Mitsubishi Outlander Insurance Rate Quotes in San Antonio

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Insurance rates Mitsubishi Outlander in San AntonioWould you like to find cheaper Mitsubishi Outlander insurance in San Antonio? Nobody that owns a car fancies paying their premiums for auto insurance, particularly when they could find better prices if they shop around.

Shocking but true, most auto insurance customers kept buying from the same company for over three years, and just under half have never shopped around. Drivers in Texas can save hundreds of dollars each year just by getting comparison quotes, but they think it's difficult to shop their coverage around. Many car insurance companies vie for your business, and it can be difficult to compare rates and uncover the absolute lowest rate possible on Mitsubishi Outlander insurance in San Antonio.

Cheap Mitsubishi insurance rates in San Antonio

The auto insurance companies shown below are our best choices to provide quotes in Texas. If several companies are displayed, it's a good idea that you get rates from several of them to get the most affordable price.

Facts and figures for Mitsubishi Outlander insurance

The information displayed next outlines a range of coverage costs for Mitsubishi Outlander models. Having a better understanding of how rate quotes are formulated is important for drivers to make smart choices when selecting a coverage provider.

Mitsubishi Outlander Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $364 $728 $438 $26 $130 $1,686 $141
Outlander SE 4WD $364 $728 $438 $26 $130 $1,686 $141
Outlander SE 4WD $364 $728 $438 $26 $130 $1,686 $141
Outlander SE 2WD $364 $728 $438 $26 $130 $1,686 $141
Outlander SE 2WD $364 $728 $438 $26 $130 $1,686 $141
Outlander ES 4WD $364 $728 $438 $26 $130 $1,686 $141
Outlander XLS 2WD $410 $858 $438 $26 $130 $1,862 $155
Outlander XLS 4WD $410 $858 $438 $26 $130 $1,862 $155
Outlander GT-S AWC 4WD $410 $858 $438 $26 $130 $1,862 $155
Outlander GT-S AWC 4WD $410 $858 $438 $26 $130 $1,862 $155
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Information does not factor in garaging location in San Antonio which can decrease or increase auto insurance rates noticeably.

Insurance deductibles

One frequently asked question is how high should the physical damage coverage deductibles be. The comparisons below summarize the differences in premium rates when you buy lower versus higher coverage deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Mitsubishi Outlander insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $328 $592 $324 $20 $96 $1,385 $115
Outlander SE 4WD $328 $592 $324 $20 $96 $1,385 $115
Outlander SE 4WD $328 $592 $324 $20 $96 $1,385 $115
Outlander SE 2WD $328 $592 $324 $20 $96 $1,385 $115
Outlander SE 2WD $328 $592 $324 $20 $96 $1,385 $115
Outlander ES 4WD $328 $592 $324 $20 $96 $1,385 $115
Outlander XLS 2WD $370 $698 $324 $20 $96 $1,533 $128
Outlander XLS 4WD $370 $698 $324 $20 $96 $1,533 $128
Outlander GT-S AWC 4WD $370 $698 $324 $20 $96 $1,533 $128
Outlander GT-S AWC 4WD $370 $698 $324 $20 $96 $1,533 $128
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Mitsubishi Outlander insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $182 $312 $324 $20 $96 $934 $78
Outlander SE 4WD $182 $312 $324 $20 $96 $934 $78
Outlander SE 4WD $182 $312 $324 $20 $96 $934 $78
Outlander SE 2WD $182 $312 $324 $20 $96 $934 $78
Outlander SE 2WD $182 $312 $324 $20 $96 $934 $78
Outlander ES 4WD $182 $312 $324 $20 $96 $934 $78
Outlander XLS 2WD $206 $368 $324 $20 $96 $1,014 $85
Outlander XLS 4WD $206 $368 $324 $20 $96 $1,014 $85
Outlander GT-S AWC 4WD $206 $368 $324 $20 $96 $1,014 $85
Outlander GT-S AWC 4WD $206 $368 $324 $20 $96 $1,014 $85
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in vehicle location which can raise or lower price quotes substantially.

