Cheap 2013 Mitsubishi Lancer Evolution Insurance Rates

Trying to find cheaper auto insurance rates for your Mitsubishi Lancer Evolution? No one likes having to buy auto insurance, especially when the cost is too high. There is such a variety of insurers to buy insurance from, and although it’s nice to be able to choose, having more insurance companies makes it harder to find the best rates.

It’s a great practice to get comparison quotes periodically because insurance rates fluctuate regularly. Even if you got the best deal for Lancer Evolution coverage on your last policy a different company probably has better rates today. So just ignore everything you know about auto insurance because we’re going to show you the things you must know in order to lower your annual insurance bill.

Finding affordable coverage is quite easy. If you have a current car insurance policy or need a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. Drivers just need to learn the most effective way to compare rates on the web.

How to Compare Insurance Costs

Finding a lower price on 2013 Mitsubishi Lancer Evolution insurance doesn’t have to be difficult. The only requirement is to take a couple of minutes to compare rate quotes online with multiple companies. This can be done in several different ways.

  • The most efficient way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry for each company. A single, simple form will get you price quotes instantly.
  • Another way to get comparison quotes consists of going to each individual company website and complete a new quote form. For instance, we’ll pretend you want to compare rates from Farmers, State Farm and American Family. You would have to visit each site and enter your policy data, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

Whichever way you use, be sure to compare identical deductibles and coverage limits for each price quote. If the quotes have different liability limits it’s impossible to make an equal comparison.

These discounts can lower your rates

Companies don’t list every available discount in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known ways to save on insurance coverage. If you aren’t receiving every discount available, you are paying more than you should be.

  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for Lancer Evolution coverage with select insurance companies.
  • Claim Free – Good drivers with no accidents can save substantially compared to drivers who are more careless.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mitsubishi can earn better rates on cars that stay parked.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Driver Safety – Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Lancer Evolution coverage than less cautious drivers.
  • Own a Home – Simply owning a home may trigger a insurance coverage policy discount because of the fact that having a home demonstrates responsibility.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Memberships – Affiliation with a qualifying organization could qualify you for a break when buying insurance coverage for Lancer Evolution coverage.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So when it seems like you could get a free insurance coverage policy, it just doesn’t work that way.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Double check with all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in your area.

Mitsubishi Lancer Evolution premiums are determined by many factors

It’s important that you understand some of the elements that go into determining auto insurance rates. Knowing what determines base rates empowers consumers to make smart changes that could result in big savings.

  • Big city or small town – Living in a small town has it’s advantages when insuring your vehicles. Drivers in populated areas regularly have congested traffic and longer commutes to work. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for auto insurance? Careers like real estate brokers, social workers and dentists tend to pay the highest average rates due to stressful work requirements and lengthy work days. Other professions such as farmers, historians and performers have the lowest average rates for Lancer Evolution coverage.
  • Pleasure use or commuting – Driving more miles in a year’s time the more you will pay for auto insurance. The majority of insurers apply a rate determined by how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Lancer Evolution may be costing you. Make sure your auto insurance coverage properly reflects the proper vehicle usage.
  • Lower deductibles cost more – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mitsubishi. Some instances where coverage would apply could be a windshield shattered by a rock, damage from fire, and burglary. Your deductibles are how much you are willing to pay before your auto insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive for Lancer Evolution coverage.
  • Sex matters – Statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Women and men cause accidents at about the same rate, but men tend to have more serious accidents. Men also receive more costly citations like DUI and reckless driving.
  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage can get your license suspended and auto insurance companies will penalize you for letting your insurance expire. Not only will rates go up, getting caught without coverage might get you a hefty fine and possibly a revoked license.
  • Pay less after the wedding – Having a wife or husband helps lower the price on your policy. Having a significant other translates into being more mature and responsible it has been statistically shown that married couples file fewer claims.

Different people need different coverages

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might point out if you would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • Which companies will insure high-risk drivers?
  • Do I need an umbrella policy?
  • What companies insure drivers after a DUI or DWI?
  • Is a new car covered when I drive it off the dealer lot?
  • How do I insure my teen driver?
  • Is my 2013 Mitsubishi Lancer Evolution covered for flood damage?
  • What vehicles should carry emergency assistance coverage?
  • Am I getting all the discounts available?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance specifics

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as X-ray expenses, dental work, surgery and nursing services. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mitsubishi Lancer Evolution.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, damage from flooding, rock chips in glass and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance – This provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as court costs, medical services, legal defense fees, loss of income and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Collision coverage – This will pay to fix damage to your Lancer Evolution from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

One last thing about your coverage

Affordable 2013 Mitsubishi Lancer Evolution insurance can be sourced online and also from your neighborhood agents, and you need to price shop both to have the best selection. Some insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. In many cases, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the best price.

In this article, we covered many tips how you can save on insurance. The key concept to understand is the more you quote, the higher the chance of saving money. You may even find the biggest savings come from the least-expected company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as GEICO and State Farm.

Additional insurance coverage information can be found at these links: