2013 Mitsubishi Lancer Evolution Insurance Rates

Want cheaper insurance coverage rates for your Mitsubishi Lancer Evolution? Comparing car insurance rates is not a chore consumers look forward to, but unfortunately it’s required before you can go for a ride.

It’s a good habit to take a look at other company’s rates yearly due to the fact that insurance rates change regularly. Even if you think you had the best rates for Lancer Evolution insurance six months ago you will most likely find a better rate today. Ignore everything you know about insurance coverage because you’re about to learn the only way to reduce your cost while improving coverage.

The quickest method we recommend to get rate comparisons utilizes the fact most of the bigger providers actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is take a few minutes to give details including how much you drive, if you’re married, driver ages, and the make and model of your vehicles. Your insurance information is instantly sent to multiple insurance providers and you should receive rate quotes with very little delay.

To check rates for your 2013 Mitsubishi Lancer Evolution, click here and enter your zip code.

Save on Mitsubishi Lancer Evolution insurance

Car insurance companies do not advertise every available discount very well, so here is a list some of the more common and also the lesser-known ways to save on car insurance.

  • Accident Free – Drivers who don’t have accidents pay less as compared to bad drivers.
  • Accident Waiver – Certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Drivers Ed for Students – Have your child complete a driver education course in high school.

Drivers should understand that most credits do not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous.

A partial list of companies that may have some of the above discounts include:

Check with each insurance company which discounts they offer. All car insurance discounts may not be available in your state.

Tailor your coverage to you

When buying the best insurance coverage, there really is no “perfect” insurance plan. Each situation is unique.

For instance, these questions might point out if you will benefit from professional help.

  • Do I need to file an SR-22 for a DUI in my state?
  • Why am I required to buy liability insurance?
  • When should my teen driver be added to my policy?
  • What are the best liability limits?
  • When can I cancel my policy?
  • Do I need added coverage for expensive stereo equipment?
  • Do I pay less if my vehicle is kept in my garage?
  • When would I need rental car insurance?
  • What if I total my 2013 Mitsubishi Lancer Evolution and owe more than it’s worth?
  • How does medical payments coverage work?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage breakdown

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

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, falling objects, damage from a tornado or hurricane, damage from getting keyed and hitting a deer. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance – This coverage can cover damage that occurs to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like medical expenses, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverages – Collision coverage covers damage to your Lancer Evolution caused by collision 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 pays for things such as sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mitsubishi Lancer Evolution.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for ambulance fees, funeral costs, chiropractic care and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Buy Smart and Save

Cheap 2013 Mitsubishi Lancer Evolution insurance is possible from both online companies in addition to many insurance agents, so compare prices from both to have the best selection. A few companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We just covered quite a bit of information on how to lower your insurance rates. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the lowest rates come from an unexpected company.

When buying insurance coverage, never reduce coverage to reduce premium. There are many occasions where an insured cut full coverage and learned later they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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