Based on the figures above, using a $100 deductible costs approximately $39 more each month or $468 annually than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 23 months between claim filings, you would save more money if you decide on a higher deductible.

The illustration below demonstrates how choosing different deductibles and can influence Mitsubishi Outlander insurance rates for each different age group. The costs are based on a single female driver, full physical damage coverage, and no other discounts are factored in.

Full coverage or liability only

The chart below shows the comparison of Mitsubishi Outlander insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The data assumes no claims or violations, $500 deductibles, drivers are single, and no additional discounts are factored in.

Should you be buying full coverage?

There isn't a written rule to eliminate full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the vehicle's replacement cost less your deductible, then it could be time to drop full coverage.

For example, let's assume your Mitsubishi Outlander replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after you pay the deductible. If you are paying more than $300 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some conditions where dropping full coverage is not advised. If you haven't paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage.

Mitsubishi Outlander Insurance Costs Can Be Lower

Part of the auto insurance buying process is learning some of the things that help calculate the rates you pay for auto insurance. If you have a feel for what determines premiums, this allows you to make good choices that may reward you with lower auto insurance prices. Many different elements are used when pricing auto insurance. Some are obvious such as your driving history, although some other factors are more obscure like your continuous coverage or your commute time.

The itemized list below are some of the major factors used by insurance companies to determine your rates.

Safety ratings are a factor - Vehicles with good safety scores can get you lower premiums. Safe vehicles result in less severe injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mitsubishi Outlander is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Male rates may be higher - Statistics demonstrate that men are more aggressive behind the wheel. However, don't assume that women are better drivers. Women and men get in at-fault accidents in similar percentages, but the men tend to have higher claims. Not only are claims higher, but men get cited for more serious violations such as reckless driving.

The information below shows the comparison of Mitsubishi Outlander premium costs for male and female drivers. The information is based on no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are single, and no additional discounts are factored in.

Only buy extra coverages you need - Insurance policies have a lot of extra add-on coverages that you can buy on your Outlander policy. Coverage for things like roadside assistance, death and dismemberment, and term life insurance are some examples. The coverages may be enticing when discussing your needs, but now you might not need them so get rid of them and save.

Consolidating policies can get discounts - Most larger insurers allow a discount to buyers that purchase more than one policy in the form of a multi-policy discount. The discount can add up to 10 percent or more. Even if you're getting this discount it's still a good idea to check prices from other companies to help ensure you have the lowest rates.

Impacts performance impacts auto insurance premiums - The performance of the car, truck or SUV you are trying to find cheaper insurance for makes a huge difference in your rates. Smaller low performance passenger models receive the most favorable rates, but that's not the only thing that factors into the final price.

The chart below assumes a married female driver age 50, full coverage with $250 deductibles, and no discounts or violations. It shows Mitsubishi Outlander policy rates compared to other vehicles that have a range of performances.

Loss probability for a Mitsubishi Outlander - Companies take into consideration insurance loss statistics for every vehicle to calculate a rate that offsets possible losses. Vehicles that are shown to have a trend towards higher claim severity or frequency will have higher premium rates. The information below illustrates the compiled insurance loss statistics for Mitsubishi Outlander vehicles.

For each coverage type, the loss probability for all vehicles, as a total average, is a value of 100. Values under 100 suggest a positive loss record, while values over 100 indicate more frequent claims 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

Discounts for cheaper car insurance rates

Auto insurance companies do not advertise every possible discount very well, so we took the time to find both well-publicized and the harder-to-find credits that you can use to lower your rates.Car insurance discounts

  • Theft Prevention Discount - Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Distant Student Discount - Kids who live away from home at college and don't have a car may be insured at a cheaper rate.
  • Paperless Signup - A few larger online companies will give you a small discount for completing your application online.
  • Bundle and Save - If you can bundle your homeowners and auto insurance and place coverage with the same company you will save at least 10% off all policies.
  • Organization Discounts - Belonging to certain professional organizations can get you a small discount on your next car insurance statement.
  • Home Ownership Discount - Being a homeowner can help you save on car insurance because it shows financial diligence.
  • Driver's Education for Students - Have your child participate in a local driver's education class in high school.
  • Seat Belt Usage - Buckling up and requiring all passengers to use a seat belt can save a little off the PIP or medical payment premium.

