Save on Mitsubishi Outlander Insurance in Philadelphia

Insurance quote for Mitsubishi Outlander in PhiladelphiaDo you need a better way to compare more competitive Mitsubishi Outlander insurance in Philadelphia? Finding cheaper insurance for a Mitsubishi Outlander in Pennsylvania can turn out to be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to quote coverages for a new or used Mitsubishi and get the cheapest rates.

Remarkably, a study showed that the vast majority of consumers renewed their policy with the same company for a minimum of four years, and almost 40% of drivers have never shopped around. Pennsylvania consumers can save $686 each year just by getting comparison quotes, but they don’t want to take the time to find lower-cost insurance by shopping around.

It’s a good idea to compare prices as often as possible because insurance prices trend upward over time. If you had the best deal on Mitsubishi Outlander insurance in Philadelphia six months ago a different company probably has better premium rates today. There is lot of inaccurate information about Outlander insurance on the web, but by reading this article, you’re going to learn some tested techniques to save money.

If you already have coverage or just want a better rate, use these tips to find better prices without reducing coverage. Comparing quotes for more affordable policy in Philadelphia is easy to do. Consumers just have to understand how to shop their coverage around from many different companies.

Six factors that determine insurance premiums

Multiple criteria are used in the calculation when pricing auto insurance. Some are pretty understandable such as your driving record, but some are not quite as obvious like your vehicle usage or how financially stable you are.

The factors shown below are just a few of the factors used by your company to calculate rates.

Fast cars cost more to insure – The performance level of the car you drive makes a big difference in your rates. The cheapest insurance rates are generally reserved for economy passenger vehicles, but the cost you end up paying is determined by many additional factors.

The following chart uses these assumptions: single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Mitsubishi Outlander rates compared to other models of vehicles that have different performances.

Reserve claims for larger damages – Companies in Pennsylvania give better rates to people who do not file claims often. If you tend to file frequent claims, you can look forward to increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for more catastrophic claims.

Better premiums for continuous coverage – Not maintaining insurance is a big no-no and car insurance companies will penalize you for letting your coverage cancel without a new policy in place. Not only will you pay more, failure to provide proof of insurance could earn you a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with the Pennsylvania department of motor vehicles.

Additional coverages that may be costing you – There are a lot of extra coverages that can add up when buying car insurance. Coverages like roadside assistance, high-cost glass coverage, and motor club memberships are some examples. They may sound like good ideas initially, but if they’re wasting money eliminate the coverages to reduce your premium.

Occupation and insurance prices – Did you know your occupation can influence how much you pay for car insurance? Occupations such as real estate brokers, airline pilots, and dentists tend to pay the highest rates because of job stress and lengthy work days. Conversely, occupations such as scientists, athletes and homemakers have lower than average premiums.

Insurance is expensive for teen drivers – More mature drivers have been proven to be more responsible, tend to cause fewer accidents, and are generally more financially stable. Teen drivers are proven to be easily distracted when driving with friends therefore car insurance rates are much higher.

The following chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

Loss statistics for a Mitsubishi Outlander – Insurers use statistical claims data when they set coverage costs for each model. Models that statistically have high amounts or severity of claims will have higher premium rates.

The table below illustrates the historical insurance loss data for Mitsubishi Outlander vehicles. For each coverage category, the loss probability for all vehicles compiled together is represented as 100. Values below 100 are indicative of better than average losses, while percentage values above 100 point to more losses or statistically larger losses.

Car Insurance Loss Data for Mitsubishi Outlander Models
Vehicle 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

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

All the larger insurance companies such as Progressive, Allstate and GEICO provide coverage prices on the web. Doing online price comparisons for Mitsubishi Outlander insurance in Philadelphia is possible for anyone as you just type in your required coverages as detailed in the form. After you submit the form their system will order your credit score and driving record and returns a price quote based on the information you submitted.

Using the web to get price quotes for Mitsubishi Outlander insurance in Philadelphia simplifies rate comparisons, and it’s necessary to have as many quotes as possible in order to find the lowest payment possible.

To fill out one form to compare multiple rates now, compare quotes from the companies shown below. If you have your current policy handy, we recommend you copy your coverages exactly as shown on your declarations page. This way, you are getting a fair comparison based on similar coverages.

The auto insurance companies shown below can provide price quotes in Pennsylvania. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.

Insurance coverage analysis

The premium information displayed next outlines detailed analysis of prices for Mitsubishi Outlander models. Being able to understand how insurance policy premiums are formulated can help customers make decisions on the best policy to buy.

Mitsubishi Outlander Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $274 $502 $286 $16 $86 $1,164 $97
Outlander SE 4WD $274 $502 $286 $16 $86 $1,164 $97
Outlander SE 4WD $274 $502 $286 $16 $86 $1,164 $97
Outlander SE 2WD $274 $502 $286 $16 $86 $1,164 $97
Outlander SE 2WD $274 $502 $286 $16 $86 $1,164 $97
Outlander ES 4WD $274 $502 $286 $16 $86 $1,164 $97
Outlander XLS 2WD $310 $590 $286 $16 $86 $1,288 $107
Outlander XLS 4WD $310 $590 $286 $16 $86 $1,288 $107
Outlander GT-S AWC 4WD $310 $590 $286 $16 $86 $1,288 $107
Outlander GT-S AWC 4WD $310 $590 $286 $16 $86 $1,288 $107
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rates do not factor in Philadelphia location which can revise coverage rates substantially.

Higher deductibles lower rates

The hardest decision when buying coverage is how high should the physical damage deductibles be. The comparisons below can help show the rate differences of buying low and high physical damage deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Mitsubishi Outlander insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $284 $512 $280 $16 $84 $1,201 $100
Outlander SE 4WD $284 $512 $280 $16 $84 $1,201 $100
Outlander SE 4WD $284 $512 $280 $16 $84 $1,201 $100
Outlander SE 2WD $284 $512 $280 $16 $84 $1,201 $100
Outlander SE 2WD $284 $512 $280 $16 $84 $1,201 $100
Outlander ES 4WD $284 $512 $280 $16 $84 $1,201 $100
Outlander XLS 2WD $320 $602 $280 $16 $84 $1,327 $111
Outlander XLS 4WD $320 $602 $280 $16 $84 $1,327 $111
Outlander GT-S AWC 4WD $320 $602 $280 $16 $84 $1,327 $111
Outlander GT-S AWC 4WD $320 $602 $280 $16 $84 $1,327 $111
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Mitsubishi Outlander insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $158 $270 $280 $16 $84 $808 $67
Outlander SE 4WD $158 $270 $280 $16 $84 $808 $67
Outlander SE 4WD $158 $270 $280 $16 $84 $808 $67
Outlander SE 2WD $158 $270 $280 $16 $84 $808 $67
Outlander SE 2WD $158 $270 $280 $16 $84 $808 $67
Outlander ES 4WD $158 $270 $280 $16 $84 $808 $67
Outlander XLS 2WD $178 $318 $280 $16 $84 $876 $73
Outlander XLS 4WD $178 $318 $280 $16 $84 $876 $73
Outlander GT-S AWC 4WD $178 $318 $280 $16 $84 $876 $73
Outlander GT-S AWC 4WD $178 $318 $280 $16 $84 $876 $73
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can change prices substantially.

Based on the figures above, using a $100 deductible will cost you about $35 more each month or $420 annually than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 26 months between claim filings, you would more than likely save some money going with the higher deductible.

The chart below highlights how deductible selection and can affect Mitsubishi Outlander insurance rates for each age group. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are factored in.

How much more does full coverage cost?

The illustration below shows the comparison of Mitsubishi Outlander car insurance costs when comparing full coverage to state minimum liability only. The price estimates are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no set rule to exclude physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Mitsubishi Outlander replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying the physical damage deductible. If you are currently paying more than $200 a year for full coverage, then you might consider buying liability only.

There are some cases where dropping full coverage is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not buy liability only.

Why do I need car insurance?

Even though Philadelphia Outlander insurance rates can get expensive, paying for car insurance may be required for several reasons.

The benefits of having insurance definitely exceed the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying more than $855 a year so compare quotes from several companies once a year at a minimum to make sure the price is not too high.

Philadelphia insurance discounts for a Mitsubishi Outlander

Car insurance can be pricey, but there’s a good chance there are discounts that may help make it more affordable. Some discounts will apply when you purchase, but some discounts are required to be specially asked for before you will receive the discount. If you’re not getting every credit available, you may be paying too high a price.Car insurance discounts

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

The information below visualizes the comparison of Mitsubishi Outlander insurance prices with and without discounts being applied to the rates. The data assumes a female driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, homeowner, multi-car, and safe-driver discounts applied.

A list of companies and some of the discounts include:

Before purchasing a policy, check with every company what discounts are available to you. Discounts may not apply to policyholders in Philadelphia.

Compare prices but work with a local neighborhood Philadelphia car insurance agent

Certain consumers would rather get advice from a local agent and that is not a bad decision Licensed agents are trained to spot inefficiencies and give you someone to call. A good thing about getting free rate quotes online is you can get cheap rate quotes and also buy local.

Insurance agency in PhiladelphiaAfter completing this short form, your insurance coverage information is instantly submitted to insurance agents in Philadelphia who will gladly provide quotes for your auto insurance coverage. You won’t even need to find an agent on your own since price quotes are sent to the email address you provide. If you wish to quote rates from a particular provider, you would need to go to their quote page to submit a rate quote request.

Picking an provider should depend on more than just the premium amount. Ask your prospective agent these questions:

The following is a short list of car insurance companies in Philadelphia who can help you get price quote information for Mitsubishi Outlander insurance in Philadelphia.

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Quote. Compare. Save.

In this article, we presented many ideas to save on Mitsubishi Outlander insurance in Philadelphia. The key concept to understand is the more rate quotes you have, the better your comparison will be. Drivers may even discover the best auto insurance rates are with a small mutual company.

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your goal is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

Consumers change insurance companies for many reasons like being labeled a high risk driver, policy non-renewal, denial of a claim or even unfair underwriting practices. Regardless of your reason, finding a great new company can be easier than you think.

More detailed car insurance information can be found by following these links: