How Much Does 2014 Mitsubishi Outlander Insurance Cost?

Trying to find lower car insurance rates for your Mitsubishi Outlander? Feel like you’re a prisoner to overpriced car insurance? It’s quite common and there are many people just like you. Since you have so many options, it can be challenging to choose the lowest cost company.

Choosing the best insurance company for you is quite easy. If you have a current insurance coverage policy or are just looking to switch companies, you can learn to reduce the price you pay and still get good coverage. Vehicle owners just need to understand the tricks to shop for insurance coverage online.

Auto insurance policy discounts

Auto insurance can be pricey, but there are discounts available to reduce the price significantly. Certain discounts will be applied at quote time, but some may not be applied and must be asked about before you will receive the discount.

  • Own a Home – Owning a home can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.
  • Bundle and Save – When you combine your auto and homeowners insurance and place coverage with the same company you could earn a discount of at least 10% off all policies.
  • Paperwork-free – Many companies will give a small break simply for signing online.
  • Organization Discounts – Joining a civic or occupational organization is a simple method to lower premiums on auto insurance.
  • Accident Forgiveness Coverage – Not a discount per se, but companies like Libery Mutual, Geico and Allstate may permit one accident without raising rates if your claims history is clear for a specific time period.
  • Discounts for New Vehicles – Insuring a vehicle that is new can get you a discount because new vehicles keep occupants safer.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may qualify for discounts of 25 to 30%.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.

One thing to note about discounts is that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A list of companies and the discounts they provide are:

  • Farm Bureau has savings for safe driver, good student, driver training, multi-policy, youthful driver, and renewal discount.
  • Liberty Mutual offers discounts including hybrid vehicle, exclusive group savings, preferred payment discount, good student, multi-car, safety features, and new graduate.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, multiple policy, Drive Safe & Save, driver’s education, passive restraint, defensive driving training, and accident-free.
  • Auto-Owners Insurance offers discounts for mature driver, anti-theft, safe driver, multi-policy, safe vehicle, group or association, and company car.
  • Geico includes discounts for anti-lock brakes, multi-policy, military active duty, federal employee, defensive driver, and seat belt use.
  • SAFECO may offer discounts for multi-car, accident prevention training, drive less, safe driver, and bundle discounts.

If you want cheap insurance quotes, ask all the companies which credits you are entitled to. A few discounts may not apply to policyholders in your area.

How do I know if I need professional advice?

When buying the best insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Should I drop comprehensive coverage on older vehicles?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need special endorsements for business use of my vehicle?
  • I don’t drive much so do I pay less?
  • Does medical payments coverage apply to all occupants?
  • Can I drive in Mexico and have coverage?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

The insurance coverage bait and switch

Drivers can’t avoid all the ads for insurance coverage savings from the likes of State Farm, Geico and Progressive. All the ads seem to make the promise about how much you will save just by moving your policy.

But how can every company sell you cheaper insurance coverage? It’s all in the wording.

Insurance providers provide the lowest rates for the type of driver that earns them the most money. For example, a desirable insured may need to be between the ages of 40 and 55, has no claims, and has excellent credit. Anyone that fits those parameters receives the best prices and have a good chance to save if they switch.

Potential customers who do not match these criteria must pay higher premiums which usually ends up with the customer not buying. The trick companies use is to say “drivers that switch” not “all people who quote” save that kind of money. This is how insurance companies can confidently make claims that they all have the best car insurance rates. This really emphasizes why you really need to do a rate comparison at every renewal. Because without a comparison, you cannot know which company will give you the biggest savings.

Insurance coverage considerations

Learning about specific coverages of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Collision protection

This covers damage to your Outlander resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, crashing into a ditch, rolling your car, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses for things like chiropractic care, rehabilitation expenses, surgery, ambulance fees and X-ray expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, rock chips in glass, hail damage and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like funeral expenses, repair bills for other people’s vehicles, legal defense fees, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your 2014 Mitsubishi Outlander.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Make a quick buck

As you prepare to switch companies, you should never skimp on coverage in order to save money. In many instances, an insured cut full coverage to discover at claim time they didn’t have enough coverage. Your strategy should be to buy enough coverage at a price you can afford but still have enough coverage for asset protection.

