I can’t think of anyone who likes having to buy auto insurance, in particular when they are paying too much.
With consumers having so many companies and agents to choose from, it is hard for the average consumer to find the cheapest insurance company.
There are a lot of ways to compare car insurance quotes, but some are less time-consuming than others. You could spend your day talking to insurance agencies in your area, or you can utilize the internet for quick rates.
Many of the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and each participating company can provide price quotes determined by their information. This saves time by eliminating repetitive form submissions for each company you want a rate for.
To compare 2013 Mitsubishi Outlander rates using this form now click to open in new window.
The one disadvantage to pricing coverage this way is you are unable to specify the companies you want to price. So if you want to choose specific providers to receive pricing from, we have a page of the cheapest car insurance companies in your area. Click to view list.
Whichever method you choose, ensure you are comparing the exact same coverage information for each price quote. If you are comparing higher or lower deductibles it will be impossible to make a fair comparison for your Mitsubishi Outlander. Slightly different limits may result in large price differences. Keep in mind that comparing a large number of companies helps you find a lower rate.
Companies do not list every available discount very well, so we researched both the well known and also the lesser-known savings tricks you should be using.
As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, you’re out of luck.
A partial list of companies that possibly offer these benefits are:
Before buying, ask all companies you are considering what discounts are available to you. Discounts may not apply in your state.
When buying proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help highlight if your situation may require specific advice.
If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.
Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.
Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as hitting a bird, damage from getting keyed, damage from flooding, vandalism and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mitsubishi Outlander.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Collision coverage – This covers damage to your Outlander from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as colliding with another moving vehicle, scraping a guard rail and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like ambulance fees, dental work, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Liability car insurance – This provides protection from damage that occurs to other people or property that is your fault. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for things like medical expenses, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.
Discount 2013 Mitsubishi Outlander insurance is available online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.
As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. There have been many cases where an insured dropped physical damage coverage only to discover later that it was a big mistake. Your strategy should be to buy a smart amount of coverage at a price you can afford.
Additional information is available at these links: