To save the most money, the best way to get cheaper Mitsubishi Outlander insurance is to regularly compare quotes from different companies who sell insurance in Virginia Beach.
Step 1: Spend some time learning about how auto insurance works and the changes you can make to lower rates. Many things that drive up the price such as inattentive driving and an unacceptable credit rating can be rectified by making minor changes to your lifestyle.
Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of insurance providers.
Step 3: Compare the new quotes to your existing coverage to see if a cheaper rate is available. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide proper notification to your current company to cancel the current policy and submit the signed application along with the required initial payment to the new company. Once received, keep your new proof of insurance certificate somewhere easily accessible.
The key aspect of shopping around is to compare the same coverage limits and deductibles on each price quote and and to look at as many different companies as possible. This provides the most accurate price comparison and the best price selection.
Unfortunately, the vast majority of consumers renewed their policy with the same company for four years or more, and approximately 40% of consumers have never quoted rates to find cheap coverage. Consumers in Virginia can save hundreds of dollars each year just by comparing rates, but they think it’s difficult to find cheap rates by getting comparison quotes.
If you have coverage now or just want to save money, you can use these tips to cut your premiums without sacrificing coverage. The purpose of this post is to help educate you on how to compare rates easily. Shoppers just have to understand the most efficient way to shop online.
Finding a lower price on Mitsubishi Outlander insurance can be quick and easy. The only thing you need to do is spend a few minutes on the computer comparing rates online with multiple companies.
The car insurance companies shown below offer quotes in Virginia Beach, VA. If you want to find cheaper car insurance in VA, it’s highly recommended you visit several of them in order to find the most affordable rates.
Virginia Beach car insurance discounts
Some insurance providers don’t necessarily list every discount they offer in an easy-to-find place, so we took the time to find a few of the more well known and the more hidden discounts you could be receiving when you buy Virginia Beach car insurance online.
- Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill and make you a better driver.
- Policy Bundle Discount – If you can combine your auto and home policy with the same insurance company you could save up to 20% and get you cheap Outlander insurance.
- Lower Rates for Military – Having an actively deployed family member could qualify you for better rates.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents and will save you 10% or more on Outlander insurance in Virginia Beach.
- Passive Restraints – Factory options such as air bags can receive discounts of more than 20%.
- Own a Home and Save – Owning a home in Virginia Beach can save you money since owning and maintaining a home requires a higher level of personal finance.
As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free car insurance policy, insurance companies wouldn’t stay in business.
The example below visualizes the comparison of Mitsubishi Outlander yearly insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, no violations or claims, Virginia state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, multi-car, safe-driver, and multi-policy discounts applied.
A few popular companies and some of their more popular discounts are shown below.
- Progressive has savings for online quote discount, multi-policy, online signing, homeowner, good student, multi-vehicle, and continuous coverage.
- The Hartford may include discounts for good student, driver training, anti-theft, air bag, vehicle fuel type, defensive driver, and bundle.
- Mercury Insurance policyholders can earn discounts including anti-theft, professional/association, type of vehicle, accident-free, and annual mileage.
- GEICO discounts include federal employee, membership and employees, driver training, daytime running lights, air bags, and emergency military deployment.
- AAA may offer discounts for good student, education and occupation, anti-theft, multi-policy, multi-car, good driver, and pay-in-full.
- State Farm has discounts for defensive driving training, good driver, driver’s education, multiple policy, and multiple autos.
Check with every company to apply every possible discount. Savings might not be available to policyholders in your state.
Mitsubishi Outlander insurance charts and tables
The premium table shown next showcases detailed analysis of coverage prices for Mitsubishi Outlander models. Having a better understanding of how rate quotes are formulated can be valuable when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlander ES 2WD | $252 | $400 | $286 | $16 | $86 | $1,040 | $87 |
| Outlander SE 4WD | $252 | $400 | $286 | $16 | $86 | $1,040 | $87 |
| Outlander SE 4WD | $252 | $400 | $286 | $16 | $86 | $1,040 | $87 |
| Outlander SE 2WD | $252 | $400 | $286 | $16 | $86 | $1,040 | $87 |
| Outlander SE 2WD | $252 | $400 | $286 | $16 | $86 | $1,040 | $87 |
| Outlander ES 4WD | $252 | $400 | $286 | $16 | $86 | $1,040 | $87 |
| Outlander XLS 2WD | $284 | $472 | $286 | $16 | $86 | $1,144 | $95 |
| Outlander XLS 4WD | $284 | $472 | $286 | $16 | $86 | $1,144 | $95 |
| Outlander GT-S AWC 4WD | $284 | $472 | $286 | $16 | $86 | $1,144 | $95 |
| Outlander GT-S AWC 4WD | $284 | $472 | $286 | $16 | $86 | $1,144 | $95 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in specific Virginia Beach garaging location which can modify premiums substantially.
Annual premiums for males versus females
The example below visualizes the comparison of Mitsubishi Outlander car insurance rates for male and female drivers. The prices are based on no claims, a clean driving record, full coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.
Compare rates but buy from a local Virginia Beach insurance agent
A lot of people prefer to buy from a local agent and that is a personal choice. Most agents will help you protect your assets and help you file claims. One of the benefits of getting free rate quotes online is the fact that drivers can get cheaper rates but still work with a licensed agent. Supporting local insurance agents is important especially in Virginia Beach.
After filling out this short form, the quote information gets sent to agents in your area who will gladly provide quotes to get your business. You won’t even need to find an agent on your own due to the fact that quote results will go instantly to you. If you wish to get a price quote from a specific insurance company, you would need to find their quoting web page and submit a quote form there.
Shown below is a short list of car insurance companies in Virginia Beach who can help you get comparison quotes for Mitsubishi Outlander insurance in Virginia Beach.
- Rhonda Floasin – State Farm Insurance Agent
1115 Independence Blvd #214 – Virginia Beach, VA 23455 – (757) 363-7376 – View Map - Bunn Insurance Agency Inc
1248 Culver Ln – Virginia Beach, VA 23454 – (757) 426-2664 – View Map - The Coelho insurance agency
800 Seahawk Cir #142 – Virginia Beach, VA 23452 – (757) 437-9647 – View Map - Nationwide Insurance: Chesson Insurance Agency Inc
307 Lynnhaven Pkwy Ste 201 – Virginia Beach, VA 23452 – (757) 464-4443 – View Map
Picking an insurer needs to be determined by more than just a low price. The following questions are important to ask.
- Do they offer rental car reimbursement?
- Are they giving you every discount you deserve?
- Do they have a Better Business Bureau rating in Virginia Beach?
- Which company do they place the most coverage with?
- Do they regularly work with personal auto policies in Virginia Beach?
- Are they in the agency full-time?
Informed Consumers Know How to Get Auto Insurance More Affordably
An important part of buying insurance is that you know the different types of things that help determine your auto insurance rates. If you have a feel for what impacts premium levels, this helps enable you to make changes that could help you find cheaper rates. Lots of factors are used in the calculation when premium rates are determined. Some are obvious such as your driving history, but others are less obvious such as your credit history or how financially stable you are.
- Single drivers may pay more – Having a significant other may earn you lower rates when shopping for auto insurance. Having a spouse translates into being more mature and responsible and statistics prove married drivers tend to file fewer claims.
- Low physical damage deductibles cost more – Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Examples of some claims that would be covered could be a windshield shattered by a rock, hail damage, and burglary. Comp and collision deductibles represent how much money the insured will be required to pay before a claim is paid by your company. The higher the amount the insured has to pay upfront, the better rate you will receive.
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Traffic violations can increase prices – Your driving citation history impacts your car insurance rates tremendously. Careful drivers get better rates as compared to those with violations. Even one speeding ticket or other violation can increase the cost of insurance substantially. Drivers who have received dangerous tickets such as DUI, reckless driving or excessive speeding may find they need to file a SR-22 with the DMV in their state in order to prevent their license from being revoked.
The information below demonstrates how citations and accidents drive up Mitsubishi Outlander auto insurance costs for different insured age categories. The premiums are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
- Lower prices with uninterrupted coverage – Driving without insurance coverage in place can get your license suspended and you may have a hard time finding new coverage because you let your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage can result in a steep fine or even jail time.
- Liability protection limits are a factor – A critical coverage on your policy, liability insurance is the protection when you are found liable for damages from an accident. It provides legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
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Drive a fast car and pay more – The performance level of the car you are buying insurance for makes a huge difference in your auto insurance rates. Lower cost passenger vehicles generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.
The next chart uses these assumptions: single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. The data compares Mitsubishi Outlander car insurance rates compared to other makes and models that have a range of performances.
- Vehicle theft costs us all – Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all help stop car theft and help bring rates down.
- Keep policy claims to a minimum – If you file claims often, you can expect either policy cancellation or increased premiums. Car insurance companies in Virginia generally give discounts to policyholders who do not rely on their insurance for small claims. Insurance coverage is designed for major claims that would cause financial hardship.
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Mitsubishi Outlander insurance claim data – Companies analyze the history of losses when they set coverage costs for each model. Vehicles that the statistics show to have higher loss trends will cost more for specific coverages. The table below outlines the insurance loss data for Mitsubishi Outlander vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is set at 100. Numbers shown that are under 100 are indicative of better than average losses, while numbers that are greater than 100 point to more claims or a tendency for claims to be larger.
Insurance Loss Ratings for Mitsubishi Outlander Vehicles Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Mitsubishi Outlander 4dr 2WD 117 104 119 155 Mitsubishi Outlander 4dr 4WD 116 93 140 115 Mitsubishi Outlander Sport 4dr 2WD 116 121 99 165 146 129 Mitsubishi Outlander Sport 4dr 4WD 109 118 123 124 139 112 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three good reasons to insure your Mitsubishi Outlander
Despite the high cost of buying insurance for a Mitsubishi Outlander in Virginia Beach, insuring your vehicle is required in Virginia but also provides important benefits.
- The majority of states have mandatory insurance requirements which means state laws require a minimum amount of liability coverage in order to drive the car. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you have a loan on your Mitsubishi Outlander, it’s most likely the lender will require that you buy insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank may insure your Mitsubishi for a lot more money and make you pay for it.
- Insurance protects your Mitsubishi Outlander and your assets. Insurance will pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of carrying enough insurance more than cancel out the cost, particularly when you have a large claim. According to a recent study, the average American driver overpays as much as $855 a year so you should quote rates every year to be sure current rates are still competitive.
How much can you save?
In this article, we presented many tips how you can lower your Mitsubishi Outlander insurance premium rates in Virginia Beach. The key concept to understand is the more times you quote, the better chance you’ll have of finding affordable Mitsubishi Outlander insurance quotes. Consumers may even find the most savings is with a smaller regional carrier.
Consumers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, unfair underwriting practices or even high rates after DUI convictions. Regardless of your reason for switching companies, finding a new auto insurance company can be pretty painless.
When shopping online for auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, someone dropped comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your focus should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.
Much more information about auto insurance in Virginia is located at the links below