2014 Mitsubishi Outlander Car Insurance Cost

Finding low-cost insurance for a Mitsubishi Outlander can be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to compare car insurance rates and we’ll show you the quickest way to compare rates for a new or used Mitsubishi and obtain the lowest possible price either online or from local insurance agents.

You should take the time to do rate comparisons before your policy renews since prices are rarely the same from one policy term to another. Even if you think you had the best price for Outlander coverage six months ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn the proper way to get good coverage at a lower rate.

Get lower-cost rates with discounts

Auto insurance companies don’t always publicize all possible discounts very clearly, so the list below contains a few of the more common and the harder-to-find credits available to bring down your rates.

  • Sign Online – Some of the larger companies provide a small discount for signing up on the internet.
  • Data Collection Discounts – Insureds that choose to allow driving data collection to monitor when and where they use their vehicle by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they have good driving habits.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your car insurance quote.
  • Switch and Save Discount – A few companies give discounts for buying a new policy before your current policy expires. It can save you around 10%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may earn rate discounts up to 30%.

It’s important to note that most credits do not apply the the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

The best auto insurance companies and their offered discounts are included below.

  • American Family discounts include multi-vehicle, good student, TimeAway discount, early bird, accident-free, defensive driver, and mySafetyValet.
  • Nationwide includes discounts for anti-theft, defensive driving, Farm Bureau membership, easy pay, accident-free, business or organization, and multi-policy.
  • MetLife may include discounts for good driver, multi-policy, accident-free, defensive driver, and claim-free.
  • 21st Century has savings for defensive driver, teen driver, good student, driver training, air bags, automatic seat belts, and 55 and older.
  • Farmers Insurance offers premium reductions for early shopping, mature driver, alternative fuel, youthful driver, distant student, bundle discounts, and teen driver.
  • Allstate offers discounts for resident student, teenSMART discount, new car, premier plus, EZ pay plan discount, and good payer.

Before purchasing a policy, check with all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not apply in every state. If you would like to see a list of insurers that provide some of the discounts listed above, click here to view.

How to compare insurance quotes

Finding a lower price on 2014 Mitsubishi Outlander insurance can be relatively painless. You just need to take time to compare free car insurance quotes from different insurance companies. It’s super easy and can be done using one of these methods.

  1. If you don’t have a lot of time, the easiest way to get quotes for comparison is a comparison rater form click here to open form in new window. This easy form saves time by eliminating separate quote forms for every prospective company. A single form gets insurance cost estimates from several companies. It’s the fastest way to compare.
  2. A slightly less efficient method to get comparison quotes is going to the website of each company and repeat the quote process again and again. For example, we’ll assume you want rates from GEICO, Safeco and Allstate. To find out each rate you need to spend time on each company’s site to input your insurance information, and that explains why we recommend the first method.

    To view a list of companies in your area, click here.

  3. The hardest method to quote and compare insurance rates is to spend time driving to all the different insurance agencies. The fact that you can get quotes online eliminates this option unless your situation requires the personal advice that you can only get from talking to an agent. However, consumers can obtain prices from the web but purchase the actual policy in an agency.

Whichever way you choose to compare rates, make sure you use the exact same quote data for each comparison quote. If you enter different values for each quote it will be impossible to decipher which rate is best.

Smart buyers save money

Smart consumers have a good feel for some of the things that come into play when calculating auto insurance rates. If you have some idea of what determines premiums, this allows you to make good choices that may result in big savings. Many things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but some are more transparent such as your credit history or how safe your car is.

The items below are just a few of the factors used by your company to calculate premiums.

  • Low mileage costs less – The higher the mileage driven annually the higher your rates will be. A lot of insurance companies calculate rates based upon how much you drive. Vehicles used primarily for pleasure use get more affordable rates than those that get driven frequently. An incorrectly rated Outlander may be wasting your money. Double check that your vehicle rating shows how each vehicle is driven.
  • Married people drive safer – Having a spouse may cut your premiums on your auto insurance bill. Having a significant other may mean you are more financially stable and it’s statistically proven that drivers who are married file infrequent claims.
  • Low physical damage deductibles cost more – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Mitsubishi. Some coverage claims could be running into the backend of another car, damage from fire, and damage from a fallen tree branch. The deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The more money you are required to pay out-of-pocket, the lower your rates will be for Outlander coverage.
  • Decrease rates by maintaining coverage – Having a lapse in insurance coverage can be a guaranteed way to drive up your policy premiums. Not only will rates go up, not being able to provide proof of insurance will get you a revoked license or a big fine. You may need to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Driver age impacts prices – Drivers with little experience are statistically proven to be more careless behind the wheel so they pay higher auto insurance rates. Having to add a teen driver onto your auto insurance will cause a huge premium hike. More mature drivers are viewed as being more responsible, statistically cause fewer accidents .
  • Cheaper auto insurance rates using alarm systems – Purchasing a vehicle that has a built-in theft deterrent system can earn a premium discount. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft and help bring rates down.
  • Where you reside – Choosing to live in less populated areas of the country is a good thing when trying to find low car insurance rates. Less people translates into fewer accident claims. People in densly populated areas regularly have more auto accidents and higher rates of accident claims. More time behind the wheel translates into higher accident risk.
  • Save by staying claim free – If you are the type of insured that files lots of claims you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Companies give discounts to people who do not file claims often. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

What is the best insurance coverage?

When it comes to buying adequate coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

  • At what point should I drop full coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • What is PIP insurance?
  • Do I really need UM/UIM coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my 2014 Mitsubishi Outlander covered for flood damage?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Tricks in car insurance advertising

Drivers can’t ignore all the ads for cheaper car insurance by Progressive, Allstate and GEICO. All the companies make the same claim about saving some big amount if you change your coverage.

How do they all save you money? This is how they do it.

All the different companies have an ideal profile for the driver that earns them the highest profit. One example of a desirable insured may need to be between 30 and 50, has other policies, and chooses high deductibles. Any driver who fits those characteristics will qualify for the lowest auto insurance rates and as a result will probably save when they switch companies.

Potential insureds who cannot meet those criteria will have to pay a higher rate which results in the customer not purchasing. The trick companies use is to say “people that switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can make those claims. Because each company has a different risk profile, drivers must get car insurance quotes from several different companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

What car insurance coverages do you need?

Having a good grasp of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, fire damage, rock chips in glass, damage from flooding and vandalism. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

This coverage will cover damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for 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. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like medical services, pain and suffering, legal defense fees, medical expenses and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for 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, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills such as rehabilitation expenses, chiropractic care, hospital visits, X-ray expenses and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Be a penny pincher

Throughout this article, we presented some good ideas how to reduce 2014 Mitsubishi Outlander insurance auto insurance rates online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even discover the lowest priced car insurance comes from a small mutual company.

Budget-friendly car insurance can be found from both online companies in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not have rates over the internet and most of the time these small, regional companies only sell coverage through independent agencies.

As you prepare to switch companies, do not reduce coverage to reduce premium. There are too many instances where an insured dropped liability coverage limits and learned later that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest cost, not the least amount of coverage.

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