Cheaper 2013 Mitsubishi Lancer Evolution Insurance Rates

Shoppers have a choice when shopping for the best price on Mitsubishi Lancer Evolution insurance. You can either waste hours driving around trying to get quotes or use the internet to get rate quotes. There are more efficient ways to compare insurance coverage rates and we’ll show you the absolute fastest way to price shop coverage for a Mitsubishi and find the cheapest rates from both online companies and local agents.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you should be able to save some money using this strategy. Drivers just need to learn the best way to get comparison rates online.

Eight tips to get cheaper insurance rates

Multiple criteria are used in the calculation when pricing auto insurance. Some are pretty understandable such as traffic violations, although others are not quite as obvious like where you live and annual miles driven.It’s important that you understand a few of the rating criteria that go into determining insurance rates. If you know what controls the rates you pay, this enables informed choices that could help you find lower insurance prices.

  • Deter theft and save – Buying a car with a theft deterrent system can save you some money. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms can thwart vehicle theft.
  • Costs are affected by your address – Living in areas with lower population is a positive aspect when it comes to insurance. Fewer drivers and short commutes means a lower chance of having an accident and lower theft and vandalism rates. City drivers tend to have more aggressive driving styles and higher rates of accident claims. More time commuting means more chance of being in an accident.
  • Annual mileage impacts prices – Driving a lot of miles in a year’s time the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles that sit idle most of the time can be on a lower rate level than vehicles that are driven to work every day. Double check that your policy correctly shows annual mileage. A policy that improperly rates your Lancer Evolution is throwing money out the window.
  • Discounts for multiple policies – Lots of insurance companies will give better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you already get this discount, drivers will still want to comparison shop to help ensure you have the lowest rates.There is a good possibility that you can find better rates by splitting coverages up.
  • Avoid policy lapses – Driving without insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage lapse. In addition to paying higher premiums, the inability to provide proof of insurance may result in a revoked license or a big fine.
  • Insurance costs and driver gender – The statistics show women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. Both sexes tend to get into accidents in similar percentages, but males have accidents that have higher claims. Not only that, but men also receive more major tickets like DUI and reckless driving.
  • Marriage can save on insurance – Having a spouse helps lower the price when shopping for insurance. It is viewed as being more stable financially and statistics show married drivers tend to file fewer claims.
  • Accidents increase prices – Whether or not you get tickets can have a huge impact on auto insurance premiums. Getting just one speeding ticket can bump up the cost by as much as twenty percent. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers who get flagrant tickets like DUI, reckless driving or excessive speeding may find that they have to to file a SR-22 with their state DMV in order to prevent their license from being revoked.

First Step: Get free car insurance quotes

There are a lot of ways to compare car insurance quotes, but some are easier and takes less work. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many of the larger companies participate in a marketplace that enables customers to only type in their quote data once, and every company provides a quote based on the submitted data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To use this form to compare rates click here to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which carriers to receive prices from. If you prefer to choose specific insurance companies to compare, we put together a list of car insurance companies in your area. Click to view list.

It’s up to you which method you use, but try to keep the same coverage limits and deductibles for each quote you get. If you have different liability limits then you won’t be able to determine the best price for your Mitsubishi Lancer Evolution.

Save $412 a year. For real?

Consumers can’t ignore all the ads that promise big savings for switching from companies such as Allstate and Progressive. All the companies advertise the message that you can save if you get a free auto insurance quote and switch your car insurance policy to them.

How do they all charge you less for auto insurance? This is the way they can do it.

Most companies quote their best rates for the type of driver that earns them the most money. A good example of a driver they prefer might be described as over the age of 35, has had continuous coverage, and has a high credit rating. A propective insured who matches those parameters will get low auto insurance rates as well as save if they switch.

Consumers who do not fit those standards will probably have to pay higher premiums and ends up with business going elsewhere. The wording the ads use say “drivers who switch” not “all people who quote” save that much when switching. That’s why companies can make those statements. This really drives home the point why you should compare price quotes frequently. It’s not possible to predict the company that will have the best premium rates.

More affordable rates with these car insurance discounts

Car insurance companies don’t always list every disount available in a way that’s easy to find, so here is a list a few of the more common as well as some of the hidden discounts that may be available.

  • Club Memberships – Joining certain professional organizations could qualify you for a break when getting a auto insurance quote.
  • Drivers Education – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Seat Belt Discounts – Requiring all passengers to use a seat belt can save up to 15% off PIP or medical payments premium.
  • Discount for New Cars – Buying a new car model may earn a small discount because newer models keep occupants safer.
  • Senior Discount – Older drivers are able to get a discount up to 10% for Lancer Evolution coverage.
  • Good Student – Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could save 5% or more and easily pay for the cost of the class.
  • Passive Restraint Discount – Factory options such as air bags can get savings of 20 to 30 percent.
  • Switch and Save Discount – Some larger companies give discounts for signing up early. It can save you around 10%.

As a sidenote, some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears adding up those discounts means a free policy, car insurance companies aren’t that generous.

To choose insurers with the best discounts, click here to view.

Insurance coverage can get complicated

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

  • How can I get high-risk coverage after a DUI?
  • What is an SR-22 filing?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my medical payments coverage pay my health insurance deductible?
  • How much underlying liability do I need for an umbrella policy?
  • Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Car insurance coverage basics

Understanding the coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Mitsubishi Lancer Evolution.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance

This coverage can cover damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like bail bonds, medical services and emergency aid. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, hitting a deer, theft and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

This covers damage to your Lancer Evolution resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like ambulance fees, prosthetic devices, funeral costs and pain medications. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Make an honest buck

People change insurance companies for a number of reasons such as questionable increases in premium, high rates after DUI convictions, lack of trust in their agent and policy non-renewal. Regardless of your reason, switching companies can be less work than you think.

In this article, we presented a lot of ways to reduce 2013 Mitsubishi Lancer Evolution insurance premium rates online. It’s most important to understand that the more price quotes you have, the better likelihood of getting affordable auto insurance. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.

When searching for cheaper auto insurance quotes, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, someone dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at an affordable rate.

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