Car Insurance Rates for a Mitsubishi Outlander in Durham

Surprisingly, a recent survey revealed that nearly 70% of consumers have stayed with the same insurance company for four years or more, and 38% of customers have never compared quotes from other companies. Drivers in the U.S. can save hundreds of dollars each year by just shopping around, but they just don’t understand the amount of money they would save if they replace their high priced policy.

Insurance for Mitsubishi OutlanderThe best way to find cheaper Mitsubishi Outlander insurance in Durham is to begin comparing prices regularly from companies who can sell car insurance in North Carolina. Price quotes can be compared by following these guidelines.

First, get an understanding of how insurance works and the modifications you can make to keep rates low. Many rating factors that are responsible for high rates like tickets, at-fault accidents, and a substandard credit score can be eliminated by making minor changes in your lifestyle.

Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like GEICO or Allstate, while agents who are independent can provide rate quotes for a wide range of companies. Compare rates now

Third, compare the new rates to your current policy premium and determine if cheaper Outlander coverage is available in Durham. If you find a lower rate, ensure there is no coverage lapse between policies.

One bit of advice is to try to compare identical coverages on every quote and and to look at every company you can. Doing this ensures a level playing field and a complete rate analysis.

Locating the best insurance company for you in Durham is much easier if you have a good place to start. Nearly every vehicle owner who has to buy insurance most likely will be able to find better rates. But North Carolina drivers benefit from understanding how insurance companies sell insurance online and use this information to your advantage.

The quickest method we recommend to compare policy rates for Mitsubishi Outlander insurance in Durham is to know the trick most of the larger companies provide online access to provide you with free rate quotes. All you need to do is provide details including whether you have decent credit, the type of vehicles you drive, what you do for a living, and how your vehicles are used. Your insurance information gets sent immediately to multiple different insurance companies and you will receive price estimates within a short period of time.

To check Mitsubishi Outlander insurance prices now, click here and enter your coverage details.

The following companies are our best choices to provide quotes in North Carolina. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.

Determine discounts on Durham auto insurance

Car insurance is not cheap, but you may be missing some discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but some discounts are required to be inquired about before being credited.Save money with discounts

We need to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But all discounts will lower your premiums.

The diagram below illustrates the difference between Mitsubishi Outlander insurance rates with and without discounts applied to the rates. The premium estimates are based on a male driver, no violations or claims, North Carolina state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, marriage, and multi-car discounts applied.

Large auto insurance companies and some of the premium reductions they offer can be read below.

If you want the cheapest Mitsubishi Outlander rate quotes, ask each insurance company which credits you are entitled to. All car insurance discounts may not apply to policyholders everywhere. If you would like to view insurers who offer free Mitsubishi Outlander insurance quotes in Durham, click here to view.

Mitsubishi Outlander insurance charts and tables

The coverage table shown below showcases estimates of insurance prices for Mitsubishi Outlander models. Understanding more about how insurance rates are established can be of help when making decisions on the best policy to buy.

Mitsubishi Outlander Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $102 $200 $222 $14 $66 $604 $50
Outlander SE 4WD $102 $200 $222 $14 $66 $604 $50
Outlander SE 4WD $102 $200 $222 $14 $66 $604 $50
Outlander SE 2WD $102 $200 $222 $14 $66 $604 $50
Outlander SE 2WD $102 $200 $222 $14 $66 $604 $50
Outlander ES 4WD $102 $200 $222 $14 $66 $604 $50
Outlander XLS 2WD $116 $236 $222 $14 $66 $654 $55
Outlander XLS 4WD $116 $236 $222 $14 $66 $654 $55
Outlander GT-S AWC 4WD $116 $236 $222 $14 $66 $654 $55
Outlander GT-S AWC 4WD $116 $236 $222 $14 $66 $654 $55
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific Durham garaging location which can lower or raise coverage rates substantially.

Cost difference between full coverage and liability

The illustration below shows the difference between Mitsubishi Outlander premium costs with and without full coverage. The rate quotes are based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

When to eliminate full coverage

There is no set rule of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Mitsubishi Outlander settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after paying your policy deductible. If premium cost is more than $300 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Learn How to Lower Your Insurance Prices

The best way to find cheaper car insurance is to take a look at some of the elements that play a part in calculating the level of your policy premiums. If you have a feel for what controls the rates you pay, this enables informed choices that may reward you with much lower annual insurance costs.

Shown below are a partial list of the pieces utilized by car insurance companies to help set your premiums.

Cheaper premiums for prior coverage – Having an insurance coverage lapse is a guaranteed way to bump up your car insurance costs. In addition to paying higher rates, getting caught without coverage can result in fines and jail time.

Marriage is a bonus – Having a significant other can actually save you money on car insurance. It is viewed as being less irresponsible and statistics prove being married results in fewer claims.

Teenagers are high risk – Older people are more responsible, cost insurance companies less in claims, and receive fewer citations. Beginning drivers are known to be inattentive when at the wheel of a vehicle so they pay higher car insurance rates.

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

Vocation stress can make you pay more – Jobs such as judges, police officers, and dentists have higher average rates because of high stress levels and incredibly demanding work hours. On the other hand, professions such as professors, athletes and homemakers pay the least.

Insurance loss probability for a Mitsubishi Outlander – Companies include the past claim history for a vehicle when they file their rates in each state. Models that historically have higher claim frequency or loss amount will be charged more to insure.

The next table shows the insurance loss data used by companies for Mitsubishi Outlander vehicles. For each insurance policy coverage type, the statistical loss for all vehicles combined as an average is a value of 100. Values that are below 100 are indicative of better than average losses, while values that are above 100 point to more claims or a tendency for claims to be larger.

Mitsubishi Outlander Insurance Loss Statistics
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
Statistics from for 2013-2015 Model Years