2012 Mitsubishi Lancer Evolution Car Insurance Quotes – 6 Tips for Cheaper Rates

Trying to find the cheapest car insurance rates for your Mitsubishi Lancer Evolution? Trying to find cheap car insurance could be nearly impossible for drivers who have little experience buying insurance online. Since there are so many insurers available, it can easily turn into a real hassle to compare prices.

Buying car insurance is quite easy. If you have car insurance now, you should be able to save some money using these tips. Although consumers must understand the way insurance companies sell online and take advantage of how the system works.

Get cheap rates with these six insurance coverage discounts

Car insurance companies do not advertise every available discount very clearly, so here is a list a few of the more common and also the lesser-known discounts you could be receiving when you buy insurance online. If you don’t get every credit possible, you are throwing money away.

• Paperwork-free – A handful of companies will give you a small discount get insurance on your computer.
• Telematics Discount – Insureds that choose to allow their insurance company to scrutinize their driving habits through the use of a telematics system like Allstate’s Drivewise might see lower rates if they are good drivers.
• Seat Belts Save – Requiring all passengers to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
• Policy Bundle Discount – If you combine your auto and home policies with one company you could get a discount of as much as 10 to 15 percent.
• Student Driver Training – Have your child take driver’s ed class as it will make them better drivers and lower rates.
• Organization Discounts – Being a member of qualifying clubs or civic groups is a good way to get lower rates on your next renewal.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works.

A few popular companies and a partial list of their discounts are shown below.

• State Farm offers discounts including good student, anti-theft, good driver, Steer Clear safe driver discount, multiple policy, defensive driving training, and safe vehicle.
• Progressive discounts include continuous coverage, homeowner, good student, multi-policy, online signing, and multi-vehicle.
• Travelers may include discounts for IntelliDrive, driver training, good student, multi-car, payment discounts, and continuous insurance.
• American Family may offer discounts for accident-free, bundled insurance, Steer into Savings, early bird, mySafetyValet, multi-vehicle, and good student.
• Liberty Mutual offers discounts for teen driver discount, preferred payment discount, exclusive group savings, good student, newly married, and new vehicle discount.

When getting free insurance quotes, it’s a good idea to every company how many discounts you can get. Some credits may not apply to policyholders in your area. To see a list of insurance companies that offer multiple discounts, click this link.

Can you really save that much by switching?

Popular car insurance providers such as Progressive, Geico, Allstate and State Farm regularly use television, radio, and online ads. They all seem to seem to make the promise about savings after switching your coverage to them. Is it even possible that every company can make almost identical claims? It’s all in the words they use.

All companies give the cheapest rates for the type of customer that earns them the highest profit. One example of a desirable insured might be over the age of 35, has had continuous coverage, and has great credit. A customer who fits those characteristics may get the lowest auto insurance rates and will probably save quite a bit of money when switching.

People who are not a match for the requirements may receive higher prices with the end result being business going elsewhere. If you pay attention, the ads say “drivers that switch” not “everyone who quotes” save that kind of money. This is how insurance companies can make those claims. Because every company is different, drivers should compare as many free insurance quotes as you can. It is impossible to predict which insurance companies will have the best rates for your profile.

Car insurance can get complicated

When choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions might point out whether you may require specific advice.

• Where can I find DUI or SR-22 insurance?
• Does insurance cover tools stolen from my truck?
• Am I covered if I hit a deer?
• Do I have coverage when pulling a U-Haul trailer?
• Should I buy additional glass protection?
• Is other people’s property covered if stolen from my vehicle?
• Does my 2012 Mitsubishi Lancer Evolution need full coverage?
• Does coverage extend to my business vehicle?
• What vehicles should carry emergency assistance coverage?
• When should I remove comp and collision on my 2012 Mitsubishi Lancer Evolution?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Insurance coverages explained

Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Mitsubishi Lancer Evolution.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, damage from a tornado or hurricane, rock chips in glass and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

This coverage provides protection from damage that occurs to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like surgery, hospital visits, nursing services and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision coverage

This coverage covers damage to your Lancer Evolution resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, driving through your garage door, damaging your car on a curb, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Quote more. Save more.

You just read quite a bit of information on how to get a better price on 2012 Mitsubishi Lancer Evolution insurance. It’s most important to understand that the more providers you compare, the better likelihood of getting affordable insurance. You may be surprised to find that the lowest priced insurance comes from a lesser-known regional company.

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced collision coverage only to find out that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Cost effective 2012 Mitsubishi Lancer Evolution insurance is possible both online in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not offer online price quotes and these small insurance companies only sell through independent insurance agents.

Even more information can be found by following these links:

• Older Driver Statistics (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)