurance rates

Consumers need to have an understanding of the factors that are used to determine your premiums. When you know what positively or negatively determines base rates, this helps enable you to make changes that will entitle you to lower rates. Many factors are used when pricing auto insurance. Most are fairly basic such as your driving record, but some are more obscure such as whether you are married or your vehicle rating.

Listed below are some of the most rate-impacting factors used by companies to determine your rate level.

  • Consolidate policies with the same company – Most major companies apply lower prices to clients who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to shop around to make sure you are getting the best deal. Consumers may save more without the discount by splitting coverages up.
  • Five star safety rating saves money – Cars with high safety ratings can get you lower premiums. Safer cars have better occupant injury protection and any reduction in injury severity means your insurance company pays less and more competitive rates for policyholders. If your Mitsubishi Lancer Evolution is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Eliminate unneeded extra coverages – Insurance companies have many optional add-on coverages that sound like a good idea at the time if you don’t pay attention. Insurance for things like vanishing deductibles, death and dismemberment, and term life insurance may be wasting your money. You may think they are a good idea when deciding what coverages you need, but now you might not need them so eliminate the coverages to reduce your premium.
  • Gals tend to take less risk – Statistics demonstrate that men are more aggressive behind the wheel. It does not mean men are WORSE drivers than women. Women and men are in at-fault accidents in similar percentages, but the men have costlier accidents. Men also tend to receive more major tickets like reckless driving and DUI. Young men ages 16 to 20 are several times more likely to be in an accident and therefore have the most expensive insurance coverage rates.
  • Low comp and collision deductibles can be expensive – Coverage for physical damage, also called ‘full coverage’, insures against damage to your Mitsubishi. Examples of some claims that would be covered could be a broken windshield, hail damage, and windstorm damage. Your deductibles are the amount of money you are required to pay if a claim is determined to be covered. The higher the amount the insured has to pay upfront, the less your insurance coverage will be on Lancer Evolution insurance.
  • Younger drivers pay higher premiums – Older drivers tend to be more responsible, are lower risk to insure and tend to be get fewer driving tickets.Teenage drivers have a tendency to be inattentive and easily distracted when driving with friends and because of this, their insurance coverage rates are much higher.
  • Vocation impacts prices – Do you have a high-stress occupation? Careers such as military generals, business owners and emergency personnel generally have the highest average rates in part from intense work situations and lots of time spent at work. On the flip side, jobs such as actors, engineers and homemakers receive lower rates on Lancer Evolution insurance.

Do I need special coverages?

When it comes to buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. For example, these questions might help in determining whether your personal situation will benefit from professional help.

  • Am I covered if I break a side mirror?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered if I crash into my own garage door?
  • What is roadside assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my custom paint covered by insurance?
  • Why is insurance for a teen driver so high?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When can I cancel my policy?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage specifics

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by car insurance companies.

Uninsured or underinsured coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your 2013 Mitsubishi Lancer Evolution.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Comprehensive protection – This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, hitting a bird and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance – This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as legal defense fees, attorney fees and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like surgery, X-ray expenses, chiropractic care, prosthetic devices and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverages – Collision insurance covers damage to your Lancer Evolution resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, damaging your car on a curb, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Online plus local equals savings

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at an affordable rate while still protecting your assets.

Low-cost 2013 Mitsubishi Lancer Evolution insurance is attainable both online and from local agencies, so you need to quote car insurance with both to have the best rate selection. Some car insurance companies may not provide the ability to get quotes online and usually these small insurance companies prefer to sell through independent agents.

Additional detailed information can be found in the articles below: