2013 Mitsubishi Lancer Evolution Insurance Rates

Want lower insurance rates for your Mitsubishi Lancer Evolution? Have you fallen victim to an underperforming, overpriced insurance policy? Don’t feel bad because there are lots of people in the same boat. Big companies like Allstate, Progressive and GEICO continually bombard you with ad campaigns and it is difficult to see through the deception and find the best price available.

You should make it a habit to check insurance prices periodically due to the fact that insurance prices change frequently. Despite the fact that you may have had the best deal for Lancer Evolution coverage two years ago you may be paying too much now. Ignore everything you know about insurance because you’re about to learn the quickest way to save on insurance.

If you have insurance now or are looking for a new policy, you can follow these tips to get lower rates and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers only need to know the proper way to compare rates on the web.

Lower-cost insurance rates with discounts

Some providers don’t necessarily list all possible discounts very clearly, so the below list has some of the best known as well as the least known discounts you could be receiving when you buy insurance online. If you check and find you aren’t receiving every discount you qualify for, you are paying more than you should be.

Auto/Home Discount – If you have multiple policies and insure them with the same company you may earn at least 10% off all policies.
Multiple Vehicles – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may qualify for discounts as much as 30%.
No Charge for an Accident – but some companies like State Farm and Progressive will let one accident slide without raising rates so long as you haven’t had any claims for a specific time period.
Student Driver Training – Have your child take driver’s ed class as it will make them better drivers and lower rates.
Theft Deterent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and that can save you a little bit as well.
Driver Safety – Participating in a defensive driver class could cut 5% off your bill and easily pay for the cost of the class.
Good Drivers – Drivers who avoid accidents may receive a discount up to 45% for Lancer Evolution coverage as compared to drivers with claims.
Good Student Discount – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
Home Ownership Discount – Just being a homeowner can help you save on insurance because owning a home requires a higher level of personal finance.

While discounts sound great, it’s important to understand that many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, you aren’t that lucky.

Some companies who might offer these money-saving discounts may include but are not limited to:

Before buying, ask every insurance company to apply every possible discount. All car insurance discounts might not be available to policyholders everywhere. If you would like to choose from a list of providers with discount rates, click here to view.

How to compare insurance coverage rate quotes

Comparing insurance coverage rates can be a lot of work if you don’t understand the most efficient way to do it. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use online quoting for quick rates.

Most of the best insurance companies participate in an industry program that enables customers to enter their policy data once, and each company can provide price quotes for coverage. This prevents consumers from doing quotation requests to each company. To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to getting quotes like this is buyers cannot specifically choose which companies you want to price. If you prefer to choose from a list of companies to compare rates, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you are comparing apples-to-apples deductibles and coverage limits on every quote you get. If your comparisons have higher or lower deductibles it’s impossible to truly determine the lowest rate.

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Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining if you might need an agent’s assistance.

At what point should I drop full coverage?
Am I covered if my car is in a flood?
Can I still get insurance after a DUI?
What can I do if my company denied a claim?
Do I benefit by insuring my home with the same company?
Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages 101

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages available from car insurance companies.

Comprehensive or Other Than Collision – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, fire damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This covers damage to your Lancer Evolution resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, rolling your car, crashing into a building, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for ambulance fees, rehabilitation expenses, funeral costs, chiropractic care and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mitsubishi Lancer Evolution.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Liability car insurance – This will cover damage that occurs to other’s property or people. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as pain and suffering, legal defense fees, medical expenses, attorney fees and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

A little work can save a LOT of money

We just presented a lot of ways to shop for 2013 Mitsubishi Lancer Evolution insurance online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest rates are with the smaller companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.

Low-cost 2013 Mitsubishi Lancer Evolution insurance can be sourced both online in addition to local insurance agencies, and you need to price shop both to have the best selection. There are still a few companies who do not offer online quoting and many times these small, regional companies work with independent insurance agents.

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