In this article, we presented many ideas to compare 2014 Mitsubishi Outlander insurance auto insurance rates online. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the lowest auto insurance rates come from a small local company. These companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

Lower-priced 2014 Mitsubishi Outlander insurance can be sourced from both online companies in addition to local insurance agencies, so you need to quote insurance with both to have the best rate selection. Some insurance providers do not provide online quoting and most of the time these smaller companies work with independent agents.

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

Comments About 2014 Mitsubishi Outlander Insurance

  1. Felicidad Frederick

    It’s all a rip off. Checking in from Miami, Florida. Got rates from The General, American Family, MetLife, and a couple others for my Mitsubishi and saved $446 a year. Thankfully I’m not a high risk driver.

  2. Jannette Spencer

    Just my two cents. I’m in Houston, Texas. Quoted prices from AIG Insurance, Sentry, and some smaller one I can’t remember the name of for my Outlander and saved about $230 a year.

  3. Meri Duke

    Will State Farm cancel me for an at-fault accident?

  4. Elnora Lee

    I’m in Denver, CO, and 21st Century rates were affordable. Left Travelers to switch.

  5. Nathanial Logan

    I’m in the south part of Indianapolis, IN. Quoted with American Family, Safeco, and a few others for my Outlander and I think I am saving around $70 each month. I have a teen driver too. I just quoted rates online.

  6. Maurine Mckenzie

    Cheap car insurance? What’s that? From a town just southwest of Biloxi, MS. Received quotes with GEICO, Hartford, and Encompass for my Mitsubishi and saved just over $300 a year. Just waiting to see how claims go.

  7. Christene Fields

    All insurance companies are crooks.

  8. Michiko Montoya

    What does medical payments cover?

  9. Kathlene Cole

    It’s all a rip off. Live in the southern part of Bismarck, North Dakota. Quoted a bunch of companies. Saved darn near $70 a month. Allstate was the best choice for me. God forbid I actually have a claim.

  10. Onie Robbins

    Lifelong resident of Spokane, WA. Got car insurance quotes with Western Auto Insurance, American Family, Liberty Mutual, and Safeco for my 2014 Mitsubishi Outlander and saved just over $120 a year. Insured with Farmers before. Good multi-policy discounts. I just quoted rates online.

  11. Keva Barber

    All companies are crooks. From northwest of Kansas City, MO. Went online for free insurance quotes for a 2014 Mitsubishi Outlander. Ended up at about $300 savings annually. Went with Allstate. Was with Western Auto Insurance. Got better coverage too.

  12. Henriette Booth

    In Overland Park, KS, GEICO is a good choice.

  13. Madonna Goodwin

    Got a quote with Hartford for my 2014 Mitsubishi Outlander and saved about $420 a year. Was with Mercury. Just waiting to see how claims go.

  14. Kimber Waller

    Will GEICO do a SR22 in San Jose, CA?

  15. Tonda Allen

    I’m looking for cheaper coverage. I’m in the east part of Baltimore, MD. I compared lots of rates. Saved about $40 a month. 21st Century was the most affordable for me. Was with Sentry. Hardly afford to drive anymore.

  16. Lindsay Ryan

    Live in Grand Forks, North Dakota. Checked online prices for a 2014 Mitsubishi Outlander. Ended up at about $130 savings annually. Went with State Farm. Left AAA to switch. Wish I didn’t have to insure at all.

  17. Jacquelyn Mcdaniel

    Well-written and thought out article. I live on the east side of Little Rock, Arkansas. Got car insurance quotes with Allstate, AAA, and Encompass for my Mitsubishi and saved about $200 a year. Hopefully won’t need it.

  18. Sybil Paul

    I live in a small town just outside of Concord, NH. Compared rates from a lot of places. Saved roughly $60 a month. State Farm was the most affordable for me. Insured with Mercury before. Good multi-policy discounts.

  19. Suzy Quinn

    Here’s my quote info. I’m in Fort Wayne, IN. Quoted a bunch of companies. Saved darn near $40 a month. GEICO was the best choice for me. Ask about discounts.