While discounts sound great, it's important to understand that some credits don't apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. So even though you would think you can get free auto insurance, you aren't that lucky.

The example below visualizes the comparison of Mitsubishi Outlander insurance rates with and without discounts applied. Data assumes a male driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, homeowner, marriage, and multi-car discounts applied.

To see car insurance companies who offer car insurance discounts in Texas, click this link.

Shop online but buy locally

A small number of people would prefer to sit down with an agent and that is recommended in a lot of cases Good agents are highly skilled in risk management and help you file claims. The biggest benefit of comparing rates online is that you can obtain lower rates but still work with a licensed agent. And supporting local agents is especially important in San Antonio.

Insurance agents in San AntonioBy using this short form, your information is transmitted to companies in San Antonio who will return price quotes and help you find cheaper coverage. You won't even need to even leave your home since price quotes are sent instantly to you. If you need to quote rates from a particular provider, you can always search and find their rate quote page and fill out their quote form.

Two different types of auto insurance agents

When researching a local San Antonio insurance agent, it's important to understand the types of agencies that differ in how they can insure your vehicles. Auto insurance agents in San Antonio are either independent agents or exclusive agents depending on their employer. Both types can properly insure your vehicles, but it's worth mentioning the differences since it can affect which agent you choose.

Independent Insurance Agents

Independent agencies often have affiliation with several companies so they can quote policies with lots of companies and find the cheapest auto insurance rates. If your agent finds better pricing, the agent simply finds a different carrier and you won't have to switch agencies. If you are comparing rate quotes, we highly recommend that you include rate quotes from several independent insurance agents to maximize your price options.

Below is a short list of independent agencies in San Antonio that may be able to provide pricing information.

A and A Insurance Agency
1317 Castroville Rd - San Antonio, TX 78237 - (210) 434-2311 - View Map


1100 NE Interstate 410 Loop - San Antonio, TX 78209 - (210) 822-2590 - View Map


5300 Walzem Rd - San Antonio, TX 78218 - (210) 646-9870 - View Map

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Exclusive Auto Insurance Agencies

Agents in the exclusive channel have only one company to place business with and examples are State Farm, AAA, and Liberty Mutual. They generally cannot compare other company's rates so they really need to provide good service. Exclusive agencies receive extensive training on what they offer and that allows them to sell at a higher price point.

Shown below is a short list of exclusive insurance agents in San Antonio that can give you price quotes.


6722 S Flores St - San Antonio, TX 78221 - (210) 922-8787 - View Map


430 W Loop 1604 N Suite 112 - San Antonio, TX 78251 - (210) 682-1200 - View Map


3029 S WW White Rd - San Antonio, TX 78222 - (210) 337-1786 - View Map

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Choosing an auto insurance agent requires you to look at more than just the premium amount. Below are some questions you should ask.

  • If you are a high risk driver, do they have special markets for your coverage?
  • How much experience to they have in personal lines coverages?
  • How long has their agency been in business in San Antonio?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do the companies they represent have a solid financial rating?
  • Does the company allow you to choose your own collision repair facility?
  • How would your car be valued if totaled?
  • Are they actively involved in the community?

If you receive answers to your satisfaction to any questions you have as well as cheaper Outlander insurance quotes, you have narrowed it down to an insurance agent that will service your policy. Just understand that policyholders can cancel coverage at any point so don't assume you are locked into a policy with no way out.

Get the best coverage at the most affordable price

We just presented some good ideas how you can reduce Mitsubishi Outlander insurance prices online in San Antonio. It's most important to understand that the more rate quotes you have, the better likelihood of getting the cheapest Mitsubishi Outlander rate quotes. Consumers may even find the lowest prices are with a lesser-known regional company. These companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm or Progressive.

When you buy San Antonio auto insurance online, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Additional detailed information is available by following these links: