Mitsubishi Outlander Insurance Quotes in Jacksonville

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It's hard to believe, but the majority of drivers have purchased from the same company for well over three years, and just short of a majority have never compared rates to find cheap insurance. Most drivers in Florida could cut their rates by almost $1,126 a year by just comparing rate quotes, but they just feel it's too hard to compare rates online.

Insurance for Mitsubishi OutlanderThe preferred way to find affordable quotes for car insurance rates in Jacksonville is to regularly compare prices from insurers that sell auto insurance in Florida.

  1. Spend a few minutes and learn about coverages and the modifications you can make to prevent high rates. Many risk factors that result in higher rates such as speeding tickets, accidents and poor credit rating can be eliminated by improving your driving habits or financial responsibility. Later in this article we will cover additional tips to get better rates and get additional discounts.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO and Allstate, while agents who are independent can quote rates for many different companies. Begin your rate comparison
  3. Compare the new rate quotes to your current policy premium and determine if cheaper Outlander coverage is available. If you find a lower rate and switch companies, make sure there is no lapse in coverage.
  4. Notify your agent or company of your intention to cancel your current auto insurance policy and submit payment along with a signed and completed policy application to your new carrier. As soon as coverage is bound, keep your new proof of insurance paperwork with the vehicle registration.

The key thing to know about shopping around is to try to use the same physical damage deductibles and liability limits on each price quote and and to look at every company you can. This helps ensure an apples-to-apples comparison and a complete price analysis.

If you have a current insurance policy or just want to save money, you can use these techniques to cut your premiums and still have adequate protection. Locating the most cost-effective insurance policy in Jacksonville is actually not that difficult if you follow our advice. Shoppers just need to know the quickest method to compare rate quotes online.

How to Lower Your Insurance Rates

Lots of factors are considered when you quote your car insurance policy. Some factors are common sense like an MVR report, but others are less obvious such as your marital status or how safe your car is.

Careless drivers pay higher costs - Being a careful driver has a big impact on rates. Drivers who don't get tickets get better prices than people who have multiple driving citations. Even one moving violation could increase your next policy renewal twenty percent or more. Drivers with dangerous violations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state DMV in order to prevent a license revocation.

The illustration below shows how speeding tickets and at-fault collisions can impact Mitsubishi Outlander premium costs for each different age group. The costs are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Marriage discount - Having a spouse actually saves money on your car insurance bill. It generally demonstrates drivers are less irresponsible and it's statistically proven that drivers who are married file infrequent claims.

Multiple policies with one company - Most larger insurers apply a discount to insureds that purchase more than one policy. It's known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, it's in your best interest to shop around to help guarantee you have the best rates. Drivers may still find lower rates by buying car insurance from a different company.

Your liability protection limits - Liability coverage provides coverage if ever you are found to be at fault for physical damage or personal injury to other. Liability insurance provides legal defense coverage which can cost a lot. It is affordable coverage when compared with rates for comp and collision, so do not cut corners here.

Mitsubishi Outlander insurance loss data - Insurers use statistical claims data to determine a price that will be profitable for them. Models that the data shows to have higher losses will have a higher premium rate.

The information below illustrates the historical insurance loss data for Mitsubishi Outlander vehicles. For each policy coverage type, the claim probability for all vehicles averaged together is considered to be 100. Numbers below 100 mean the vehicle has better than average losses, while percentage numbers above 100 point to more frequent losses or an increased probability of a larger loss.

Mitsubishi Outlander Insurance Claim Statistics
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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Coverage analysis

The premium table below covers different coverage costs for Mitsubishi Outlander models. Learning how auto insurance prices are determined is important to be able to make smart choices when comparing insurance rates.

Mitsubishi Outlander Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $256 $504 $430 $26 $128 $1,344 $112
Outlander SE 4WD $256 $504 $430 $26 $128 $1,344 $112
Outlander SE 4WD $256 $504 $430 $26 $128 $1,344 $112
Outlander SE 2WD $256 $504 $430 $26 $128 $1,344 $112
Outlander SE 2WD $256 $504 $430 $26 $128 $1,344 $112
Outlander ES 4WD $256 $504 $430 $26 $128 $1,344 $112
Outlander XLS 2WD $290 $594 $430 $26 $128 $1,468 $122
Outlander XLS 4WD $290 $594 $430 $26 $128 $1,468 $122
Outlander GT-S AWC 4WD $290 $594 $430 $26 $128 $1,468 $122
Outlander GT-S AWC 4WD $290 $594 $430 $26 $128 $1,468 $122
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium costs do not factor in your specific Jacksonville location which can alter premium rates substantially.

Physical damage deductibles

When comparing car insurance rates, the most common question is how high should your deductibles be. The rates below determine the cost difference when you choose different physical damage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Mitsubishi Outlander insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $358 $648 $354 $20 $106 $1,511 $126
Outlander SE 4WD $358 $648 $354 $20 $106 $1,511 $126
Outlander SE 4WD $358 $648 $354 $20 $106 $1,511 $126
Outlander SE 2WD $358 $648 $354 $20 $106 $1,511 $126
Outlander SE 2WD $358 $648 $354 $20 $106 $1,511 $126
Outlander ES 4WD $358 $648 $354 $20 $106 $1,511 $126
Outlander XLS 2WD $406 $764 $354 $20 $106 $1,675 $140
Outlander XLS 4WD $406 $764 $354 $20 $106 $1,675 $140
Outlander GT-S AWC 4WD $406 $764 $354 $20 $106 $1,675 $140
Outlander GT-S AWC 4WD $406 $764 $354 $20 $106 $1,675 $140
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Mitsubishi Outlander insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $262 $438 $354 $20 $106 $1,180 $98
Outlander SE 4WD $262 $438 $354 $20 $106 $1,180 $98
Outlander SE 4WD $262 $438 $354 $20 $106 $1,180 $98
Outlander SE 2WD $262 $438 $354 $20 $106 $1,180 $98
Outlander SE 2WD $262 $438 $354 $20 $106 $1,180 $98
Outlander ES 4WD $262 $438 $354 $20 $106 $1,180 $98
Outlander XLS 2WD $296 $516 $354 $20 $106 $1,292 $108
Outlander XLS 4WD $296 $516 $354 $20 $106 $1,292 $108
Outlander GT-S AWC 4WD $296 $516 $354 $20 $106 $1,292 $108
Outlander GT-S AWC 4WD $296 $516 $354 $20 $106 $1,292 $108
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in vehicle location which can raise or lower coverage prices significantly.

Based on the above data, using a $100 deductible costs roughly $30 more each month or $360 annually than requesting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 13 months between claim filings, you would come out ahead going with the higher deductible.

Discounts can help save money on Mitsubishi Outlander insurance in Jacksonville

Companies offering auto insurance don't list every possible discount very well, so we took the time to find some of the more common and also the more inconspicuous credits available to lower your premiums when you buy Jacksonville auto insurance online.Car insurance discounts

  • Use Seat Belts - Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Distant Student - Any of your kids who live away from home to go to college and do not take a car to college can receive lower rates.
  • Clubs and Organizations - Affiliation with qualifying employment or professional organizations could earn you a nice discount on your bill.
  • Discount for Passive Restraints - Cars that have air bags can qualify for discounts as much as 30%.
  • No Accidents - Good drivers with no accidents pay less in comparison with insureds who have frequent claims or accidents.
  • Jacksonville Homeowners Pay Less - Simply owning a home can help you save on car insurance since home ownership means you have a higher level of financial diligence.

Policy discounts save money, but most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So even though they make it sound like you could get a free car insurance policy, it doesn't quite work that way.

The example below compares Mitsubishi Outlander yearly insurance costs with and without policy discounts. The information is based on a female driver, a clean driving record, no claims, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, claim-free, multi-policy, and homeowner discounts applied.

A list of car insurance companies and some of their more popular discounts can be found below.

  • Progressive has savings for online quote discount, homeowner, multi-policy, multi-vehicle, and good student.
  • AAA policyholders can earn discounts including multi-car, anti-theft, multi-policy, AAA membership discount, good student, and good driver.
  • Farmers Insurance offers discounts including switch companies, homeowner, alternative fuel, youthful driver, distant student, and electronic funds transfer.
  • GEICO may have discounts that include daytime running lights, federal employee, anti-theft, membership and employees, good student, driver training, and multi-vehicle.
  • Esurance has discounts for multi-policy, multi-car, renters, paid-in-full, and online shopper.
  • SAFECO may offer discounts for anti-lock brakes, homeowner, drive less, teen safe driver, and accident prevention training.
  • State Farm discounts include Steer Clear safe driver discount, defensive driving training, passive restraint, student away at school, multiple policy, and good student.

If you need affordable Mitsubishi Outlander insurance quotes, ask every company to apply every possible discount. Discounts may not be offered in your area.

The most affordable rates come from being thorough

We covered a lot of techniques to find lower-cost Mitsubishi Outlander insurance in Jacksonville. The key concept to understand is the more you quote Jacksonville auto insurance, the better your chances of lowering your rates. You may even be surprised to find that the lowest priced car insurance comes from a company that doesn't do a lot of advertising. They may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

Some insurance providers may not have online price quotes and many times these regional insurance providers prefer to sell through local independent agencies. More affordable car insurance in Jacksonville is definitely available online and from local insurance agents, so you should compare both in order to have the best chance of saving money.

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