Cheap 2015 Mitsubishi Lancer Evolution Insurance Rates

Looking for the cheapest insurance rates for your Mitsubishi Lancer Evolution? Cutting costs on insurance can seem to be kind of frustrating for drivers who are beginners to quoting and comparing prices online. Since there are so many insurers available, it can easily become a lot of work to find better prices.

Consumers should take time to get comparison quotes periodically because insurance prices change quite often. Just because you had the best rate on Lancer Evolution insurance a few years ago the chances are good that you can find a lower premium rate today. You can search a lot of insurance on the internet, but in just a couple of minutes you can learn the easiest ways to buy insurance cheaper.

Discounts for cheaper insurance rates

Car insurance companies do not list the complete list of policy discounts very well, so below is a list some of the best known and also the more inconspicuous discounts that you may qualify for.

• Accident-Free Discounts – Drivers with accident-free driving histories pay less when compared to frequent claim filers.
• Switch and Save Discount – Select larger companies give a discount for switching policies prior to the expiration date on your current policy. This can save 10% or more.
• Telematics Data Discounts – Drivers who elect to allow driving data submission to analyze their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they are good drivers.
• Buy New and Save – Insuring a vehicle that is new is cheaper because new vehicles keep occupants safer.
• Waiver for an Accident – This one isn’t a discount, but some insurance companies will let one accident slide before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
• Professional Memberships – Affiliation with qualifying employment or professional organizations may earn a discount on insurance.

It’s important to note that most credits do not apply the the whole policy. Most only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, you aren’t that lucky. But any discount will help reduce your overall premium however.

Some companies that may have these money-saving discounts are:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

When getting free auto insurance quotes, it’s a good idea to all companies you are considering how many discounts you can get. Depending on the company, some discounts may not be available in your area. To see insurers that offer the discounts shown above, click here to view.

Quote auto insurance online

There are several ways to compare auto insurance quotes, but there is one way that is more efficient than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes to maximize your effort.

Most major companies take part in a program that allows shoppers to send in one quote, and each participating company returns a competitive quote based on that information. This system prevents you from having to do quote forms to every company.

To find out how much you can save on auto insurance click to open in new window.

One minor caviat to doing it this way is you cannot specify which insurance companies to receive prices from. If you would rather choose from a list of companies for rate comparison, we have a listing of low cost auto insurance companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just do your best to enter the exact same coverage data with every price quote. If you compare different coverage information it will be nearly impossible to make a fair comparison for your Mitsubishi Lancer Evolution. Just slight variations in coverages may result in a large different in cost. And when comparing auto insurance rates, know that comparing more rates from different companies helps you find more affordable insurance.

How insurance providers calculate Mitsubishi Lancer Evolution insurance rates

Lots of things are part of the equation when pricing auto insurance. Some are obvious such as your driving history, but others are not quite as obvious like your vehicle usage or your vehicle rating.

Listed below are some of the items that factor into your prices.

• Cheap car insurance rates for being claim-free – If you are the type of insured that files lots of claims you shouldn’t be surprised to get higher rates. Insurance companies provide better rates to policyholders who are not frequent claim filers. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• How do annual miles impact costs? – The more you drive each year the more you’ll pay to insure your vehicle. The majority of insurers charge rates based upon how you use the vehicle. Vehicles that are left in the garage get more affordable rates than vehicles that have high annual mileage. It’s a smart idea to ensure your vehicle rating properly reflects annual mileage, because improper ratings can cost you money. Improper usage on your Lancer Evolution may be costing you.
• Save money by eliminating add-on coverages – There are a ton of extra bells and whistles that sound like a good idea at the time on your car insurance policy. Things like replacement cost coverage, death and dismemberment, and Farm Bureau memberships may be wasting your money. They may seem good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
• Liability safeguards assets – A critical coverage on your policy, liability insurance provides coverage when you are found to be at fault for damages caused by your negligence. It will provide for a legal defense up to the limits shown on your policy. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.
• Drivers with high credit save – Having a bad credit score is a big factor in your rate calculation. If your credit can be improved, you could be paying less to insure your 2015 Mitsubishi Lancer Evolution by improving your rating. People that have excellent credit tend to be more responsible than drivers who have poor credit scores.

You may need specialized car insurance coverage

When buying the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions can help discover if your situation would benefit from professional advice.

• When should I not file a claim?
• Is a blown tire covered by insurance?
• Is a fancy paint job covered?
• Do all my vehicles need collision coverage?
• What if I don’t agree with a claim settlement offer?
• Are all vehicle passengers covered by medical payments coverage?
• Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form.

Learn about auto insurance coverages for a 2015 Mitsubishi Lancer Evolution

Learning about specific coverages of auto insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Mitsubishi Lancer Evolution.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Liability insurance

This can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as legal defense fees, bail bonds, emergency aid, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Lancer Evolution from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, rolling your car, colliding with a tree, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, a broken windshield, damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like funeral costs, ambulance fees and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Save your cold hard cash

Insureds switch companies for any number of reasons including questionable increases in premium, unfair underwriting practices, poor customer service and even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

You just read a lot of information how to reduce 2015 Mitsubishi Lancer Evolution insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Drivers may discover the best price on insurance is with a small mutual company.

Low-cost 2015 Mitsubishi Lancer Evolution insurance is definitely available on the web as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get quotes online and usually these smaller providers sell through independent agents.

Other information

• Young Drivers: The High Risk Years Video (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)