Lower Your 2012 Mitsubishi Outlander Sport Car Insurance Rates

Did a good deal turn into an underperforming, overpriced car insurance policy? You’re preaching to the choir because many consumers feel financially strained by their car insurance policy. Popular companies such as State Farm, Geico and Farmers Insurance all claim big savings with catchy ads and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.

Smart consumers take time to compare premium rates on a regular basis since prices change quite often. Despite the fact that you may have had the best price on Outlander Sport insurance on your last policy you will most likely find a better rate today. Block out anything you think you know about car insurance because you’re about to learn the right way to save on car insurance.

Compare quotes for insurance

Performing a rate comparison can take hours if you don’t utilize the best way to get rate quotes. You can waste hours talking about coverages with insurance companies in your area, or you can stay home and use online quoting to get the quickest rates.

Many insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and at least one company returns a competitive quote determined by their information. This prevents consumers from doing repetitive form submissions for every insurance company. To find out what other companies charge click here (opens in new window).

The only drawback to using this type of system is buyers cannot specifically choose the companies you want pricing from. So if you prefer to choose individual companies to compare, we have assembled a list of the cheapest insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you compare nearly identical coverage information for every company. If you enter different deductibles you will not be able to truly determine the lowest rate.

Discount auto insurance quotes

Auto insurance companies don’t always list every discount in a way that’s easy to find, so we took the time to find a few of the more common and also the lesser-known discounts you could be receiving when you buy insurance online.

  • Telematics Devices – Drivers who elect to allow driving data collection to spy on driving manner remotely like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they exhibit good driving behavior.
  • Low Mileage Discounts – Fewer annual miles on your Mitsubishi may enable drivers to earn slightly better prices than normal.
  • Save with More Vehicles Insured – Buying insurance for multiple vehicles with the same auto insurance company can get a discount for every vehicle.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Outlander Sport insurance than drivers with accident claims.
  • Club Memberships – Being a member of qualifying clubs or civic groups can get you a small discount on auto insurance.
  • Discount for Home Ownership – Being a homeowner can get you a discount because of the fact that having a home is proof that your finances are in order.
  • Distant College Student Discount – Kids who live away from home to go to college and don’t have a car may be able to be covered for less.
  • New Vehicle Savings – Adding a new car to your policy can save you some money compared to insuring an older model.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Outlander Sport insurance with a few auto insurance companies.

One thing to note about discounts is that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

A list of companies and their possible discounts are:

  • State Farm may have discounts that include Steer Clear safe driver discount, passive restraint, accident-free, student away at school, and anti-theft.
  • Geico includes discounts for daytime running lights, anti-lock brakes, federal employee, multi-vehicle, air bags, five-year accident-free, and military active duty.
  • Allstate has discounts for premier plus, good student, senior citizen, new car, farm vehicle, and multi-policy.
  • SAFECO policyholders can earn discounts including safe driver, drive less, multi-car, anti-theft, and homeowner.
  • Farm Bureau offers premium reductions for driver training, good student, 55 and retired, multi-vehicle, youthful driver, and renewal discount.
  • Progressive discounts include online quote discount, continuous coverage, homeowner, multi-vehicle, and good student.
  • AAA may offer discounts for multi-car, multi-policy, education and occupation, AAA membership discount, and pay-in-full.

Before you buy a policy, ask every company which credits you are entitled to. A few discounts may not be available in your state. To view providers who offer online auto insurance quotes, follow this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there really is no perfect coverage plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might point out if you may require specific advice.

  • At what point should I drop full coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • What is an SR-22 filing?
  • Is my nanny covered when driving my vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I insured when driving a different vehicle?
  • Where can I find high-risk insurance?
  • When should I not file a claim?
  • What exactly is covered by my policy?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Mitsubishi Outlander Sport insurance price factors

It’s important that you understand a few of the rating criteria that are used to determine your policy premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that can help you get lower rates. Many different elements are used when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but other criteria are less apparent such as your marital status or how safe your car is.

The list below includes a few of the “ingredients” used by companies to determine premiums.

  • Save money by having multiple policies – Most insurance companies allow discounts for people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, you still need to compare other company rates to help ensure you have the lowest rates.
  • Costs impacted by vehicle usage – Driving more miles in a year’s time the higher your rate. The majority of insurers calculate rates based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than those used for commuting. It’s always a good idea to double check that your vehicle rating is showing how each vehicle is driven, because improper ratings can cost you money. An incorrectly rated Outlander Sport is just wasting money.
  • Teen drivers pay higher costs – Older people tend to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.Teen drivers are statistically shown to be less responsible with other occupants in the car and because of this, their insurance rates are much higher.
  • Inexpensive frequent claims are not good – Insurance companies provide lower rates to drivers that do not abuse their auto insurance. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Auto insurance is meant to be used in the event of claims that pose a financial burden.
  • Do you have a high stress occupation? – Did you know your job can affect your rates? Occupations like fire fighters, executives and miners have higher rates than average attributed to high stress and extremely grueling work hours. On the flip side, occupations such as professors, athletes and homemakers receive lower rates on Outlander Sport insurance.
  • lapses raise prices – Driving any period of time without insurance is a misdemeanor and as a result your rates will increase for letting your coverage lapse. Not only will you pay higher rates, failure to provide proof of insurance could earn you a hefty fine and possibly a revoked license.

Truth in auto insurance advertising

Consumers constantly see and hear ads that claim the best car insurance rates from the likes of Progressive, Geico, Allstate and State Farm. All the companies seem to make the promise about savings just by moving your policy.

How does every auto insurance company save you money? This is how they do it.

Different companies have underwriting criteria for the right customer that is profitable for them. An example of this type of insured might be described as over age 30, carries full coverage, and drives newer vehicles. Any driver that fits those parameters will get low rates and will save when they switch companies.

Potential customers who are not a match for these stringent criteria will probably have to pay higher premiums which usually ends up with the customer buying from someone else. If you pay attention, the ads say “people that switch” not “everyone who quotes” save that much when switching. That is how companies can make claims like that.

Each company has different criteria, so you need to do a quote comparison often. It’s not possible to predict which company will give you the biggest savings.

Insurance coverage breakdown

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Liability coverages

This coverage will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, bail bonds, pain and suffering, legal defense fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision protection

This covers damage to your Outlander Sport resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Mitsubishi Outlander Sport.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, damage from flooding, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like chiropractic care, dental work, hospital visits and X-ray expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Shop smart and save

When you buy insurance online, do not skimp on coverage in order to save money. There have been many situations where an accident victim reduced full coverage and learned later they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

You just read a lot of ways to get a better price on 2012 Mitsubishi Outlander Sport insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding cheaper insurance. Consumers may even find the lowest premium rates are with some of the lesser-known companies. Regional companies often have lower prices on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

More information can be found at these links: