2014 Mitsubishi Lancer Evolution Car Insurance Quotes – 9 Tricks for Cheaper Rates

Looking for the cheapest insurance rates for your Mitsubishi Lancer Evolution? Are you at wits end from sacrificing other expenses to insure your Mitsubishi every month? You’re in the same situation as millions of other consumers.

Insurance companies such as Allstate, Progressive and GEICO all claim big savings, bombarding you with TV and radio ads and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

If you have car insurance now, you stand a good chance to be able to save some money using these tips. Finding the best rates is not that difficult. But car owners do need to know the way insurance companies sell online and take advantage of how the system works.

Nine discounts for cheap insurance coverage rates

The cost of insuring your cars can be expensive, but you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but a few must be manually applied prior to getting the savings. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts may get savings of more than 20%.
  • Bundle and Save – If you combine your auto and home policies and place coverage with the same company you could save over 10 percent off each policy depending on the company.
  • Military Deployment Discount – Being deployed with a military unit could be rewarded with lower prices.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
  • Drive Less and Save – Fewer annual miles on your Mitsubishi could be rewarded with discounted premium rates on garaged vehicles.
  • Discounts for Safe Drivers – Accident-free drivers may save up to 50% more on Lancer Evolution coverage compared to rates paid by drivers with frequent claims.
  • Paper-free Discount – Some insurance coverage companies will provide an incentive for buying your policy over the internet.
  • Government Employee Discount – Employees or retirees of the government can save as much as 8% on Lancer Evolution coverage depending on your insurance coverage provider.
  • Seat Belt Discounts – Drivers who require all occupants to wear their seat belts could cut 10% or more off the PIP or medical payment premium.

Discounts save money, but please remember that some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like you could get a free insurance coverage policy, it doesn’t quite work that way. Any amount of discount will lower the amount you have to pay.

Auto insurance companies that may have many of the previously listed discounts include:

If you need lower rates, check with every insurance company to apply every possible discount. Savings may not apply to policies in your area. If you would like to view insurers who offer cheap insurance coverage quotes, click here to view.

You may need specialized auto insurance coverage

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you might need professional guidance.

  • What is PIP insurance?
  • Can I afford low physical damage deductibles?
  • What if I owe more than I can insure my car for?
  • Do I need motorclub coverage?
  • How much liability coverage do I need in my state?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage options for a 2014 Mitsubishi Lancer Evolution

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. These are the normal coverages found on the average auto insurance policy.

Liability

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

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like repair costs for stationary objects, structural damage and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle, a broken windshield and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision coverage covers damage to your Lancer Evolution from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills like funeral costs, prosthetic devices, X-ray expenses, dental work and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

A penny earned…

Lower-priced insurance coverage is possible from both online companies and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance companies may not have online rate quotes and usually these regional insurance providers only sell through local independent agents.

As you quote auto insurance, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced collision coverage and discovered at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage at the best price while not skimping on critical coverages.

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