Cheapest 2006 Mitsubishi Lancer Evolution Insurance Rates in 2023
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UPDATED: Jun 3, 2023
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Looking for cheaper insurance coverage or affordable Mitsubishi evo quotes? I can’t think of a single person who looks forward to paying for 2006 Mitsubishi Lancer Evolution Car Insurance coverage, especially when their premiums are through the roof. Having so many choices of insurance companies, it can be impossible to pick the most cost-effective car insurance company.
Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate persistently shower you with ads, and it can be hard to see through the deception and do the work needed to find the best deal.
If you have car insurance now, you stand a good chance of being able to cut costs considerably using these methods. Choosing the best insurance company for you is quite easy. Nevertheless, drivers do need to know how insurance companies price online insurance and use this information to your advantage.
Compare the Market for 2006 Mitsubishi Lancer Evolution Car Insurance Coverage
There are a couple of different ways to compare rate quotes from local insurance coverage companies. By far, the easiest way to find competitive 2006 Mitsubishi Lancer Evolution insurance rates consists of shopping online. This can be accomplished using a couple of different methods.
The recommended way to find the lowest comparison rates would be an industry-wide quote request form. Click here to open the form. This type of form prevents you from having to do separate forms for each company. In just a few minutes, this one form gets you price quotes from several companies.
A harder way to find lower rates requires a trip to the website for every company you want to compare to complete a price quote. For example, we’ll pretend you want comparison quotes from State Farm, Liberty Mutual and GEICO. To get each rate, you have to visit each site to enter your coverage information, which is why the first method is quicker.
However, when you get your quotes, double check that you are using identical coverage and limits for each price quote. If you compare unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Mitsubishi Lancer Evolution. Having just a slight variation in coverage can make a big difference in price. Keep in mind that comparing more company’s prices will enable you to find a lower rate.
Don’t listen to company ads
Car insurance companies such as State Farm and Allstate regularly use ads in print and on television. They all seem to make an identical promise about savings if you move to their company. How can each company make almost identical claims?
All different companies can use profiling for the type of customer that makes them money. An example of a driver they prefer could be someone over the age of 40, has no tickets, and drives newer vehicles. A prospective insured that hits that “sweet spot” will get very good rates and therefore will pay quite a bit less when switching companies.
Consumers who don’t qualify for the requirements will be charged higher prices and this can result in business going elsewhere. The ads state “customers that switch” but not “drivers who get quotes” save that much. That is how companies can provide the savings.
That is why you should compare as many rates as you can. It is impossible to predict which insurance company will give you the biggest savings on Mitsubishi Lancer Evolution insurance.
Discounts are great for lower 2006 Mitsubishi Lancer Evolution Car Insurance rates
Insuring your vehicle can cost a lot, but there are discounts available to help offset the cost. Some trigger automatically at the time of quoting, but some may not apply and must be specifically requested before they will apply.
- Bundle and Save – When you combine your home and auto insurance with one insurance company, you may save up to 20% off your total premium.
- Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- Own a Home – Being a homeowner can help you save on insurance coverage because maintaining a house shows financial diligence.
- Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
- No Accidents – Drivers with accident-free driving histories pay less compared to bad drivers.
Keep in mind that some credits don’t apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will cut your overall premium, however.
Car insurance companies that possibly offer some of the above discounts may include, but are not limited to:
- The Hartford
- State Farm
Double check with every prospective company which discounts you may be entitled to. All car insurance discounts may not be available in every state.
You may need specialized 2006 Mitsubishi Lancer Evolution Car Insurance coverage
When choosing proper insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverage that may help highlight whether your personal situation will benefit from professional help.
- Can I afford to buy a different vehicle if my 2006 Mitsubishi Lancer Evolution is totaled?
- Do I need more liability coverage?
- How do I file an SR-22 for a DUI in my state?
- What is PIP insurance?
- Is a blown tire covered by insurance?
- What is medical payment’s coverage?
- Can I drive in Mexico and have coverage?
If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent.
Insurance coverage specifics
Knowing the specifics of a insurance policy aids in choosing which coverage you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can be changed by endorsement. Below you’ll find typical coverages offered by insurance companies.
Comprehensive coverage (or Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible, then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like falling objects, a broken windshield, theft, damage from getting keyed and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as rehabilitation expenses, X-ray expenses, dental work and surgery. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payment’s coverage.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists 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.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Liability – This can cover damage that occurs to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for things like court costs, attorney fees, bail bonds, medical expenses and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.
Collision coverage – This covers damage to your Lancer Evolution resulting from colliding with an object or car. A deductible applies, then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as colliding with another moving vehicle, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage for vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.
2006 Mitsubishi Lancer Evolution Car Insurance: The Bottom Line
You just learned a lot of ways to compare 2006 Mitsubishi Lancer Evolution insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with some lesser-known companies. Smaller companies may only write in your state and offer lower rates as compared to the big – name companies such as Progressive and GEICO.
Cheap insurance is definitely available both online and with local insurance agents, so you should compare both to have the best rate selection. A few companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.
Frequently Asked Questions
How can I find the cheapest auto insurance rates for a 2006 Mitsubishi Lancer Evolution in 2023?
To find the cheapest auto insurance rates for a 2006 Mitsubishi Lancer Evolution in 2023, you can use online quote comparison tools. One recommended method is to fill out an industry-wide quote request form, which allows you to receive price quotes from several companies at once. Another option is to visit the websites of different insurance companies and complete a price quote form for each one. When comparing rates, make sure to use identical coverage and limits for each quote to get an accurate comparison.
Why do car insurance companies make similar claims about savings in their ads?
Car insurance companies often make similar claims about savings in their ads because they target specific customer profiles that are more profitable for them. Each company has its own ideal customer profile, such as drivers over the age of 40 with a clean driving record and newer vehicles. These customers are more likely to receive lower rates and save money when switching companies. However, it’s important to compare rates from multiple companies to find the one that offers the biggest savings for your specific circumstances.
What discounts are available to lower 2006 Mitsubishi Lancer Evolution car insurance rates?
There are various discounts available that can help lower your 2006 Mitsubishi Lancer Evolution car insurance rates. Some discounts may be applied automatically when you request a quote, while others may need to be specifically requested. Examples of potential discounts include safe driver discounts, multi-policy discounts (if you have other insurance policies with the same company), and good student discounts. It’s important to check with each prospective insurance company to see which discounts you may qualify for.
Do I need specialized insurance coverage for my 2006 Mitsubishi Lancer Evolution?
The insurance coverage you need for your 2006 Mitsubishi Lancer Evolution depends on your specific circumstances. There is no one-size-fits-all coverage plan, and your policy should reflect your individual needs. To determine the right coverage for you, consider factors such as your driving habits, the value of your vehicle, and your personal financial situation. If you’re unsure about the coverage you need, it may be helpful to consult with an insurance agent who can provide professional advice based on your situation.
What are the typical coverages offered by insurance companies for a 2006 Mitsubishi Lancer Evolution?
Insurance companies typically offer several types of coverage for a 2006 Mitsubishi Lancer Evolution. These may include:
- Comprehensive coverage: This pays for damage to your vehicle that is not caused by a collision, such as theft, vandalism, or natural disasters.
- Medical payments and Personal Injury Protection (PIP) insurance: These cover immediate medical expenses for injuries sustained in a car accident, regardless of who is at fault.
- Uninsured/underinsured motorist insurance: This coverage protects you if you’re involved in an accident with a driver who has no insurance or insufficient insurance to cover your damages.
- Liability coverage: This covers damage or injuries you cause to others in an accident. It includes bodily injury liability (per person and per accident) and property damage liability.
- Collision coverage: This pays for damage to your vehicle caused by a collision with another vehicle or object.
It’s important to review the specifics of each coverage type and determine which ones are necessary based on your needs and preferences.
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