2015 Mitsubishi Lancer Evolution Insurance Cost

Wish you could get out of an overpriced auto insurance policy? You’re in good company because there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Consumers have multiple insurance companies to pick from, and although it’s nice to have a choice, having more car insurance companies makes it harder to compare rates and find the lowest cost auto insurance.

Consumers need to compare rates quite often because insurance rates tend to go up over time. Just because you had the lowest premium rates for Lancer Evolution coverage two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to show you the only way to properly buy coverages and cut your premium.

Shopping for affordable protection is not that difficult. Basically, anyone who is shopping for auto insurance stands a good chance to be able to find better rates. Although vehicle owners must know the methods companies use to sell insurance online and apply this information to your search.

How to get free car insurance quotes online

Comparing car insurance rates can take hours if you don’t utilize the most efficient way. You could waste time talking about coverages with local insurance agents in your area, or you can stay home and use online quotes for quick rates.

Many companies participate in an industry program where insurance shoppers submit one quote, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating quotation requests to every company.

To submit your quote information now, click here to start a free quote.

One minor caviat to using this type of system is that consumers can’t choose which providers to receive prices from. So if you want to choose specific providers to compare, we have a page of car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just double check that you are using identical coverages and limits for each price quote. If you compare differing limits then you won’t be able to truly determine the lowest rate. Even a minor difference in insurance coverages or limits could skew the results. It’s important to know that more quotes helps improve the odds of finding a lower rate than you’re paying now. Some companies don’t provide online quotes, so it’s important to compare quotes from them as well.

Lower rate quotes with discounts

Insurance can cost an arm and a leg, but you may be missing some discounts that can dramatically reduce your bill. Most are applied at quote time, but occassionally some discounts must be manually applied prior to receiving the credit.

  • Student Discounts – This discount may save you up to 25%. This discount can apply well after school through age 25.
  • Lower Rates for Military – Being deployed in the military could be rewarded with lower rates.
  • Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
  • Claim-Free Discount – Claim-free drivers can save substantially in comparison with policyholders that have many claims.
  • Discounts for New Vehicles – Buying insurance on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Homeowners Pay Less – Owning your own home or condo can earn you a little savings because owning a home is proof that your finances are in order.

One last thing about discounts, some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

Companies that have some of the discounts shown above include:

Before you buy a policy, ask all companies you are considering to give you their best rates. Depending on the company, some discounts may not apply to policies in every state.

Eight tips to get cheap insurance prices

Lots of factors are part of the calculation when premium rates are determined. Some are obvious such as traffic violations, but others are less obvious such as your marital status or how safe your car is.Smart consumers have a good feel for some of the things that come into play when calculating your premiums. If you have some idea of what determines base rates, this enables you to make decisions that can help you get much lower annual insurance costs.

The following are some of the factors companies use to determine rates.

  • What are good liability coverage limits? – Liability coverage will provide protection when you are responsible for damages caused by your negligence. Liability provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Responsible drivers have lower premiums – Having just one citation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers who have careless violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent their license from being revoked.
  • Rates also based on gender – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Women and men tend to get into auto accidents in similar numbers, but the male of the species have accidents that have higher claims. In addition to higher claims, males also receive more costly citations like driving under the influence (DUI).
  • Marriage discount – Your spouse actually saves money on your auto insurance bill. Having a spouse generally demonstrates drivers are more mature and responsible and statistics prove drivers who are married are more cautious.
  • How your age affects costs – Inexperience drivers have been known to be careless and easily distracted when driving with friends therefore auto insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, tend to file fewer claims .
  • Lower premiums by staying claim free – If you file claims often, you can pretty much guarantee much higher rates or policy non-renewal. Car insurance companies give lower rates to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of larger claims.
  • Costs are affected by your address – Being located in a small town is a positive aspect when trying to find low car insurance rates. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated areas regularly have more auto accidents and longer commute times. More time behind the wheel means more chance of being in an accident.
  • Prevent theft and save – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.

What is the best insurance coverage coverage?

When choosing adequate coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions could help you determine if your situation could use an agent’s help.

  • Do I have coverage when using my vehicle for my home business?
  • Where can I find DUI or SR-22 insurance?
  • Does my 2015 Mitsubishi Lancer Evolution need full coverage?
  • Is my camper covered by my car insurance policy?
  • Should I buy only the required minimum liability coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

The largest companies are not always cheapest

Respected companies like State Farm, Geico and Progressive continually stream ads in print and on television. All the companies tend to make the same promise about saving some big amount if you move to them. How can each company charge less that you’re paying now?

Many companies have underwriting criteria for the type of driver that will not have excessive claims. An example of a desirable risk may need to be married and over the age of 30, owns a home, and has excellent credit. Anybody that hits that “sweet spot” is entitled to the best price and therefore will save some money.

Drivers who do not match these stringent criteria will be quoted higher premium rates and ends up with business not being written. The wording the ads use say “customers who switch” not “everyone that quotes” can save as much as they claim. That’s the way companies can truthfully advertise the savings.

Because of these techniques, you should compare free insurance coverage quotes often. It is impossible to guess which company will fit your personal profile best.

Coverage specifics

Knowing the specifics of insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Medical expense coverage

Med pay and PIP coverage kick in for bills for doctor visits, X-ray expenses, EMT expenses, hospital visits and surgery. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Coverage for liability

This coverage protects you from damages or injuries you inflict on other’s property or people. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as loss of income, medical expenses, attorney fees and medical services. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Mitsubishi Lancer Evolution.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Collision coverage

Collision insurance pays for damage to your Lancer Evolution resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, a tree branch falling on your vehicle, vandalism and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage on a shoestring budget

Some insurance providers may not have rates over the internet and most of the time these small insurance companies only sell through independent insurance agencies. Lower-priced 2015 Mitsubishi Lancer Evolution insurance can be sourced both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where someone dropped uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage for the lowest cost.

Much more information about insurance coverage can be found at these links: