2008 Mitsubishi Endeavor Car Insurance Rates

Online price comparisons for affordable insurance coverage can be difficult if you are someone who has never done online price comparisons. Don’t let that stop you because there is an easy way to compare rates.

It is always a good idea to check insurance coverage prices once or twice a year because insurance coverage prices are rarely the same from one policy term to another. Even if you got the lowest quotes on Endeavor insurance at your last renewal the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because we’re going to demonstrate one of the easiest ways to find better coverage at a better price.

How to lower your insurance costs

Consumers need to have an understanding of the rating factors that come into play when calculating car insurance rates. If you have some idea of what determines premiums, this empowers consumers to make smart changes that may result in lower rates.

Shown below are some of the factors used by companies to determine your premiums.

  • City dwellers may pay more – Having an address in less populated areas of the country can save you money when buying car insurance. People in densly populated areas have traffic congestion and longer commutes to work. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
  • Your job and car insurance rates – Did you know your occupation can influence how much you pay for car insurance? Careers like military personnel, social workers and medical professionals generally pay higher rates than the rest of us because of high stress levels and extremely grueling work hours. On the flip side, jobs like professors, athletes and retirees pay the least on Endeavor insurance.
  • Getting married can lower prices – Getting married may earn you lower rates compared to being single. Marriage demonstrates that you tend to be more mature and responsible and insurance companies like that married drivers get in fewer accidents.
  • Liability protection is peace of mind – Liability insurance will afford coverage if ever a jury decides you are liable for personal injury or accident damage. Liability provides for a legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Save by driving safer cars – Vehicles with high crash test scores get lower rates. The safest vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and cheaper rates on your policy. If your Mitsubishi scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Lower prices with alarms and GPS tracking – Choosing to buy a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft.
  • Does car insurance cost less for women? – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Women and men tend to get into at-fault accidents at a similar rate, but guys cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving.
  • Small claims can cost you – Companies give the best rates to people who file claims infrequently. If you frequently file small claims, you can expect increased rates or even have your policy non-renewed. Insurance coverage is designed for claims that pose a financial burden.

How to find the cheapest insurance

Most larger insurance companies make it easy to get coverage prices direct online. Obtaining pricing is very simple as you simply type in your personal and coverage information as detailed in the form. After you complete the form, the company’s rating system automatically retrieves reports for credit and driving violations and returns a price quote based on the data you entered.

This makes comparing rates easy, but the time it takes to visit different websites and type in your information is not the best way to spend an afternoon. But it’s very important to do this if you are searching for the best price on insurance.

The easy way to compare rates

A less time-consuming method to lower your insurance bill makes use of a single form that obtains quotes from multiple companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much more enjoyable. Immediately after submitting the form, your coverage is rated and you can choose any or none of the quotes returned.

If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

If you want to use this form to compare rates, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you type in as close as possible to your current policy. Using the same limits helps guarantee you will get a fair comparison using the same coverage and limits.

Do you qualify for discounts?

Companies that sell car insurance do not list every disount available in a way that’s easy to find, so we break down some of the best known as well as the least known auto insurance savings.

  • Federal Government Employee – Being employed by or retired from a federal job may reduce rates when you quote insurance coverage on Endeavor insurance depending on your auto insurance provider.
  • New Vehicle Savings – Putting insurance on a new car can cost up to 25% less due to better safety requirements for new vehicles.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
  • Braking Control Discount – Cars with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
  • Homeowners Savings – Being a homeowner can save you money because of the fact that having a home means you have a higher level of financial diligence.
  • 55 and Retired – Seniors may be able to get a small discount on rates on Endeavor insurance.
  • Auto/Home Discount – If you can combine your auto and homeowners policy with the same insurance company you could earn a discount of nearly 15% which can help you find cheap insurance coverage.

Don’t be shocked that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, companies wouldn’t make money that way.

Large auto insurance companies and some of their more popular discounts are shown below.

  • American Family includes discounts for bundled insurance, multi-vehicle, good student, TimeAway discount, defensive driver, Steer into Savings, and good driver.
  • Nationwide offers premium reductions for anti-theft, accident-free, multi-policy, defensive driving, good student, easy pay, and business or organization.
  • MetLife discounts include multi-policy, claim-free, good driver, defensive driver, good student, accident-free
  • 21st Century policyholders can earn discounts including homeowners, defensive driver, theft prevention, good student, and anti-lock brakes.
  • Farmers Insurance offers discounts including multi-car, switch companies, bundle discounts, youthful driver, and electronic funds transfer.
  • Allstate may include discounts for anti-lock brakes, early signing, resident student, premier plus, and premier discount.

If you need lower rates, check with each company or agent which discounts can lower your rates. Depending on the company, some discounts might not be offered in your area. If you would like to view insurance companies that offer multiple discounts, follow this link.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Which is better, split liability limits or combined limits?
  • Am I covered if hit by an uninsured driver?
  • Am I covered when delivering products for my home-based business?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I drive in a foreign country?
  • Do I have newly-aquired coverage?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Parts of your insurance policy

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.


Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn’t 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 liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, pain and suffering, bail bonds, repair costs for stationary objects and loss of income. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, hitting a bird, a broken windshield and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mitsubishi Endeavor.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision protection

Collision insurance covers damage to your Endeavor from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, scraping a guard rail, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, nursing services and surgery. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Pennies from heaven

When getting insurance coverage quotes online, never reduce coverage to reduce premium. In too many instances, an insured dropped liability coverage limits only to regret that it was a big mistake. Your aim should be to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

Some insurance companies may not provide the ability to get quotes online regional insurance providers provide coverage only through independent insurance agencies. Cheap 2008 Mitsubishi Endeavor insurance can be purchased on the web and with local insurance agents, and you should be comparing both to have the best selection.

Insureds who switch companies do it for a number of reasons such as delays in paying claims, unfair underwriting practices, poor customer service or high rates after DUI convictions. It doesn’t matter what your reason, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

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