Best Ways to Save on Long Beach Mitsubishi Outlander Insurance

Insurance quote for Mitsubishi Outlander in Long BeachIf saving the most money is your goal, then the best way to find cheaper car insurance rates in Long Beach is to start comparing prices regularly from insurance carriers that insure vehicles in California. Prices can be compared by following these steps.

One tip to remember is to use identical deductibles and limits on every price quote and to quote with as many companies as possible. Doing this ensures a fair price comparison and a thorough price selection.

Smart shoppers know that auto insurance companies want to prevent you from shopping around. Insureds who perform rate comparisons are likely to switch to a new company because they stand a good chance of finding a more affordable policy premium. A recent insurance study discovered that drivers who routinely compared rates saved an average of $72 a month compared to policyholders who never shopped around.

If finding the cheapest price for car insurance is the reason you’re here, then having some insight into how to find and compare insurance rates can make it easier for you to save money.

Locating the most cost-effective insurance policy in Long Beach is really not that difficult. If you have a current insurance policy or are looking for a new policy, use these money-saving tips to save money while maintaining coverages. Smart shoppers only have to learn how to shop their coverage around over the internet.

The easiest way to compare insurance rates from multiple companies is to know most of the larger companies pay for the opportunity to compare rate quotes. The only thing you need to do is provide a small amount of information like if it has an alarm system, your occupation, deductibles desired, and distance driven. Your details is automatically sent to multiple insurance providers and they respond with quotes instantly to find the best rate.

To compare multiple company affordable Mitsubishi Outlander insurance rates now, click here and enter your zip code.

The companies shown below can provide price comparisons in Long Beach, CA. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.

Mitsubishi Outlander insurance coverage information

The premium information displayed below highlights different policy rates for Mitsubishi Outlander models. Having knowledge of how auto insurance policy rates are established can help you make smart choices when selecting a policy.

Mitsubishi Outlander Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $422 $844 $508 $30 $152 $1,956 $163
Outlander SE 4WD $422 $844 $508 $30 $152 $1,956 $163
Outlander SE 4WD $422 $844 $508 $30 $152 $1,956 $163
Outlander SE 2WD $422 $844 $508 $30 $152 $1,956 $163
Outlander SE 2WD $422 $844 $508 $30 $152 $1,956 $163
Outlander ES 4WD $422 $844 $508 $30 $152 $1,956 $163
Outlander XLS 2WD $476 $996 $508 $30 $152 $2,162 $180
Outlander XLS 4WD $476 $996 $508 $30 $152 $2,162 $180
Outlander GT-S AWC 4WD $476 $996 $508 $30 $152 $2,162 $180
Outlander GT-S AWC 4WD $476 $996 $508 $30 $152 $2,162 $180
Get Your Own Custom Quote Go

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific garaging location which can modify premium rates significantly.

Deductible analysis

The hardest decision when buying coverage is where should you set your physical damage deductibles. The comparison tables below approximate the cost difference between low and high comp and collision deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Mitsubishi Outlander insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $380 $686 $376 $22 $112 $1,601 $133
Outlander SE 4WD $380 $686 $376 $22 $112 $1,601 $133
Outlander SE 4WD $380 $686 $376 $22 $112 $1,601 $133
Outlander SE 2WD $380 $686 $376 $22 $112 $1,601 $133
Outlander SE 2WD $380 $686 $376 $22 $112 $1,601 $133
Outlander ES 4WD $380 $686 $376 $22 $112 $1,601 $133
Outlander XLS 2WD $430 $810 $376 $22 $112 $1,775 $148
Outlander XLS 4WD $430 $810 $376 $22 $112 $1,775 $148
Outlander GT-S AWC 4WD $430 $810 $376 $22 $112 $1,775 $148
Outlander GT-S AWC 4WD $430 $810 $376 $22 $112 $1,775 $148
Get Your Own Custom Quote Go

