2018 Mitsubishi Outlander Insurance Cost – 8 Savings Tips

Want the cheapest auto insurance rates for your Mitsubishi Outlander? Tired of sacrificing other expenses to pay your auto insurance bill each month? You have the same problem as most other vehicle owners. Numerous insurers battle for your business, and because of this it can be hard to compare auto insurance companies to find the absolute lowest rate

Quote insurance online

Getting a cheaper price on 2018 Mitsubishi Outlander insurance can be surprisingly simple. All you need to do is invest a little time to compare rate quotes to find. It’s really simple and can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to find low rates is a comparison rater form click here to open form in new window. This method keeps you from doing separate quote forms for each company you want a rate for. Taking the time to complete one form will return quotes from all major companies.
  2. A different way to compare rate quotes requires visiting the website for each individual company and repeat the quote process again and again. For instance, let’s say you want to get rates from Nationwide, Esurance and State Farm. To get each rate you have to navigate to each company’s site and enter your policy data, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you are using nearly identical deductibles and coverage limits for each comparison quote. If your comparisons have different deductibles it will be very difficult to find the best deal for your Mitsubishi Outlander.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions might help in determining if you might need an agent’s assistance.

  • Who is covered when they drive my 2018 Mitsubishi Outlander?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When would I need additional glass coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my ex-spouse still covered by my policy?
  • Should I bundle my homeowners policy with my auto?
  • Is my teenager covered with friends in the car?
  • Am I insured when driving a different vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Coverage for liability

This will cover damages or injuries you inflict on other’s property or people that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as medical expenses, repair bills for other people’s vehicles, repair costs for stationary objects, court costs and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Collision protection

This pays for damage to your Outlander resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, hitting a parking meter, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, fire damage, falling objects and damage from flooding. The maximum amount a 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)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills for doctor visits, EMT expenses, ambulance fees, surgery and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comments About 2018 Mitsubishi Outlander Insurance

  1. Loraine Coffey

    Will State Farm raise rates for a small claim?

  2. Charley Warren

    Corporate greed I’m telling you. Got a quote with Farmers for my Mitsubishi and am saving around $170 a year. I get multi-vehicle and multi-policy discounts.

  3. Rickie Puckett

    Is Allstate cheap in Springfield, MA?

  4. Freida Sargent

    I chose to switch to Allstate from Amica. I live in Las Cruces, NM. Left GMAC to switch. Ask about discounts. I used their website to get prices.