2012 Mitsubishi Outlander Sport Insurance Quotes

Have you fallen victim to an underperforming, overpriced insurance policy? Trust us when we tell you there are many people just like you. Companies like State Farm, Progressive and Geico all claim big savings, bombarding you with advertising and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

Don’t miss out on these money-saving discounts

Companies offering auto insurance don’t always advertise every available discount very clearly, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving. If you’re not getting every credit available, you’re just leaving money on the table.

  • Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared with bad drivers.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Drivers Education – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Organization Discounts – Participating in a professional or civic organization could trigger savings when shopping for insurance for Outlander Sport coverage.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, companies don’t profit that way.

For a list of providers with discount insurance rates, click here.

Automobile Insurance Quotes

Getting better 2012 Mitsubishi Outlander Sport insurance pricing can be relatively painless. You just have to spend a few minutes on the computer comparing rates online from several insurance companies. This is very easy and can be done using a couple different methods.

  • The recommended way to get quotes is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do separate quotation requests for every insurance company. One form submission will get you price quotes from several companies.
  • A slightly less efficient method to find lower rates is going to the website of each company and fill out their own quote form. For sake of this example, let’s say you want to compare rates from Nationwide, Allstate and State Farm. To get each rate you have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but ensure you’re using apples-to-apples coverage limits on every quote you get. If your comparisons have higher or lower deductibles you will not be able to determine the best price for your Mitsubishi Outlander Sport.

Do I need special coverages?

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. These are some specific questions may help you determine if your situation could use an agent’s help.

  • What is the ISO rating for a 2012 Mitsubishi Outlander Sport?
  • Does my liability insurance cover pulling a trailer or camper?
  • At what point should I drop full coverage?
  • Should I have combined single limit or split liability limits?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I have a commercial auto policy?
  • How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

Parts of your car insurance policy

Learning about specific coverages of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages available from car insurance companies.

Coverage for collisions

Collision insurance will pay to fix damage to your Outlander Sport from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sideswiping another vehicle, hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like repair costs for stationary objects, bail bonds and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, fire damage, hail damage and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, X-ray expenses, ambulance fees and chiropractic care. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Mitsubishi Outlander Sport.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Make an honest buck

Affordable 2012 Mitsubishi Outlander Sport insurance is available on the web in addition to many insurance agents, so you should compare both to have the best selection. Some insurance providers do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

We just showed you a lot of ways to save on insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a small mutual company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. Too many times, an insured dropped uninsured motorist or liability limits and learned later that the savings was not a smart move. Your goal should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

More detailed auto insurance information can be found in these articles: