2016 Mitsubishi Outlander Insurance Rates in 2024 – 6 Tips to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 16, 2024

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Trying to find the cheapest auto insurance rates for your Mitsubishi Outlander? Searching for the cheapest insurance for a Mitsubishi Outlander can be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates.

There is a right way and a wrong way to buy auto insurance so we’re going to tell you the proper way to price shop coverage for your Mitsubishi and obtain the lowest price.

It’s important to quote other rates before your next renewal because auto insurance prices change quite often. Even if you got the best rates on Outlander insurance two years ago you may be paying too much now. You can find a lot of wrong information about auto insurance out there, but by reading this article, you’re going to learn some excellent ideas to find affordable auto insurance.

Save with with these six discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. Certain credits will be shown at quote time, but some must be requested specifically before they will apply.

  • New Car Discount – Buying a new car model can get you a discount compared to insuring an older model.
  • Accident Waiver – This one isn’t a discount, but a few companies such as State Farm and Allstate allow you one accident before they charge you more for coverage if you are claim-free for a certain period of time.
  • Own a Home and Save – Just being a homeowner may trigger a policy discount on insurance because it requires personal responsibility.
  • Early Signing – Some insurance companies give discounts for buying a new policy before your current coverage expires. It’s a savings of about 10%.
  • Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more.
  • Passenger Safety Discount – Vehicles with factory air bags could see savings as much as 30%.

Drivers should understand that some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like you could get a free insurance policy, that’s just not realistic.

Companies and some of their more popular discounts include:

  • American Family may include discounts for Steer into Savings, bundled insurance, multi-vehicle, good student, air bags, and mySafetyValet.
  • Nationwide offers discounts for Farm Bureau membership, defensive driving, family plan, accident-free, multi-policy, and easy pay.
  • MetLife may have discounts that include good driver, good student, claim-free, defensive driver, multi-policy, and accident-free.
  • 21st Century has savings for good student, teen driver, air bags, 55 and older, defensive driver, driver training, and homeowners.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, electronic funds transfer, good student, business and professional, homeowner, distant student, and switch companies.
  • Allstate discounts include utility vehicle, good payer, multi-policy, good student, farm vehicle, and FullPay discount.

Before you buy a policy, ask each company or agent the best way to save money. Depending on the company, some discounts may not be offered everywhere. To view insurance companies that offer some of these discounts, enter your zip code here.

Which insurance is cheapest?

Getting a more affordable price on 2016 Mitsubishi Outlander insurance doesn’t have to be difficult. Just take time comparing rate quotes to discover which company has cheaper auto insurance quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • If you don’t have a lot of time, the easiest way to find the lowest comparison rates is to use a rate comparison form. This style of form saves time by eliminating repetitive form entry for every insurance company. Taking the time to complete one form gets prices estimates from many national carriers. It’s the fastest way to compare.
  • A harder way to find better pricing is spending the time to visit the website for every company you want to compare and repeat the quote process. For sake of this example, we’ll pretend you want to compare rates from State Farm, Progressive and GEICO. To get each rate you have to navigate to each company’s site and repeatedly type in your coverage information, which is why first method is recommended.

The approach you take is up to you, just make sure you are using the exact same information for every company. If your comparisons have different limits and deductibles on each one it’s not possible to get a fair rate comparison.

Your situation helps dictate your coverage

When choosing coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • When can I cancel my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is the ISO rating for a 2016 Mitsubishi Outlander?
  • If my 2016 Mitsubishi Outlander is totaled, can I afford another vehicle?
  • Is upholstery damage covered by car insurance?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and enter your zip code. It is quick, free and you can get the answers you need.

Car insurance 101

Knowing the specifics of a auto insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mitsubishi Outlander.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage covers damage to your Outlander from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sideswiping another vehicle, rolling your car, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as rehabilitation expenses, hospital visits, EMT expenses and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, damage from flooding and theft. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as legal defense fees, repair bills for other people’s vehicles, bail bonds, emergency aid and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Be a smart shopper

Affordable 2016 Mitsubishi Outlander insurance can be sourced from both online companies and from local agencies, so you need to shop auto insurance with both in order to have the best chance of saving money. Some insurance coverage companies do not offer online price quotes and these regional carriers only sell through independent agents.

Throughout this article, we presented some good ideas how to shop for 2016 Mitsubishi Outlander insurance online. The key concept to understand is the more price quotes you have, the better likelihood of getting inexpensive auto insurance. You may be surprised to find that the lowest car insurance rates come from a small local company.

As you shop your coverage around, never buy poor coverage just to save money. There have been many cases where someone dropped full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

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