Cheap 2012 Mitsubishi Lancer Evolution Insurance Quotes

Paying for pricey Mitsubishi Lancer Evolution insurance can dwindle your bank account and force you to cut corners elsewhere. Companies like GEICO and Progressive continually bombard you with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Do you qualify for discount insurance?

Auto insurance companies don’t always list all available discounts very well, so the below list has some of the more common and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

  • Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Discount for Home Ownership – Just being a homeowner can help you save on insurance because maintaining a house is proof of financial responsibility.
  • Senior Discount – Drivers that qualify as senior citizens may be able to get a slight reduction on a auto insurance quote for Lancer Evolution insurance.
  • Club Memberships – Having an affiliation with qualifying clubs or civic groups can get you a small discount on your next insurance statement.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Early Switch Discount – A few companies offer discounts for switching companies before your current policy expires. This discount can save up to 10%.
  • No Charge for an Accident – This one is not really a discount per se, but companies like Progressive, State Farm and GEICO may permit one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.

A quick disclaimer, most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

  • State Farm discounts include multiple autos, driver’s education, Steer Clear safe driver discount, good student, defensive driving training, passive restraint, and student away at school.
  • Liberty Mutual may have discounts that include safety features, hybrid vehicle, newly retired, preferred payment discount, newly married, multi-car, and new graduate.
  • American Family offers premium reductions for accident-free, air bags, mySafetyValet, good driver, bundled insurance, Steer into Savings, and good student.
  • Progressive has savings for continuous coverage, multi-vehicle, multi-policy, online signing, and online quote discount.
  • Farmers Insurance includes discounts for mature driver, business and professional, teen driver, good student, electronic funds transfer, alternative fuel, and homeowner.
  • Auto-Owners Insurance offers discounts including company car, air bags, multiple vehicles, safe driver, paid in full, and multi-policy.
  • SAFECO may offer discounts for multi-car, homeowner, drive less, teen safe driver, safe driver, and anti-lock brakes.

It’s a good idea to ask all companies you are considering how many discounts you can get. Discounts may not apply everywhere. To see a list of insurance companies that can offer you the previously mentioned discounts, click this link.

Free car insurance rate quotes

There are multiple methods to shop for car insurance, but one way is less labor-intensive and much quicker. You can waste hours talking to agents in your area, or you can stay home and use online quoting to maximize your effort.

All the larger companies belong to an insurance system where insurance shoppers submit their information once, and each participating company returns a rated price based on that information. This eliminates the need for quote requests for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one downside to doing it this way is you can’t choose which providers to get quotes from. So if you prefer to pick specific insurance companies to compare, we put together a list of car insurance companies in your area. Click here to view list.

The approach you take is up to you, just ensure you’re using the exact same coverage limits and deductibles on every quote. If you have differing limits you will not be able to make an equal comparison.

What insurance coverages do I need?

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might help in determining whether or not you might need an agent’s assistance.

  • What is roadside assistance coverage?
  • Are rock chip repairs covered?
  • Is extra glass coverage worth it?
  • Can I afford low physical damage deductibles?
  • What is covered by UM/UIM coverage?
  • When would I need rental car insurance?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Insurance coverage basics

Having a good grasp of your insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for claims like a broken windshield, theft and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as court costs, legal defense fees, pain and suffering, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your Lancer Evolution resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, backing into a parked car, hitting a parking meter, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like nursing services, rehabilitation expenses, funeral costs, chiropractic care and surgery. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Mitsubishi Lancer Evolution.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

A penny saved is a penny earned

There are still a few companies who may not have online quoting and usually these smaller companies sell through independent insurance agents. Lower-priced 2012 Mitsubishi Lancer Evolution insurance is possible online and from local agencies, and you should be comparing both in order to have the best chance of saving money.

When searching for the cheapest auto insurance quotes, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your goal is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

We just presented a lot of ways to save on 2012 Mitsubishi Lancer Evolution insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your auto insurance rates. You may even discover the lowest rates are with a smaller regional carrier. Regional companies may only write in your state and offer lower auto insurance rates as compared to the big name companies such as Allstate or State Farm.

More information can be found at the links below