2023 Mitsubishi Outlander Sport Insurance Cost in 2024

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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: May 13, 2024

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Want lower auto insurance rates for your Mitsubishi Outlander Sport? Did a good deal turn out to be high-priced auto insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive auto insurance. Because you have many insurance companies to choose from, it can be impossible to choose a lower cost insurer.

This information will teach you the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you should be able to save some money using these techniques. Drivers only need an understanding of the tricks to compare prices online.

Compare insurance coverage quotes online

Finding more affordable 2023 Mitsubishi Outlander Sport insurance coverage rates is an easy way to save money. All you need to do is invest a little time comparing price quotes to find the company with the cheapest insurance quotes. Insurance prices can be quoted in just a few minutes using one of these methods.

The fastest and easiest way consumers can make multiple comparisons would be an industry-wide quote request form. This style of form saves time by eliminating repetitive form entry for each company you want a rate for. One quote request gets coverage cost estimates from all major companies.

A different way to get quotes online requires a visit to the website of each company to complete a price quote. For examples sake, we’ll pretend you want to compare prices for GEICO, Progressive and Allstate. In order to compare rates, you need to spend time going to each site individually and repeatedly enter your information, and that explains why we recommend the first method.

If you have time to kill, the last method to get rate quotes is calling or driving to insurance agencies in your area. Comparing rates online eliminates the middleman unless you have a complicated situation and need the professional assistance of a local agency. Although you can price shop online but have your policy serviced through an agent.

The approach you take is up to you, just compare identical coverage limits on every quote. If you enter mixed coverages it’s not possible to truly determine the lowest rate.

The ad said I’d save $464 a year!

Consumers constantly see and hear ads that claim the best rates from companies such as GEICO, State Farm and Progressive. All the companies make the same claim that you’ll save big after switching your policy.

That’s great but how can every company make almost identical claims? Just pay attention to how they say it.

All the different companies give the cheapest rates for the type of customer that earns them the highest profit. For instance, this type of driver may be between the ages of 30 and 45, insures multiple vehicles, and has great credit. A driver that meets those criteria receives the best car insurance rates and will most likely cut their rates substantially.

Potential customers who don’t measure up to the “perfect” profile will get a higher premium which translates to the customer buying from a different company. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can make the claims of big savings.

This emphasizes why it is so important to get price quotes at each policy renewal. It is just not possible to predict which auto insurance company will provide you with the cheapest car insurance rates.

Mitsubishi Outlander Sport insurance premium factors

Lots of factors are part of the calculation when you get your auto insurance bill. Most are fairly basic such as your driving record, but some are not quite as obvious such as your marital status or how safe your car is.

  • Tickets hurt – A bad driving record influences premium rates substantially. Good drivers receive lower rates compared to bad drivers. Just one moving violation can boost insurance rates by twenty percent. People who have dangerous violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to continue driving.
  • Safer cars cost less to insure – Safe vehicles can get you lower premiums. Safer cars result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Mitsubishi Outlander Sport earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Insure your auto and home with one company – Most major companies afford lower prices to buyers that buy multiple policies. It’s known as a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even if you already get this discount, drivers will still want to compare rates to ensure the best deal. There is a good possibility that you can save even more than the discount even if you insure with multiple companies.
  • Long commutes cost more – The more miles you rack up on your Mitsubishi in a year’s time the more it will cost to insure it. Most companies price each vehicle’s coverage partially by how you use the vehicle. Cars that are left in the garage receive lower rates than those used for commuting. Having an incorrect usage rating on your Outlander Sport may be costing you. It’s a smart idea to ensure your auto insurance declarations sheet correctly shows annual mileage, because improper ratings can cost you money.
  • Eliminate unneeded add-on coverages – Insurance companies have many extra add-on coverages that may not really be needed if you aren’t careful. Things like rental car reimbursement, towing, and extra life insurance coverage may be costing you every month. These may sound like a good investment at first, but if you have no use for them think about removing them and cutting costs.
  • High comp and collision deductibles equal low rates – Physical damage protection, also called ‘full coverage’, insures against damage to your Mitsubishi. Examples of covered claims are collision with another vehicle, damage from fire, and damage caused by flying debris. Physical damage deductibles are how much you are required to pay in the event of a claim. The higher the amount you have to pay, the lower your rates will be for Outlander Sport insurance.

Are you qualifying for every discount?

Properly insuring your vehicles can get expensive, but there could be significant discounts that may help make it more affordable. Certain discounts will be triggered automatically when you quote, but some need to be asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Defensive Driver Discount – Taking part in a safe driver course may get you a small discount and also improve your driving technique.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could earn discounted rates on garaged vehicles.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
  • Telematics Data – Insureds that choose to allow driving data collection to study driving manner remotely such as Snapshot from Progressive or Drivewise from Allstate may see discounts if their driving habits are good.
  • Distant College Student Discount – Kids who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
  • Life Insurance – Insurance coverage companies who offer life insurance give a lower premium rate if you buy a life insurance policy as well.
  • Federal Government Employee – Active or retired federal employment may reduce rates when you quote insurance for Outlander Sport insurance depending on your company.
  • Own a Home – Owning a home can help you save on insurance coverage because it is proof that your finances are in order.
  • Cautious Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates for Outlander Sport insurance compared to rates paid by drivers with frequent claims.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

Companies and the discounts they provide can be found below.

  • State Farm discounts include Steer Clear safe driver discount, good student, multiple policy, safe vehicle, accident-free, passive restraint, and Drive Safe & Save.
  • GEICO has savings for driver training, membership and employees, anti-lock brakes, five-year accident-free, and multi-policy.
  • Allstate offers discounts including defensive driver, good student, resident student, teenSMART discount, passive restraint, premier discount, and senior citizen.
  • SAFECO may include discounts for bundle discounts, teen safe driver, safe driver, homeowner, multi-car, accident prevention training, and drive less.
  • Farm Bureau offers premium reductions for driver training, 55 and retired, good student, safe driver, youthful driver, multi-vehicle, and renewal discount.
  • Progressive offers discounts for online signing, continuous coverage, homeowner, multi-policy, multi-vehicle, online quote discount, and good student.
  • AAA has discounts for anti-theft, AAA membership discount, good student, education and occupation, good driver, multi-car, and multi-policy.

It’s a good idea to ask each company how you can save money. Some credits may not apply to policies in your state. If you would like to view insurance coverage companies that offer multiple discounts, enter your zip code here.

When in doubt talk to an agent

When choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • Do I need replacement cost coverage?
  • Are rock chip repairs covered?
  • Do I need to file an SR-22 for a DUI in my state?
  • How much liability do I need to cover my assets?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out your zip code. It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Understanding the coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for expenses like surgery, hospital visits, ambulance fees and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This coverage pays for damage to your Outlander Sport caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a bird and falling objects. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance – This protects you from damage that occurs to other people or property in an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like legal defense fees, funeral expenses, bail bonds and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

More quotes mean more savings

We just covered some good ideas how you can compare 2023 Mitsubishi Outlander Sport insurance prices online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with some of the lesser-known companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

A few companies do not offer internet price quotes and usually these small insurance companies work with independent insurance agencies. The cheapest 2023 Mitsubishi Outlander Sport insurance is possible from both online companies and from local agencies, and you should be comparing both in order to have the best price selection to choose from.

While you’re price shopping online, you should never buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to find out that it was a big mistake. Your objective should be to buy enough coverage at the best cost and still be able to protect your assets.

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