Cheap 2004 Mitsubishi Lancer Evolution Insurance Quotes

Car owners who are new to the process of comparison shopping online may find purchasing cheap auto insurance is harder than they anticipated.

It is always a good idea to get comparison quotes quite often because rates change quite often. If you had the best rate on Lancer Evolution insurance two years ago you can probably find a lower rate today. There is lot of inaccurate information about auto insurance on the web, but we’re going to give you some excellent ideas to slash your auto insurance rates.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. The purpose of this article is to familiarize you with how to effectively get price quotes and some tricks to saving. But vehicle owners must know the way companies compete online.

Free insurance quotes

When shopping for insurance there are multiple ways to obtain and compare prices from local insurance companies. The fastest way to find the cheapest 2004 Mitsubishi Lancer Evolution insurance rates is to use the internet to compare rates. This can be accomplished by using one of the methods below.

1. The first (and easiest) way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This quick form eliminates the need for separate forms for every insurance company. One form will return price quotes direct from many companies.It’s the quickest way to get rates.
2. A different way to get comparison quotes is spending the time to visit the website for each individual company to complete a price quote. For examples sake, let’s assume you want to view quotes from USAA, Farmers and Progressive. To get each rate you have to spend time going to each site individually to enter the same coverage data repeatedly, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

Whichever way you use, be certain you are entering equivalent coverage limits with every price quote. If each company quotes different deductibles it will be impossible to make a fair rate comparison. Just slight variations in coverages may result in large price differences. Just keep in mind that comparing a wide range of rates helps improve the odds of finding a lower rate. Not every company provides online price quotes, so it’s recommended that you also compare rates from the smaller companies as well.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions might help in determining if your insurance needs might need an agent’s assistance.

• Should I drop comprehensive coverage on older vehicles?
• Am I covered when driving in Canada or Mexico?
• Are split liability limits better than a combined single limit?
• When should I remove comp and collision on my 2004 Mitsubishi Lancer Evolution?
• Am I covered if I break a side mirror?
• How many claims can I have before being cancelled?
• Am I better off with higher deductibles on my 2004 Mitsubishi Lancer Evolution?
• Is my nanny covered when driving my vehicle?
• Are my tools covered if they get stolen from my vehicle?
• Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance 101

Understanding the coverages of auto insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto insurance

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, theft, hitting a bird and falling objects. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

Liability coverage protects you from damage or injury you incur to people or other property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as structural damage, repair costs for stationary objects, funeral expenses and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

This coverage will pay to fix damage to your Lancer Evolution from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, colliding with another moving vehicle, crashing into a building, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for things like ambulance fees, pain medications and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage