How Much Does 2016 Mitsubishi Outlander Car Insurance Cost?

Searching for lower car insurance rates? Consumers have lots of choices when looking for affordable Mitsubishi Outlander insurance. They can either spend hours calling around to compare prices or save time using the internet to get rate quotes. There is a right way and a wrong way to buy car insurance so you’re going to learn the proper way to compare rates for a Mitsubishi and locate the lowest price.

Insurance quotes comparison

There are a lot of ways to compare insurance prices but some are less labor-intensive and much quicker. You could waste time talking to insurance agencies in your area, or you can stay home and use the internet for quick rates.

Many insurance companies participate in an industry program where prospective buyers send in one quote, and at least one company can give them a price. This eliminates the need for quote forms to each company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to getting quotes like this is you cannot specify the companies you want to price. If you prefer to choose specific insurance companies to compare, we have a listing of insurance companies in your area. Click to view list.

Which method you use is up to you, but be certain you are entering equivalent coverages and limits with every price quote. If you have different coverage information it’s impossible to make an equal comparison.

Save with these discounts

The cost of insuring your cars can be expensive, but companies offer discounts that may help make it more affordable. Many of these discounts will be applied automatically when you complete an application, but some may not be applied and must be specially asked for before they will apply.

• Low Mileage – Fewer annual miles on your Mitsubishi could be rewarded with lower premium rates due to less chance of an accident.
• Senior Discount – Drivers over the age of 55 may qualify for a discount up to 10% for Outlander insurance.
• College Student – Kids who are attending college and do not have a car could qualify for this discount.
• Discounts for Multiple Vehicles – Buying a policy with primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
• Good Driver Discount – Drivers without accidents may save up to 50% more for Outlander insurance than their less cautious counterparts.
• Theft Deterent – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
• Renewal Discounts – A few insurance companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
• Own a Home – Owning your own home or condo can get you a discount due to the fact that maintaining a home shows financial diligence.
• Driver Safety – Successfully completing a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.

Just know that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will help reduce your insurance premiums.

The best insurance companies and a selection of discounts are detailed below.

• 21st Century may include discounts for good student, 55 and older, anti-lock brakes, student driver, homeowners, and early bird.
• State Farm has discounts for anti-theft, multiple policy, student away at school, accident-free, and safe vehicle.
• AAA policyholders can earn discounts including education and occupation, AAA membership discount, multi-car, anti-theft, pay-in-full, good student, and good driver.
• Liberty Mutual may offer discounts for multi-policy, hybrid vehicle, newly married, good student, teen driver discount, and new vehicle discount.
• Progressive discounts include multi-policy, homeowner, online quote discount, online signing, good student, and multi-vehicle.

Before you buy a policy, ask each company or agent what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies in every state.

Special considerations

When choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions may help you determine whether your personal situation could use an agent’s help.

• Are there companies who specialize in insuring high-risk drivers?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Should I buy only the required minimum liability coverage?
• How much can I save by bundling my policies?
• What is medical payments coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

You can change your insurance costs

Lots of things are considered when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but some are more obscure like your vehicle usage and annual miles driven.Consumers need to have an understanding of a few of the rating criteria that help calculate your premiums. When you understand what determines base rates, this enables informed choices that will entitle you to cheaper rates.

• When should you file a insurance claims? – If you are the type of insured that files lots of claims you can definitely plan on either policy cancellation or increased premiums. Car insurance companies give the lowest premiums to policyholders who are not frequent claim filers. Auto insurance is designed for major claims that would cause financial hardship.
• Marriage is a bonus – Walking down the aisle may cut your premiums compared to being single. Marriage translates into being more stable financially and it’s statistically proven that married couples file fewer claims.
• What are your deductibles? – Physical damage deductibles tell how much you are willing to pay if you file a covered claim. Physical damage protection, also called ‘full coverage’, is used to repair damage to your car. Some examples of covered claims are rearending another vehicle, hail damage, or theft of your vehicle. The more money you are required to pay out-of-pocket, the less your auto insurance will be for Outlander insurance.
• Your location is a factor – Choosing to live in small towns and rural areas may provide you with better prices when shopping for auto insurance. City drivers tend to have more auto accidents and longer commutes to work. Less people living in that area means fewer accidents in addition to lower liability claims
• Pay more by driving carelessly – Your driving citation history impacts your car insurance rates tremendously. Good drivers tend to pay less for car insurance compared to bad drivers. Getting just one chargable violation may cause rates to rise by twenty percent. Drivers unfortunate enough to have multiple citations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
• Premiums impacted by vehicle usage – The higher the miles on your Mitsubishi in a year the more you’ll pay to insure your vehicle. A lot of companies calculate rates based upon how you use the vehicle. Cars that have low annual miles receive lower rates compared to those used for work or business. An incorrectly rated Outlander may be costing you. It’s always a good idea to double check that your auto insurance coverage is rated on how each vehicle is driven, because it can save money.
• Older drivers pay less – Older insureds are proven to be safer behind the wheel, cause fewer claims and accidents .Drivers with little experience are statistically proven to be less responsible when driving with friends so they pay higher auto insurance rates.

Don’t be fooled by advertising claims

Consumers get pounded daily by advertisements for cheaper car insurance by companies like Geico, State Farm and Progressive. All the ads tend to make the same promise that you can save if you change your car insurance coverage to their company.

How can each company offer you a better deal? This is how they do it.

Most companies have an ideal profile for a prospective insured that earns them the highest profit. For example, this type of insured might have to be over the age of 40, has no driving citations, and drives less than 5,000 miles a year. A propective insured who fits those characteristics will most likely get cheap prices and will save when switching.

Drivers who don’t qualify for the “perfect” profile may be required to pay higher premiums and this can result in business not being written. If you listen to the ad wording, they say “customers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can make those statements. This really drives home the point why you need to get as many free insurance coverage quotes as possible. Because you never know the company that will have the best auto insurance rates.

Coverage specifics

Understanding the coverages of car insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive car insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, damage from flooding, hitting a deer and vandalism. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Med pay and PIP coverage pay for bills like prosthetic devices, surgery, funeral costs, doctor visits and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your 2016 Mitsubishi Outlander.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability – This will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: 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 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like emergency aid, court costs and medical services. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

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

Collision coverage protects against things like crashing into a building, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Keep this in mind

As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. In many cases, someone dropped physical damage coverage only to find out that they should have had better coverage. The goal is to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

We just presented many ideas to compare 2016 Mitsubishi Outlander insurance premium rates online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising.

Cost effective 2016 Mitsubishi Outlander insurance can be bought both online as well as from insurance agents, so you need to quote insurance coverage with both in order to have the best chance of saving money. There are still a few companies who may not offer the ability to get a quote online and most of the time these regional insurance providers work with local independent agents.

Additional detailed information is available by following these links:

• Older Drivers FAQ (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Red Light Cameras (State Farm)
• Collision Insurance Coverage (Nationwide)