How Much Does 2013 Mitsubishi Outlander Sport Car Insurance Cost?

Want lower insurance coverage rates for your Mitsubishi Outlander Sport? Trying to find low-cost insurance for a Mitsubishi Outlander Sport can turn out to be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to shop for insurance coverage and you need to know the proper way to compare rates on a Mitsubishi and obtain the lowest price.

Components of your Mitsubishi Outlander Sport insurance prices

Lots of factors are part of the calculation when you quote your car insurance policy. Some are obvious like a motor vehicle report, although some other factors are less obvious like where you live or your financial responsibility.Part of the car insurance buying process is learning some of the things that aid in calculating the rates you pay for car insurance. If you know what controls the rates you pay, this helps enable you to make changes that may result in big savings.

The list below includes some of the most common factors used by insurance companies to determine premiums.

  • Your occupation may affect premiums – Did you know that where you work can have an impact on rates? Jobs such as judges, executives and miners are shown to have the highest average rates in part from intense work requirements and incredibly demanding work hours. On the other hand, professions such as scientists, athletes and homemakers generally pay rates lower than average on Outlander Sport coverage.
  • Increase comp and collision deductibles to save – Physical damage coverage, also called ‘full coverage’, helps pay for damage to your vehicle. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, and burglary. Deductibles for physical damage define the amount you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Outlander Sport coverage.
  • Be proud to be claim-free – Companies generally give lower rates to policyholders who are not frequent claim filers. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Insurance coverage is designed for major claims that would cause financial hardship.
  • Premiums drop with age – More mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents , and are generally more financially stable.Young drivers are proven to be careless and easily distracted when at the wheel of a vehicle so they pay higher car insurance rates.
  • Decrease car insurance rates by maintaining coverage – Not maintaining insurance can get your license suspended and you may have a hard time finding new coverage because you let your coverage lapse. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Premiums increase with driving tickets – Whether or not you get tickets can have a huge impact on auto insurance premiums. Getting just one chargable violation can increase the cost of insurance to the point where it’s not affordable. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Drivers unfortunate enough to have severe violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to continue driving.
  • How do annual miles impact costs? – The more you drive your Mitsubishi every year the more you will pay for car insurance. Many insurance companies rate vehicles partially by how you use the vehicle. Vehicles that sit idle most of the time receive lower rates than cars that get driven a lot. A policy that improperly rates your Outlander Sport is just wasting money. Verify your car insurance coverage reflects the right rating data.

Ways to get insurance coverage rate quotes

Reducing your 2013 Mitsubishi Outlander Sport insurance rates is surprisingly easy. Just take a few minutes to compare rate quotes provided by online insurance companies. Insurance prices can be quoted by using one of the methods below.

One of the fastest ways to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do separate forms for each company you want a rate for. Filling out one form compares rates from many national carriers. This is by far the quickest method.

A harder way to compare rate quotes consists of going to each individual company website and repeat the quote process. For instance, let’s say you need rates from Geico, Liberty Mutual and American Family. To get each rate you have to spend time on each company’s site to input your insurance information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

How you compare quotes is your choice, just make darn sure you compare the exact same quote information on every quote. If you have different values for each quote then you won’t be able to determine which company has the best rates.

But they said I’d save $436 a year!

Consumers get pounded daily by advertisements that claim the cheapest car insurance rates from the likes of State Farm, Geico and Progressive. They all seem to make the point about how much you will save just by moving your policy.

That’s great but how can every company sell you cheaper insurance coverage? It’s all in the words they use.

Insurance providers require specific criteria for the type of driver that will not have excessive claims. An example of a driver they prefer could be over the age of 35, has no tickets, and drives a lower-performance vehicle. Someone that meets those criteria will qualify for the lowest rates and will also save quite a bit of money when switching.

Potential insureds who cannot meet those criteria will have to pay higher premiums and the driver buying from a lower-cost company. The wording the ads use say “people that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can truthfully make claims that they all have the best rates.

This really emphasizes why it’s extremely important to get price quotes at each policy renewal. It’s not possible to predict the company that will have better prices than you’re paying now.

Discounts for cheap insurance quotes

Companies that sell car insurance do not advertise every available discount in an easy-to-find place, so below is a list a few of the more well known in addition to some of the lesser obvious insurance savings. If you are not receiving all the discounts available, you could be saving more on your insurance.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
  • Auto/Life Discount – Insurance companies who offer life insurance give a break if you buy some life insurance too.
  • Pay Upfront and Save – If you can afford to pay the entire bill instead of making monthly payments you may have a lower total premium amount.
  • Telematics Devices – Drivers that enable driving data collection to analyze when and where they use their vehicle by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they have good driving habits.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents and earn discounts up to 10%.
  • Discount for Home Ownership – Owning a home can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.

You should keep in mind that many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of providers who offer insurance discounts, click here to view.

You may need specialized auto insurance coverage

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether or not you may require specific advice.

  • Will my insurance pay for OEM parts?
  • Do I need added coverage for expensive stereo equipment?
  • Do I pay less for low miles?
  • How do I buy GAP insurance?
  • Can my teen drive my company car?
  • Which companies will insure high-risk drivers?
  • Do I need an umbrella policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage basics

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability coverages – This coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like funeral expenses, legal defense fees and attorney fees. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Collision coverages – Collision coverage covers damage to your Outlander Sport resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, backing into a parked car, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses such as hospital visits, nursing services, dental work and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, theft and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Shop around and save

We just presented quite a bit of information on how to get a better price on 2013 Mitsubishi Outlander Sport insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding low cost insurance coverage. Consumers may even find the best car insurance rates are with a company that doesn’t do a lot of advertising.

Consumers leave their current company for many reasons like extreme rates for teen drivers, questionable increases in premium, lack of trust in their agent or even an unsatisfactory settlement offer. No matter why you want to switch, finding a new company is not as hard as you think.

When searching for cheap insurance coverage quotes, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at the best cost while not skimping on critical coverages.

Additional information