Mitsubishi Outlander insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $278 $464 $376 $22 $112 $1,252 $104
Outlander SE 4WD $278 $464 $376 $22 $112 $1,252 $104
Outlander SE 4WD $278 $464 $376 $22 $112 $1,252 $104
Outlander SE 2WD $278 $464 $376 $22 $112 $1,252 $104
Outlander SE 2WD $278 $464 $376 $22 $112 $1,252 $104
Outlander ES 4WD $278 $464 $376 $22 $112 $1,252 $104
Outlander XLS 2WD $314 $546 $376 $22 $112 $1,370 $114
Outlander XLS 4WD $314 $546 $376 $22 $112 $1,370 $114
Outlander GT-S AWC 4WD $314 $546 $376 $22 $112 $1,370 $114
Outlander GT-S AWC 4WD $314 $546 $376 $22 $112 $1,370 $114
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price information does not factor in zip code location which can increase or decrease premium rates substantially.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $31 more each month or $372 for a full year than requesting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have more than 13 months between claim filings, you would save more money by going with a higher deductible. Here is how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $139
Average monthly premium for $500 deductibles (subtract): – $108
Monthly savings from raising deductible: $31
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

Why car insurance is not optional

Despite the high insurance cost for a Mitsubishi Outlander in Long Beach, paying for car insurance is required in California but also provides important benefits.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially when you need to use it. The average driver in California overpays as much as $830 a year so smart consumers compare quotes once a year at a minimum to be sure current rates are still competitive.

Quote Mitsubishi Outlander Insurance for Less

It’s important that you understand some of the elements that are used to determine auto insurance rates. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower premium levels. Lots of factors are used in the calculation when pricing auto insurance. Most are fairly basic such as traffic violations, although others are less apparent like your vehicle usage or your commute time.

The factors shown below are some of the most rate-impacting factors auto insurance companies consider when setting premiums.

Lower rates for married couples – Walking down the aisle may save some money when shopping for auto insurance. Marriage may mean you are more mature it has been statistically shown that married drivers get in fewer accidents.

Drive lots and pay more – The more you drive your Mitsubishi each year the more it will cost to insure it. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos that sit idle most of the time can get a lower rate than those that get driven frequently. Double check that your auto insurance policy is showing annual mileage, because improper ratings can cost you money. Having the wrong rating on your Outlander is throwing money out the window.

Avoid tickets and save – Having just one ticket could increase your next policy renewal substantially. Good drivers get better prices compared to drivers with tickets. Drivers who have received multiple violations such as reckless driving, hit and run or driving under the influence may be required to prove financial responsibility with the DMV in their state in order to legally drive a vehicle.

The chart below demonstrates how speeding tickets and accident claims can drive up Mitsubishi Outlander auto insurance costs for each age group. The premiums are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Discounts for alarm systems – Purchasing a vehicle with an alarm system can help lower your premiums. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft.

Always keep your policy in force – Having an insurance coverage lapse is a fast way to pay more for auto insurance. And not only will insurance be more expensive, not being able to provide proof of insurance could result in a revoked license or a big fine.

Bad credit hurts insurance prices – Having a bad credit score is likely to be a major factor in calculating your auto insurance rates. If your credit score leaves room for improvement, you may save money insuring your Mitsubishi Outlander by improving your rating. Consumers who have excellent credit scores tend to be more responsible and file fewer claims than drivers with worse credit.

How old are your drivers? – Teen drivers in California are proven to be careless and easily distracted when behind the wheel and because of this, their auto insurance rates are much higher. Adding a youthful driver to your auto insurance policy will cause a huge premium hike. Older insureds are more cautious drivers, cost insurance companies less in claims, and receive fewer citations.

The chart below assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Mitsubishi Outlander insurance claim data – Insurers factor in insurance loss information as a way to help calculate a profitable premium price. Models that are shown to have increased losses will have higher rates. The information below illustrates the actual insurance loss data for Mitsubishi Outlander vehicles.

For each policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, equals 100. Percentage values below 100 are indicative of better than average losses, while percentages above 100 indicate frequent claims or tendency to have larger claims.

Mitsubishi Outlander Insurance Claim Statistics
Vehicle 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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Long Beach auto insurance companies

Insuring your vehicle with a good quality insurance company can be a challenge considering how many companies provide coverage in Long Beach. The information in the next section could help you choose which coverage providers to look at purchasing from.

Top 10 Long Beach Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Cheap rates are available

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an insured cut liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

Low-cost Mitsubishi Outlander insurance in Long Beach can be bought online and with local Long Beach insurance agents, so you need to quote Long Beach car insurance with both to get a complete price analysis. Some companies do not provide price quotes online and most of the time these smaller providers prefer to sell through independent agents.

For more information, take a look at the articles below: