2010 Mitsubishi Lancer Evolution Car Insurance Rates

Want lower auto insurance rates? Drivers have lots of choices when trying to find affordable Mitsubishi Lancer Evolution insurance. They can either waste time calling around trying to get quotes or save time using the internet to find the lowest rates. There are both good and bad ways to compare auto insurance rates and you need to know the proper way to compare rates for your Mitsubishi and locate the best price possible either online or from local insurance agents.

Consumers should take time to compare rates occasionally since insurance rates are constantly changing. Just because you had the lowest premium rates on Lancer Evolution coverage a few years ago a different company probably has better prices today. There is a lot of bad information regarding auto insurance out there, but we’re going to give you some tested techniques to quit paying high auto insurance rates.

Decisions you make can impact your insurance prices

Many factors are part of the equation when quoting car insurance. A few of the factors are predictable such as traffic violations, but some are not quite as obvious such as whether you are married or your financial responsibility.

The following are some of the factors car insurance companies consider when setting your rate level.

  • Cheaper rates for prior coverage – Driving without insurance is illegal and your next policy will cost more because you let your insurance expire. In addition to paying higher rates, not being able to provide proof of insurance can result in a license revocation or jail time.
  • Consider raising physical damage deductibles – Physical damage protection, aka comp and collision, is used to repair damage to your vehicle. Examples of covered claims are a windshield shattered by a rock, flood damage, and having your car stolen. Comp and collision deductibles tell how much you are required to spend if you file a covered claim. The more the insured has to pay upfront, the bigger discount you will receive on Lancer Evolution coverage.
  • Car insurance claims cost money – If you are a frequent claim filer, don’t be surprised to see increased rates or even have your policy non-renewed. Insurance companies provide most affordable rates to insureds who do not file claims often. Your insurance policy is intended for the large, substantial claims.
  • Urban areas may pay more – Having an address in less populated areas has it’s advantages when talking about car insurance. Lower population corresponds to lower accident rates in addition to lower liability claims City drivers have to deal with more traffic problems and higher rates of accident claims. Higher commute times statistically corresponds to a higher accident and claim rate.
  • Cautious drivers pay less – Your driving record impacts your car insurance rates tremendously. Drivers with clean records get better rates than their less careful counterparts. Even one chargable violation can bump up the cost substantially. Drivers unfortunate enough to have license-revoking tickets such as DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 form with their state DMV in order to prevent their license from being revoked.
  • Small coverages can add up – There are many optional add-on coverages that can add up on your car insurance policy. Add-on coverages like coverage for rental cars, towing, and Farm Bureau memberships are probably not needed. The coverages may be enticing when discussing your needs, but if you have no use for them get rid of them and save.
  • You might pay more if you are single – Being married may earn you lower rates on your policy. Having a spouse means you’re more mature than a single person and insurance companies reward insureds because married drivers get in fewer accidents.
  • The higher your credit score the lower your prices – Having a bad credit score can be a huge factor in calculating your premium rate. If your credit rating is not that good, you could potentially save money when insuring your 2010 Mitsubishi Lancer Evolution if you improve your credit rating. Insureds with very good credit scores tend to be better drivers and file fewer claims as compared to drivers with lower ratings.

Compare quotes for auto insurance

Lowering your 2010 Mitsubishi Lancer Evolution auto insurance rates is pretty simple and can save money. The only thing you need to do is invest a little time comparing free auto insurance quotes from online providers. This can easily be done using one of these methods.

  1. The fastest way to find low rates is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do separate quotes for each company. Completing one form will get you price quotes from many national carriers. It’s the fastest way to compare.
  2. Another way to analyze rates requires you to visit the website of each company and complete a new quote form. For examples sake, we’ll assume you want rates from Liberty Mutual, 21st Century and Progressive. You would have to visit each site to enter the same coverage data repeatedly, which can take a lot of time.

    For a list of links to companies insuring cars in your area, click here.

Whichever way you choose to compare rates, compare the same coverages and limits with each company. If your comparisons have different values for each quote it will be impossible to make an equal comparison.

Car insurance discounts help lower rates

Auto insurance companies do not advertise all disounts in an easy-to-find place, so the list below details a few of the more well known and the harder-to-find discounts that you may qualify for.

  • Payment Method – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle up can save 10% or more on the premium charged for medical payments and/or PIP.
  • Low Mileage Discounts – Keeping the miles down on your Mitsubishi can qualify you for cheaper rates.
  • New Vehicle Savings – Buying a new car model may earn a small discount due to better safety requirements for new vehicles.
  • Waiver for an Accident – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident before they charge you more for coverage as long as you don’t have any claims for a set time period.
  • Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums when getting a auto insurance quote.
  • Discounts for Multiple Vehicles – Having several vehicles on one policy qualifies for this discount.
  • Passive Restraint Discount – Options like air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
  • E-sign – Some of the larger companies will give you a small discount for signing up online.

Please keep in mind that many deductions do not apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But all discounts should help lower your premiums.

Companies and some of the premium reductions they offer are detailed below.

  • State Farm may offer discounts for driver’s education, passive restraint, good driver, defensive driving training, and multiple autos.
  • Progressive has discounts for online quote discount, multi-policy, continuous coverage, multi-vehicle, online signing, homeowner, and good student.
  • Travelers offers premium reductions for save driver, new car, early quote, driver training, hybrid/electric vehicle, and multi-car.
  • American Family offers discounts including defensive driver, bundled insurance, good driver, multi-vehicle, early bird, and mySafetyValet.
  • Liberty Mutual may have discounts that include good student, new move discount, newly retired, multi-car, hybrid vehicle, and new vehicle discount.

If you need low cost auto insurance quotes, ask each company or agent to apply every possible discount. Depending on the company, some discounts may not apply in your area. To see car insurance companies who offer discounts, click here to view.

Which is the best insurance?

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my insurance cover my expensive audio equipment?
  • Can I make deliveries for my home business?
  • Is a blown tire covered by insurance?
  • How much liability coverage do I need in my state?
  • Are my friends covered when driving my car?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Insurance coverages and their meanings

Knowing the specifics of a insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverages – Collision insurance will pay to fix damage to your Lancer Evolution resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for bills like funeral costs, surgery, dental work, prosthetic devices and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability coverage – Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits 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 property damage coverage for $25,000.

Liability insurance covers things such as structural damage, repair costs for stationary objects and medical expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, theft and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Mitsubishi Lancer Evolution.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Never pay more for less

You just read a lot of tips how to shop for 2010 Mitsubishi Lancer Evolution insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the lowest prices come from a company that doesn’t do a lot of advertising.

Lower-priced 2010 Mitsubishi Lancer Evolution insurance is possible both online and also from your neighborhood agents, and you should compare rates from both to have the best selection. There are still a few companies who do not provide online quoting and many times these smaller companies only sell through independent agents.

Insureds change insurance companies for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, extreme rates for teen drivers and even poor customer service. It doesn’t matter why you want to switch finding a new company can be pretty painless.

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