7 Ways to Save on Mitsubishi Outlander Insurance

Nobody enjoys paying for car insurance, especially knowing they are paying too much.

With so many choices, it’s difficult to choose the lowest cost provider.

Compare Quotes for Car Insurance

The are a couple different ways to compare rate quotes and find the best price. The easiest way to compare insurance prices consists of shopping online. This can be accomplished in several different ways.

1. The recommended way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method eliminates the need for boring form submissions for each company you want a rate for. In just a few minutes this one form compares rates from all major companies.
2. Another way to obtain and compare quotes online requires a trip to the website for every company you want to comare and complete a new quote form. For examples sake, let’s assume you want rates from Farmers, Safeco and Allstate. To find out each rate you need to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverages and limits on every quote you get. If your comparisons have different deductibles it’s impossible to determine which rate is truly the best. Slightly different limits can result in a big premium difference. It’s important to know that comparing more company’s prices helps locate a lower rate.

Take advantage of discounts

Car insurance is not cheap, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but a few must be requested specifically in order for you to get them.

• Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current policy expires. The savings is around 10%.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
• Student in College – Kids in college who attend school more than 100 miles from home and do not have a car may qualify for this discount.
• Homeowners Savings – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
• More Vehicles More Savings – Having multiple cars or trucks with the same company could earn a price break for each car.
• Government Employees – Active or retired federal employment can save as much as 8% on Outlander coverage with select insurance companies.
• Drive Less and Save – Keeping the miles down on your Mitsubishi can qualify you for better rates on cars that stay parked.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, companies don’t profit that way. Any amount of discount will cut your overall premium however.

To see a list of insurers offering car insurance discounts, click here.

How to know if you need help

When buying adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine if you will benefit from professional help.

• Do I have coverage when making deliveries for my home business?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is business property covered if stolen from my car?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need rental car coverage?
• How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Coverage specifics

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on the average car insurance policy.

Auto liability insurance – This coverage protects you from injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as court costs, funeral expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like EMT expenses, nursing services, surgery, ambulance fees and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage – Collision insurance will pay to fix damage to your Outlander resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, hitting a mailbox, crashing into a ditch, driving through your garage door and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Mitsubishi Outlander.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, a broken windshield, vandalism, fire damage and hitting a deer. The maximum payout 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 consider removing comprehensive coverage.

Quote often and quote early

Budget-conscious Mitsubishi Outlander insurance can be found both online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

We’ve covered a lot of ways to compare Mitsubishi Outlander insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a small mutual company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, GEICO and Nationwide.