Save on 2013 Mitsubishi Lancer Evolution Car Insurance Rates

Searching for cheaper auto insurance rates for your Mitsubishi Lancer Evolution? If price shopping auto insurance online is new to you, you may be confused because of the huge number of online auto insurance companies and websites offering coverage.

The quickest way to compare insurance rates from multiple companies is to realize most of the larger companies actually pay money for the chance to compare their rates. To begin a comparison, all you need to do is spend a couple of minutes providing details like distance driven, if it has an anti-theft system, whether you drive to work or school, and if a SR-22 is required. That rating information is automatically sent to many different companies and you will get price comparisons almost instantly.

To compare rates for a 2013 Mitsubishi Lancer Evolution now, click here and complete the form.

These discounts can slash auto insurance rates

Companies that sell car insurance don’t always list all their discounts very clearly, so here is a list some of the best known and also the lesser-known auto insurance savings.

  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Federal Employees – Active or retired federal employment may qualify you for a discount for Lancer Evolution coverage with select insurance companies.
  • Club Memberships – Belonging to a qualifying organization may earn a discount when shopping for auto insurance for Lancer Evolution coverage.
  • Early Signing – A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
  • Senior Discount – Older drivers may receive reduced rates for Lancer Evolution coverage.

It’s important to note that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

To see a list of insurers who offer auto insurance discounts, click here to view.

When might I need the advice of an agent?

When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

For example, these questions can aid in determining whether you could use an agent’s help.

  • Is rental equipment covered for theft or damage?
  • Am I covered when using my vehicle for business?
  • When should I not file a claim?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I afford to buy a different vehicle if my 2013 Mitsubishi Lancer Evolution is totaled?
  • Is there coverage for injuries to my pets?
  • What is UM/UIM insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Mitsubishi Lancer Evolution insurance rates consist of many parts

It’s important that you understand some of the elements that come into play when calculating the rates you pay for insurance. When you know what positively or negatively controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

  • Big city or small town – Choosing to live in a rural area is a positive aspect when talking about insurance. City drivers tend to have more traffic problems and a longer drive to work. Fewer people translates into fewer accidents and a lower car theft rate.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, social workers and financial analysts are shown to have higher average rates because of high stress levels and long work hours. Conversely, occupations like actors, engineers and homemakers pay the least for Lancer Evolution coverage.
  • Cautious drivers pay less – Drivers with clean records get better rates than bad drivers. Even one ticket may increase your cost by as much as thirty percent. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Sex matters – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes have accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • Do you know your deductibles? – Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more you’re willing to pay, the lower your rates will be for Lancer Evolution coverage.
  • High numbers of claims are not good – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies generally give cheaper rates to drivers who do not file claims often. Car insurance is intended for the large, substantial claims.
  • Marriage brings a discount – Getting married helps lower the price on insurance. Marriage translates into being more mature and it’s proven that being married results in fewer claims.
  • High credit ratings translate to low rates – Credit score is a big factor in determining your rates. If your credit rating is lower than you’d like, you could be paying less to insure your 2013 Mitsubishi Lancer Evolution by improving your credit score. People with good credit tend to be more responsible than drivers with poor credit.

Detailed coverages of your insurance policy

Understanding the coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2013 Mitsubishi Lancer Evolution.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

This coverage covers damage to your Lancer Evolution from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with another moving vehicle, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, surgery and pain medications. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

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. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like structural damage, emergency aid and funeral expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Have the Midas touch

Throughout this article, we presented many tips how you can reduce 2013 Mitsubishi Lancer Evolution insurance prices online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may even find the best price on auto insurance is with a small mutual company.

While you’re price shopping online, never reduce needed coverages to save money. There have been many situations where an insured cut physical damage coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Budget-conscious insurance is possible online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

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