Trying to find cheaper insurance for a new or used Mitsubishi Outlander can turn out to be an all-consuming task, but you can use our car insurance buying tips to find lower rates.
There is a better way to buy car insurance and you need to know the absolute fastest way to quote coverages for your Mitsubishi and locate the best price possible from local insurance agents and online providers.
Consumers need to compare prices occasionally since insurance rates change frequently. Even if you got the lowest price for Outlander insurance a year ago there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn the fastest way to find better coverage at a better price.
Quick Car Insurance Quotes
Effectively comparing car insurance prices is a ton of work if you don’t know the most efficient way. You can spend countless hours talking to insurance agencies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.
Most car insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and each participating company can provide price quotes based on that data. This saves time by eliminating quote requests to each company. To access this free quoting program, click to open in new window.
The single downside to pricing coverage this way is you can’t choose the providers you will receive quotes from. So if you prefer to pick from a list of companies to compare prices, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.
Whichever method you choose, make darn sure you compare the exact same deductibles and coverage limits for every company. If you enter different values for each quote it’s not possible to truly determine the lowest rate. Slightly different limits can result in a big premium difference. Just remember that comparing more company’s prices will enable you to find a better price.
Discounts are basically free money
Car insurance is not cheap, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied when you quote, but lesser-known reductions have to be specifically requested before you will receive the discount.
- Accident Waiver – Some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
- Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Outlander insurance than less cautious drivers.
- Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.
- More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
- Save with a New Car – Insuring a new car can cost up to 25% less compared to insuring an older model.
- Senior Citizens – If you’re over the age of 55, you may be able to get a small decrease in premiums for Outlander insurance.
- Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
- Fewer Miles Equal More Savings – Low mileage vehicles can earn better rates on cars that stay parked.
- Claim Free – Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
Drivers should understand that some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, car insurance companies aren’t that generous. But all discounts will help reduce the amount you have to pay.
For a list of insurers who offer car insurance discounts, follow this link.
Factors that might impact rates for a Mitsubishi Outlander
Smart consumers have a good feel for the rating factors that go into determining car insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.
- How credit affects car insurance rates – A driver’s credit rating is a large factor in determining your rates. People with excellent credit tend to be more responsible than drivers with lower ratings. So if your credit score can use some improvement, you could pay less to insure your Mitsubishi Outlander by spending a little time repairing your credit.
- Older drivers pay less – Teen drivers have a tendency to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, file fewer claims and get fewer tickets.
- The type of vehicle makes a difference – The performance level of the car you own makes a substantial difference in determining your rates. The cheapest insurance rates are generally reserved for low performance passenger vehicles, but the final cost of insurance is determined by many other factors. Due to the fact that the Mitsubishi Outlander is a standard SUV, insurance will be slighty more when compared to the average rates.
- Higher safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. Safe vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mitsubishi Outlander earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
- Frequent car insurance claims increase rates – Car insurance companies provide lower rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
- Poor driving leads to higher costs – A bad driving record impacts your car insurance rates tremendously. Careful drivers have lower premiums than people who have multiple driving citations. Even one moving violation can boost insurance rates forty percent or more. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
- Women pay lower rates – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both are in accidents at a similar rate, but the males cause more damage. They also receive more costly citations like reckless driving and DUI. Young males are most likely to cause an accident and are penalized with high car insurance rates.
- Do you need those extra coverages? – There are quite a few additional coverages that can waste your money when buying car insurance. Coverages for vanishing deductibles, accident forgiveness and motor club memberships are some examples. These may sound like a good investment at first, but if you don’t need them eliminate them to save money.
But I want to work with a local agent
Some consumers would rather sit down with an agent and that is a personal choice. One of the great benefits of comparing rates online is you may find lower rates and still have an agent to talk to. Buying from local insurance agencies is important particularly in smaller communities.
By using this form (opens in new window), the quote information is immediately sent to insurance agents who will give you bids for your insurance coverage. You won’t need to visit any agencies as quotes are delivered straight to your inbox. How cool is that?! You’ll get the best rates AND an agent nearby.
If you wish to contact a specific insurance agent in your state, click here.
Choosing an insurer requires more thought than just the price. Any agent should have no problem answering these questions:
- Does the company allow you to choose your own collision repair facility?
- Will your rates increase after a single accident?
- How long have they worked with personal auto insurance coverage?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How are they compensated?
Upon getting satisfactory answers to these questions as well as a affordable price, you’ve probably found an insurer that is a good match to adequately provide car insurance.
Is there truth in advertising?
Car insurance providers like Allstate and Progressive constantly bombard you with ads in print and on television. They all have a common claim of big savings if you switch to their company. How do they all say the same thing? It’s all in the numbers.
Insurance companies can use profiling for the driver that earns them a profit. An example of a desirable insured might be between the ages of 30 and 50, owns a home, and has a short commute. A propective insured who matches those parameters gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.
Consumers who don’t qualify for these standards will have to pay more money which leads to business not being written. The ads say “customers who switch” but not “drivers who get quotes” save that much. That is how companies can advertise the way they do.
Because of the profiling, it is so important to compare many company’s rates. It’s just too difficult to predict which insurance companies will have the lowest rates.
In the end, you save
As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There have been many cases where someone sacrificed liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at the best price.
People switch companies for a variety of reasons including lack of trust in their agent, extreme rates for teen drivers, high rates after DUI convictions or policy cancellation. It doesn’t matter why you want to switch finding a new car insurance company is actually quite simple.
Lower-priced Mitsubishi Outlander insurance is attainable both online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not provide online price quotes and these small, regional companies work with independent agents.
