How Much Does 2015 Mitsubishi Outlander Sport Car Insurance Cost?

Locating better insurance prices for a Mitsubishi Outlander Sport could be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to compare insurance rates so you’re going to learn the absolute fastest way to get price quotes for a new or used Mitsubishi and get the lowest possible price from both online companies and local agents.

Consumers need to get comparison quotes on a regular basis since prices trend upward over time. Even if you think you had the best price for Outlander Sport coverage six months ago you can probably find a better rate now. Block out anything you think you know about insurance because we’re going to show you one of the quickest ways to lower your annual insurance bill.

Which car insurance is cheapest?

Performing a rate comparison is a ton of work if you don’t understand the best way to get rate quotes. You could waste time driving to insurance companies in your area, or you can stay home and use online quotes to achieve your goal.

Most major companies take part in a program that allows shoppers to submit one quote, and each company can give them a price determined by their information. This saves time by eliminating form submissions to each company.

To compare rates using this form now click to open in new window.

One minor caviat to using this type of system is you are unable to specify which providers to receive prices from. If you wish to select specific providers to receive pricing from, we put together a list of companies who write car insurance in your area. Click to view list.

The method you choose is up to you, but double check that you are using equivalent quote information with every price quote. If your comparisons have unequal deductibles or liability limits it will be nearly impossible to make a fair comparison for your Mitsubishi Outlander Sport.

Truth in car insurance advertising

Consumers can’t get away from ads for the lowest price car insurance from the likes of State Farm, Geico and Progressive. They all try to convey promises that people will save if you switch your car insurance policy to them.

How can each company charge you less for auto insurance? It’s all in how they say it.

Most companies have specific criteria for the right customer that is profitable for them. For example, a preferred risk may be over age 30, has no claims, and drives less than 7,500 miles a year. A driver who meets those qualifications will probably get cheap auto insurance rates and will most likely pay quite a bit less when switching companies.

Consumers who do not fit the requirements will probably be forced to pay more expensive rates with the end result being the customer not buying. If you pay attention, the ads say “customers that switch” not “everyone that quotes” save that much when switching. That is how companies can truthfully make claims that they all have the best auto insurance rates. Because every company is different, you absolutely need to get as many free car insurance quotes as possible. It’s not possible to predict which car insurance company will be your best fit.

Informed consumers know how to buy insurance for less

A large part of saving on insurance is knowing the factors that play a part in calculating the rates you pay for insurance. If you understand what determines premiums, this enables informed choices that may result in cheaper rates. Many things are part of the equation when you quote your car insurance policy. Some factors are common sense such as traffic violations, but others are more transparent such as your credit history or your commute time.

Listed below are a partial list of the pieces companies use to determine premiums.

  • You might pay more if you are single – Getting married may cut your premiums compared to being single. Marriage means you’re more stable financially it has been statistically shown that married couples file fewer claims.
  • Occupation impacts prices – Did you know your occupation can influence how much you pay for insurance? Jobs such as military personnel, executives and dentists have the highest rates due to intense work requirements and lots of time spent at work. Other professions such as scientists, athletes and performers have lower than average premiums for Outlander Sport coverage.
  • Rural areas have lower costs – Being located in a small town may provide you with better prices if you are looking for the lowest rates. Residents of big cities regularly have traffic congestion and more severe claims. Lower population translates into fewer accidents.
  • Cheaper rates for being claim-free – Companies provide the best rates to drivers who do not file claims often. If you are a frequent claim filer, you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is intended for claims that pose a financial burden.

Cheaper rates with these discounts

Car insurance companies don’t always publicize their entire list of discounts in a way that’s easy to find, so the following is a list of both the well known in addition to some of the lesser obvious car insurance savings.

  • Low Mileage Discounts – Driving fewer miles may enable drivers to earn discounted prices on garaged vehicles.
  • Good Grades Discount – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if offered at their school.
  • Mature Driver Discount – Drivers over the age of 55 can possibly qualify for lower premium rates for Outlander Sport coverage.
  • Save with a New Car – Buying a new car model can save up to 30% due to better safety requirements for newer vehicles.
  • Organization Discounts – Being a member of a professional or civic organization could qualify you for a break on car insurance.
  • Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your car insurance quote.
  • Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems may get savings of up to 25% or more.

We need to note that most credits do not apply to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, companies don’t profit that way.

Some of the larger companies that may offer quotes with some of the discounts shown above are:

When comparing rates, check with all the companies which credits you are entitled to. A few discounts may not apply in your area. To find car insurance companies that offer multiple discounts, click this link.

Auto insurance can be complex

When choosing adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • Am I covered when pulling a rental trailer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How do I insure my teen driver?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is motorclub coverage worth it?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages 101

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision – This will pay to fix damage to your Outlander Sport resulting from a collision 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 things like backing into a parked car, rolling your car, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, damage from flooding, hitting a deer, fire damage and falling objects. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for expenses for surgery, ambulance fees and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability coverage – This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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 limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like pain and suffering, attorney fees, funeral expenses and court costs. How much coverage you buy is up to you, but consider buying as large an amount as possible.

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Mitsubishi Outlander Sport.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Summing up your auto insurance search

Discount 2015 Mitsubishi Outlander Sport insurance can be bought on the web and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide internet price quotes and most of the time these smaller companies only sell coverage through local independent agents.

You just read a lot of tips how to reduce 2015 Mitsubishi Outlander Sport insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest car insurance rates come from an unexpected company.

When searching for inexpensive car insurance quotes, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an insured cut physical damage coverage and learned later that the savings was not a smart move. Your goal should be to find the BEST coverage at the lowest possible cost.

Additional information can be found on the following sites:

Comments About 2015 Mitsubishi Outlander Sport Insurance

  1. Karlene Sharp

    Live in the eastern part of San Jose, CA. Not sure of all the companies but I ended up saving about $30 each month. Even increased coverage a bit.

  2. Kylie Wiley

    I live in a small town just outside of Billings, MT. I don’t recall every quote but I ended up saving about $30 each month. Get lots of quotes to find the best rate.

  3. Alfred Frye

    In Denver, CO, 21st Century auto insurance rates for my 2015 Mitsubishi Outlander Sport were good. Insured with Sentry before.

  4. Na Rosario

    Does GEICO have low rates for teen drivers?

  5. Felipa Alexander

    In Phoenix, AZ, 21st Century is a good choice. Was with USAA. Wish I didn’t have to insure at all.

  6. Marcie Conway

    If you have a clean record and are close to Detroit, MI, check out Allstate. You might save some money. BTW speeding tickets are not good.

  7. Gianna Oliver

    I live just outside Paterson, New Jersey. Not sure of all the companies but I ended up saving about $70 each month. Good multi-policy discounts. They have free quotes online.

  8. Regena Elliott

    From northwest of Henderson, NV. Compared quite a few companies. Saved about $30 a month. 21st Century was the cheapest for me. Left Sentry to switch. I think they have home insurance too.

  9. Emilio Farley

    From east side of Jersey City, NJ. I quoted with GMAC, AAA, Safeco, and a couple others for my Mitsubishi and I think I am saving around $70 each month. I increased coverages a little too.