Lower Your 2010 Mitsubishi Outlander Car Insurance Quotes

Searching for cheaper insurance for a Mitsubishi Outlander can be difficult, but you can learn the following methods to make it easier. There are more efficient ways to buy insurance coverage so we’re going to tell you the quickest way to quote coverages on a Mitsubishi and obtain the lowest price from both online companies and local agents.

Save money with discounts

Companies offering auto insurance don’t list all their discounts very well, so the following is a list of both the well known and the harder-to-find discounts that you can inquire about if you buy insurance coverage online.

• Senior Citizen Rates – If you’re over the age of 55, you are able to get a slight reduction on a insurance coverage quote on Outlander insurance.
• Driver Training Discounts – Completing a defensive driving course can save you 5% or more and make you a better driver.
• Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts could cut 10% or more on medical payment and PIP coverage.
• Savings for New Vehicles – Putting auto insurance coverage on a new car can get you a discount due to better safety requirements for new vehicles.
• Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and can earn a small discount on your policy.

As a sidenote, some of the credits will not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

A few companies that may offer these money-saving discounts include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

It’s a good idea to ask every prospective company which discounts can lower your rates. All car insurance discounts may not apply to policies in your area. To see auto insurance companies that have a full spectrum of discounts, click here to view.

How to shop insurance online

Comparing insurance rates can take hours if you aren’t aware of the most efficient way to do it. You can waste hours discussing policy coverages with local insurance agents in your area, or you could use online quotes to maximize your effort.

Many insurance companies belong to a marketplace where prospective buyers enter their policy data once, and each participating company provides a quote based on that information. This system prevents you from having to do repetitive form submissions for each company. To participate in this free quote system, click here (opens in new window).

One minor caviat to using this type of form is you are unable to specify which insurance companies you want to price. If you would rather choose specific insurance companies to receive pricing from, we have a listing of low cost insurance companies in your area. Click here to view list.

However you get your quotes, make sure you compare the exact same quote information for each quote you get. If the quotes have different data you can’t possibly find the best deal for your Mitsubishi Outlander.

Informed drivers can reduce insurance rates

Lots of factors are used when you quote your car insurance policy. Some are obvious like a motor vehicle report, although some other factors are not as apparent such as your marital status or how financially stable you are.The best way to find cheaper insurance is to take a look at some of the factors that help calculate your policy premiums. If you know what controls the rates you pay, this enables informed choices that can earn you much lower annual insurance costs.

The items below are a few of the things companies use to determine premiums.

• Qualify for multi-policy discounts – The majority of insurers will give lower prices to people who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to help ensure you have the lowest rates.
• Never allow your insurance policy to lapse – Letting your insurance expire will be a quick way to trigger a rate increase. In addition to paying higher premiums, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license.
• Cheaper to insure women? – Over the last 30 years, statistics show that females take fewer risks when driving. That doesn’t necessarily mean that women are better drivers. Men and women get in auto accidents in similar numbers, but the men have costlier accidents. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
• How much liability coverage – Your policy’s liability coverage will provide protection in the event that a court rules you are at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• High comp and collision deductibles reduce premiums – Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Examples of some claims that would be covered could be a windshield broken by a bird, animal collisions, and damage caused by road hazards. The larger the amount you are required to pay out-of-pocket, the bigger discount you will receive on Outlander insurance.
• Safer cars means cheaper insurance – Vehicles with good safety scores tend to be cheaper to insure. Highly rated vehicles reduce injuries and lower injury rates means your insurance company pays less and lower rates for you.
• Prices are affected by your address – Having an address in areas with lower population may provide you with better prices when buying insurance. Residents of big cities have more aggressive driving styles and more time behind the wheel. Less people living in that area translates into fewer accident claims and a lower car theft rate.
• Obey driving laws and save – Being a careful driver has a huge affect on how much you pay. Good drivers tend to pay less for car insurance as compared to careless drivers. Only having one speeding ticket could increase your next policy renewal forty percent or more. People who have flagrant violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to legally drive.

What is the best auto insurance coverage?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.

• Who is covered when they drive my 2010 Mitsubishi Outlander?
• Am I covered when driving in Canada or Mexico?
• Exactly who is provided coverage by my policy?
• Do I have coverage when pulling a U-Haul trailer?
• Will I be non-renewed for getting a DUI or other conviction?
• Does my policy cover me when driving someone else’s vehicle?
• Is my nanny covered when driving my vehicle?
• Do I need an umbrella policy?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Advertising myths

Consumers can’t avoid all the ads for cheaper insurance from companies such as Progressive, Allstate and Geico. All the ads try to convey promises about saving some big amount if you just switch to them.

How does every company offer drivers better rates? Here is the trick they use.

Insurance companies quote their best rates for the type of driver that earns them the most money. For instance, this type of risk profile might be described as between 30 and 50, carries full coverage, and drives less than 7,500 miles a year. A propective insured who matches those parameters will most likely get cheap premium rates and most likely will save quite a bit of money when switching.

Drivers who are not a match for these criteria will be charged higher prices and this can result in business not being written. If you pay attention, the ads say “people that switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can lure you into getting a quote. Because each company has a different risk profile, drivers must get a wide range of price quotes. You cannot predict the company that will be your best fit.

Auto insurance coverage breakdown

Having a good grasp of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses for things like hospital visits, pain medications and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, rolling your car, backing into a parked car, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2010 Mitsubishi Outlander.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like court costs, pain and suffering and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hail damage, fire damage, damage from getting keyed, theft and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

The bottom line

When trying to cut insurance costs, never buy less coverage just to save a little money. Too many times, drivers have reduced collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

You just learned some good ideas how to lower your 2010 Mitsubishi Outlander insurance car insurance rates. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers may even find the best price on insurance is with some of the lesser-known companies.

Lower-priced insurance can be sourced from both online companies in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. A few companies may not offer online rate quotes and most of the time these regional carriers only sell through independent insurance agents.

Other resources

• Driving in Bad Weather (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Crash Avoidance Technologies FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)