2013 Mitsubishi Outlander Insurance Cost – 9 Tips for Cheaper Prices

Searching for the cheapest insurance for your Mitsubishi Outlander could be difficult, but you can learn the following methods to save time. There are more efficient ways to compare insurance rates so we’re going to tell you the quickest way to price shop coverage on a Mitsubishi and find the lowest price from both online companies and local agents.

If you have a policy now or are shopping for new coverage, you can use these tips to reduce the price you pay while maintaining coverages. Finding affordable protection is quite easy. Drivers just need to know the proper methods to get comparison quotes on the web.

Cheapest car insurance rate quotes

All the larger car insurance companies like 21st Century, Allstate and State Farm give price estimates on their websites. Obtaining pricing is easy for anyone because it’s just a matter of typing in your personal and coverage information into the quote form. Once you submit the form, their rating system pulls reports for credit and driving violations and returns a price based on these factors.

Being able to quote online makes comparing rates easy, but the work required to visit multiple sites and complete many quote forms can get tiresome after awhile. But it is imperative to do this if you want to get better car insurance pricing.

Compare rates the easy way

The preferred way to locate the lowest prices uses one simple form to return rates from many companies. It’s a real time-saver, eliminates form submissions, and makes online quotes much more efficient. As soon as the form is sent, your coverage is rated and you can select your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process takes less than 15 minutes and can result in significant savings.

To find out how much you’re overpaying now, click here and enter your information. If you have a policy now, it’s recommended you replicate the limits and deductibles exactly as shown on your declarations page. Doing this guarantees you will have a price comparison based on similar coverages.

Can switching companies really save?

Consumers can’t get away from all the ads for the lowest price car insurance from the likes of 21st Century, Allstate and State Farm. All the ads make the point about how much you will save if you move your car insurance policy to them.

How do they all give you a better price? It’s all in the numbers.

Many companies have underwriting criteria for the type of driver that will most likely be profitable. A good example of this type of driver could possibly be over the age of 40, has never had a claim, and the vehicle is rated for pleasure use. A customer who matches those parameters will probably get cheap premium rates and will probably cut their rates if they switch.

Insureds who don’t meet the requirements may be required to pay higher premium rates and this results in the prospect going elsewhere. The trick is to say “customers who switch” not “all people who quote” save money. That’s the way insurance companies can make those claims. Because of the profiling, you really need to compare price quotes frequently. It’s not possible to predict which car insurance company will fit your personal profile best.

These nine discounts can cut auto insurance rates

Car insurance companies don’t always publicize every discount very well, so below is a list both the well known and also the more inconspicuous credits available to you. If you’re not getting every credit available, you are not getting the best rate possible.

  • Low Mileage Discounts – Fewer annual miles on your Mitsubishi may allow you to get lower prices on the low mileage vehicles.
  • Theft Prevention Discount – Vehicles with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Driver Education Discount – Require your teen driver to complete a driver education course as it can save substantially.
  • Seat Belts Save – Buckling up and requiring all passengers to fasten their seat belts can save up to 15% off PIP or medical payments premium.
  • E-sign Discounts</strong – A few larger online companies will give you a small discount for buying your policy online.
  • ABS Brakes – Cars and trucks equipped with ABS or steering control have fewer accidents and qualify for as much as a 10% discount.
  • Telematics Data – Drivers who agree to allow their auto insurance company to track their driving habits by installing a telematics device such as State Farm’s In-Drive may see discounts if they have good driving habits.
  • Senior Citizen Rates – Mature drivers can possibly qualify for a slight reduction on a car insurance quote for Outlander coverage.
  • Accident-Free Discounts – Insureds with no claims or accidents pay less as opposed to drivers with a long claim history.

You can save money using discounts, but most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Some of the insurance companies that may offer many of the previously listed discounts include:

Before buying, ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see a list of insurers that have a full spectrum of discounts, click this link.

When do I need an agent’s advice?

When it comes to choosing adequate coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • What can I do if my company denied a claim?
  • Can I get a multi-policy discount?
  • What exactly is covered by my policy?
  • Am I getting all the discounts available?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my camper covered by my car insurance policy?
  • What is medical payments coverage?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Knowing the specifics of your car insurance policy aids in choosing which coverages you need for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, a tree branch falling on your vehicle and hitting a bird. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Mitsubishi Outlander.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability insurance

Liability insurance will cover damage that occurs to a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, funeral expenses, medical expenses and emergency aid. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Outlander from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a mailbox, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as X-ray expenses, nursing services and chiropractic care. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Don’t break the bank

We’ve covered many tips how you can shop for 2013 Mitsubishi Outlander insurance online. The most important thing to understand is the more companies you get premium rates for, the higher the chance of saving money. You may be surprised to find that the best price on insurance is with a lesser-known regional company.

When searching for inexpensive car insurance quotes, make sure you don’t skimp on coverage in order to save money. There are too many instances where someone dropped full coverage and learned later that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

Drivers who switch companies do it for a number of reasons such as policy cancellation, unfair underwriting practices, extreme rates for teen drivers and even delays in responding to claim requests. It doesn’t matter why you want to switch finding a great new company is easier than you think.

More tips and info about insurance can be read by following these links:

Comments About 2013 Mitsubishi Outlander Insurance

  1. Noma Burnett

    Looking for cheaper 2013 Mitsubishi Outlander insurance in Minneapolis, Minnesota. Help!

  2. Nicky Joyner

    Not sure if this is cheap. I live just outside Hilo, Hawaii. Quoted quotes with Progressive, GMAC, and Encompass for my Mitsubishi and I think I saved around $50 each month. Insured with Erie before. I have several vehicles insured with them. It never hurts to quote around.

  3. Hector Fletcher

    Enjoyed the article. From a town just southwest of Boise, Idaho. Quoted with Allstate, AAA, Encompass, and Hartford for my Mitsubishi and I think I cut my rates about $70 each month. God forbid I actually have a claim.

  4. Noma Weiss

    Nice info. I live in a small town just outside of Mobile, AL. I quoted with Progressive, Liberty Mutual, and Eastwood for my 2013 Mitsubishi Outlander and saved $506 a year. Was with Safeco. I used their online quote form to compare rates.

  5. Shakita Caldwell

    Anyone know if 21st Century does SR-22s?

  6. Roni Hester

    I think I’m paying too much. Live in the northern part of Boise, Idaho. Got quotes with Allstate, Amica, and some I forget for my Mitsubishi and saved around $230 a year. Bought it from an online quote.

  7. Chantel Sparks

    Live in Nashville, TN. I got free prices from Progressive, Hartford, and Esurance for my Mitsubishi and saved $540 a year. I have a teen driver too.

  8. Katelynn Richard

    2013 Mitsubishi Outlander + Allstate = CHEAP! At least inRhode Island anyway.

  9. Will Fleming

    Affordable car insurance is a myth. From south side of Norman, OK. Received prices from Progressive, Encompass, and The General for my 2013 Mitsubishi Outlander and saved just over $150 a year. Left American Family to switch. Good savings if you bundle. Are quotes cheaper online?

  10. Ervin Calderon

    Will 21st Century raise rates for a windshield claim?

  11. Sebrina Vinson

    I live just outside Charleston, WV. Compared quite a few companies. Saved about $60 a month. State Farm was the cheapest option for me. Was with Auto-Owners. I increased coverages a little too.

  12. Demetrius Peters

    Good detail in your article. I’m from Missoula, MT. Compared quite a few companies. Saved about $60 a month. Progressive was the best choice for me. Can still barely afford it.