2018 Mitsubishi Outlander PHEV Car Insurance Quotes – 8 Tips for Cheapest Rates

Locating lower-cost insurance coverage is rather difficult for people that are not comfortable with quoting and buying insurance online. With so many options of insurers to choose from, how can drivers have a chance to compare every insurance coverage company to find the best available rates?

If you currently have car insurance, you should be able to save some money using these methods. This article will introduce you to the most effective way to quote insurance. But car owners do need to know the way insurance companies price online insurance and take advantage of how the system works.

Where can I get cheap auto insurance?

When shopping for cheap car insurance quotes, there are a couple of ways to compare quotes from all the different companies. The recommended way to do a complete rate comparison is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

  1. The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This style of form prevents you from having to do repetitive form entry for each company. In just a few minutes this one form gets prices estimates from auto insurance companies with the best prices. It’s the fastest way to compare.
  2. A more time consuming way to shop for auto insurance online is spending the time to visit each individual company website and fill out their own quote form. For sake of this example, let’s assume you need rates from USAA, Liberty Mutual and GEICO. To do that, you would have to take the time to go to each site and repeatedly type in your coverage information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but ensure you are comparing identical coverage information with each company. If each company quotes differing limits it will be very difficult to determine the lowest rate for your Mitsubishi Outlander PHEV. Even a minor difference in insurance coverages or limits may result in a large different in cost. Just remember that making a lot of price comparisons will increase your chances of finding a lower rate than you’re paying now. Some smaller insurers to not give rate quotes online, so it’s important to also get price estimates from the smaller companies as well.

Double check you’re getting these eight money-saving discounts

Auto insurance companies don’t always advertise their entire list of discounts very clearly, so we researched some of the best known as well as some of the hidden credits that you can use to lower your rates.

  • Low Mileage Discounts – Maintaining low annual mileage could qualify for lower premium rates due to less chance of an accident.
  • Employee of Federal Government – Federal government employees can earn a discount up to 10% on Outlander PHEV coverage with select insurance companies.
  • Discount for Swiching Early – Some larger companies reward drivers for renewing your policy before your current expiration date. This can save 10% or more.
  • Driver Education Discount – Require your teen driver to sucessfully take a drivers education course if offered at their school.
  • Air Bags and Passive Restraints – Cars that have air bags may earn rate discounts of 20% or more.
  • Policy Bundle Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you will save 10% to 20% off each policy.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt can save 10% or more on medical payment and PIP coverage.

It’s important to understand that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that you could get a free insurance policy, it just doesn’t work that way.

Larger insurance companies and a summarized list of policyholder discounts are outlined below.

  • State Farm has savings for safe vehicle, accident-free, Steer Clear safe driver discount, driver’s education, multiple policy, and good student.
  • Nationwide policyholders can earn discounts including easy pay, multi-policy, Farm Bureau membership, good student, defensive driving, and family plan.
  • GEICO offers discounts including emergency military deployment, daytime running lights, defensive driver, seat belt use, five-year accident-free, membership and employees, and multi-vehicle.
  • AAA may offer discounts for multi-policy, good student, good driver, education and occupation, anti-theft, AAA membership discount, and multi-car.
  • 21st Century may have discounts that include theft prevention, homeowners, student driver, 55 and older, driver training, automatic seat belts, and teen driver.
  • The Hartford offers premium reductions for defensive driver, anti-theft, driver training, bundle, and good student.

Double check with each company how you can save money. Savings might not be offered on policies in your area. If you would like to choose from a list of companies with significant discounts, click this link.

Do I need special coverages?

When it comes to buying the best insurance coverage coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions may help you determine if you could use an agent’s help.

  • Do I need added coverage for expensive stereo equipment?
  • Am I covered by my spouse’s policy after a separation?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need motorclub coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Why does it cost so much to insure a teen driver?
  • Do I need medical payments coverage since I have good health insurance?
  • What is an SR-22 filing?
  • Which is better, split liability limits or combined limits?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Be skeptical of insurance coverage ads

Popular insurance coverage providers such as State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. All the ads make the same claim that drivers will save a bundle if you just switch your policy. But how can every company have lower policy pricing? This is how they do it.

Insurance providers can use profiling for the right customer that will most likely be profitable. A good example of a preferred risk might have to be between the ages of 30 and 50, has no tickets, and has a short commute. A customer who matches those parameters may get the lowest rates and will save money with a new company.

People who cannot meet the requirements will get higher premium rates which translates to the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” will save that much if they switch. That’s why insurance companies can make it sound like they have such great car insurance rates.

This illustrates why you need to get price quotes at each policy renewal. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.

Car insurance coverages for a Mitsubishi Outlander PHEV

Understanding the coverages of car insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for surgery, X-ray expenses, dental work, ambulance fees and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage protection

This covers damage to your Outlander PHEV resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, crashing into a building, rolling your car, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, damage from flooding, damage from a tornado or hurricane and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Mitsubishi Outlander PHEV.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability coverages

Liability insurance protects you from injuries or damage you cause to people or other property. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical expenses, bail bonds and court costs. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

The bottom line

You just read a lot of techniques to save on 2018 Mitsubishi Outlander PHEV insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best car insurance rates are with a small local company.

Cheap 2018 Mitsubishi Outlander PHEV insurance is available on the web in addition to many insurance agents, so get free car insurance quotes from both of them to have the best selection. A few companies do not provide online rate quotes and many times these smaller providers only sell coverage through independent insurance agents.

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, questionable increases in premium, poor customer service and even lack of trust in their agent. It doesn’t matter why you want to switch finding the right insurance provider can be easy and end up saving you some money.

Helpful learning opportunities

Comments About 2018 Mitsubishi Outlander PHEV Insurance

  1. Kathlyn Barrera

    If you have a good history and live in the vicinity of Grand Rapids, Michigan, check out GEICO. You might get cheaper rates.

  2. Elissa Miranda

    Not sure if this is cheap. I live in Milwaukee, WI. Got car insurance quotes with Allstate, Hartford, and Encompass for my Outlander PHEV and saved about $490 a year.