Save on 2014 Mitsubishi Outlander Car Insurance Quotes

Want cheaper insurance coverage rates for your Mitsubishi Outlander? Nobody I know looks forward to paying premiums for insurance coverage, in particular when they could find better rates elsewhere. Big companies like Allstate, Liberty Mutual and State Farm promote their brand names with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

The cheapest insurance

Finding low cost insurance rates is actually easier than you may think. Just spend a few minutes comparing rate quotes to see which company has the cheapest insurance quotes. Comparing prices online can be done in a couple of different ways.

  • The most efficient method to get quotes for comparison is a comparison rater form click to view form in new window. This form keeps you from doing repetitive form submissions for each company you want a rate for. In just a few minutes this one form gets you coverage quotes from multiple low-cost companies.
  • A more time consuming way to find lower rates is to manually visit the website for every company you want to comare and go through the quote process again. For example, we’ll pretend you want to get rates from Nationwide, Liberty Mutual and Farmers. To get each rate you have to spend time on each company’s site and repeatedly enter your information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

Whichever way you use, make sure you are using the exact same coverage data on every quote. If you are comparing higher or lower deductibles it will be next to impossible to decipher which rate is best.

Misconceptions in auto insurance advertisements

Consumers can’t get away from ads that claim the cheapest prices by Allstate, Geico and Progressive. They all seem to make an identical promise that you can save if you just switch your coverage to them.

How does every company offer you a better deal? This is the trick they use.

Different companies have specific criteria for the type of driver that earns them the most money. For example, a desirable risk may be over the age of 50, has a clean driving record, and chooses high deductibles. A customer getting a price quote that meets those criteria may get the lowest car insurance rates as well as save a lot if they switch.

Potential insureds who don’t qualify for those standards may receive higher prices and the prospect going elsewhere. The ad wording is “people that switch” but not “all drivers who get quotes” can save as much as they claim. That is how insurance companies can confidently advertise the savings. Because of the profiling, you really need to get as many free insurance quotes as possible. Because without a comparison, you cannot know the company that will have better rates than you’re paying now.

Choices you make can impact your insurance premiums

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that could result in lower car insurance prices.

  • Bad credit will cost you – An insured’s credit score is likely to be a major factor in your rate calculation. If your credit rating is lower than you’d like, you could pay less to insure your 2014 Mitsubishi Outlander by repairing your credit. Consumers who have very good credit scores tend to be better drivers and file fewer claims than drivers who have poor credit scores.
  • Premiums are high for teenagers – Older drivers are more responsible, cost insurance companies less in claims and receive fewer citations.Young drivers have been known to be easily distracted when driving therefore car insurance rates are much higher.
  • Cheaper rates after marriage – Getting married may save some money on your policy. Having a spouse generally demonstrates drivers are more mature and responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • Occupation impacts car insurance rates – Do you have a high-stress occupation? Jobs like doctorsairline pilots and medical professionals tend to have higher rates than average in part from high stress and lots of time spent away from family. On the other hand, professions such as professors, athletes and performers have lower than average premiums for Outlander coverage.
  • How much liability insurance – The liability section of your policy is the coverage that protects you if ever you are ruled to be at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Raise comp and collision deductibles and save – Physical damage insurance, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Examples of covered claims are a windshield shattered by a rock, flood damage, and damage caused by flying debris. Comp and collision deductibles tell how much you are willing to pay before a claim is paid by your company. The more you pay before a claim is paid (deductible), the less money you will pay for car insurance for Outlander coverage.
  • Your gender affects rates – Over the last 50 years, statistics have shown women are more cautious behind the wheel. Now that doesn’t mean females are better at driving than males. Both genders get in auto accidents at a similar rate, but males have costlier accidents. Men also statistically get more serious tickets like driving under the influence (DUI). Male teenagers generally have the highest accident percentage so it costs more to insure them.
  • Bundling policies can get discounts – Most insurance companies will award a discount to insureds who buy several policies from them such as combining an auto and homeowners policy. If you currently are using one company, it’s in your best interest to check prices from other companies to make sure you are getting the best deal.

Take policy discounts and save

Companies offering auto insurance do not list all disounts very clearly, so the list below contains some of the more common as well as the least known discounts that you may qualify for. If you’re not getting every credit you qualify for, you could be getting lower rates.

  • Theft Deterent – Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your insurance quote.
  • Accident Free – Drivers who stay claim-free can earn big discounts in comparison to bad drivers.
  • Student Discounts – Getting good grades can save 20 to 25%. The discount lasts until age 25.
  • Low Mileage Discounts – Keeping the miles down on your Mitsubishi can earn substantially lower prices.
  • Sign Online – Many larger companies will discount your bill up to fifty bucks for completing your application over the internet.
  • Government Employee Discount – Active or retired federal employment may reduce rates when you quote insurance for Outlander coverage depending on your company.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Multiple Cars – Buying a policy with multiple cars or trucks with one company could earn a price break for each car.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Bundled Policy Discount – If you have multiple policies with the same company you could earn a discount of at least 10 to 15 percent or more.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. Even though it appears it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will lower the amount you have to pay.

A partial list of companies who might offer these discounts include:

When getting free insurance quotes, it’s a good idea to every company which discounts you may be entitled to. Some discounts might not be offered on policies in every state. For a list of car insurance companies that offer some of these discounts, click here.

Which policy gives me the best coverage?

When buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you will benefit from professional help.

  • Should I buy full coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when driving on a suspended license?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is the difference between comprehensive and collision coverage?
  • Is extra glass coverage worth it?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Specifics of your auto insurance policy

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages available from auto insurance companies.

Liability coverage

This coverage will cover damage that occurs to a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as structural damage, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses for things like X-ray expenses, dental work, doctor visits, EMT expenses and surgery. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Mitsubishi Outlander.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, hitting a deer and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

Collision insurance covers damage to your Outlander resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, backing into a parked car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Keep this in mind

Throughout this article, we presented a lot of tips how to shop for 2014 Mitsubishi Outlander insurance online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on car insurance is with a lesser-known regional company. These smaller insurers often have lower auto insurance rates on specific markets compared to the large companies like Progressive and Geico.

Affordable 2014 Mitsubishi Outlander insurance is available online in addition to many insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. Some companies do not provide online price quotes and many times these smaller providers work with local independent agents.

While you’re price shopping online, you should never skimp on coverage in order to save money. There are too many instances where someone dropped collision coverage only to regret they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest cost.

Additional information can be read on the following sites: