2003 Mitsubishi Outlander Insurance Quotes

Pretty sure you bought an underperforming, overpriced insurance policy? You’re in good company because there are a lot of people just like you who feel imprisoned by their insurance policy.

Due to the fact that there are so many choices of insurance companies, it can be diffult for drivers to find a more affordable insurance company.

Car insurance discounts are available to cut your rates

Car insurance is not inexpensive, but you may find discounts to help bring down the price. Many of these discounts will be applied automatically when you quote, but lesser-known reductions have to be inquired about prior to receiving the credit.

• Resident Student – who are attending college and do not have a car could qualify for this discount.
• Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote compared to policyholders that have many claims.
• Discounts for Federal Employees – Federal government employees can earn a discount up to 10% on Outlander coverage but check with your company.
• Discount for Swiching Early – A few insurance companies allow discounts for switching companies prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.
• Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
• Drivers Education – Have your child enroll and complete driver’s education if it’s offered in school.

Just know that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.

A few companies that have these discounts are:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

Double check with all companies you are considering the best way to save money. Discounts might not apply in your state. To locate providers who offer cheap car insurance quotes, click here.

Everyone needs different insurance coverage coverages

When choosing adequate coverage, there isn’t really a perfect coverage plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

• Will filing a claim cost me more?
• Is my Mitsubishi Outlander covered if I use it for business?
• Do I benefit by insuring my home with the same company?
• Am I covered when driving in Canada or Mexico?
• Am I covered when driving a rental car?
• When should I remove comp and collision on my 2003 Mitsubishi Outlander?
• How can I get high-risk coverage after a DUI?
• Am I covered if I drive in a foreign country?
• Which is better, split liability limits or combined limits?
• Do I need replacement cost coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Parts of your insurance policy

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Liability auto insurance

This coverage can cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, funeral expenses and court costs. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Mitsubishi Outlander.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for X-ray expenses, dental work and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays for damage to your Outlander resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, scraping a guard rail, sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, falling objects, a tree branch falling on your vehicle, hitting a deer and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

More quotes. Lower rates.

Low-cost 2003 Mitsubishi Outlander insurance is available online and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies do not provide the ability to get quotes online and usually these smaller providers sell through local independent agents.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at the lowest possible cost while still protecting your assets.

For more information, link through to the following helpful articles:

• Side Impact Crash Tests (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Comprehensive Coverage (Liberty Mutual)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)