Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their car insurance policy.
Lots of auto insurance companies contend to insure your vehicles, so it’s not easy to compare every insurance company to find the best rate
You should take the time to price shop coverage every six months because rates trend upward over time. Even if you got the lowest price for Lancer Evolution insurance last year you will most likely find a better rate today. There is a lot of bad information regarding car insurance on the web, but we’re going to give you a lot of great tips on how to buy car insurance cheaper.
If you currently have car insurance, you should be able to lower your premiums substantially using these tips. Finding affordable coverage is not rocket science. But drivers benefit from understanding how the larger insurance companies compete online.
There are several ways to compare rate quotes from different insurance companies. The easiest way by far to find the lowest 2011 Mitsubishi Lancer Evolution rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.
It’s your choice how you get your quotes, but make sure you use identical coverages for every quote you compare. If you compare higher or lower deductibles it will be impossible to make a fair comparison for your Mitsubishi Lancer Evolution. Quoting even small variations in limits may result in large price differences. And when comparing car insurance rates, know that getting more free quotes helps you find the best rates.
The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be asked for before they will apply.
It’s important to note that most discounts do not apply the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will cut your overall premium however.
Insurance companies that may offer these benefits may include but are not limited to:
Double check with all companies you are considering how you can save money. Some discounts may not apply in every state.
When buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. These are some specific questions might point out whether you could use an agent’s help.
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like ambulance fees, doctor visits and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as hitting a bird, fire damage, a broken windshield, damage from a tornado or hurricane and theft. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.
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 the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like crashing into a building, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.
This coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims like funeral expenses, structural damage, repair bills for other people’s vehicles, medical services and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.