Compare Mitsubishi Outlander Insurance Quotes in Oakland

Remarkably, a study showed that over 70% of consumers have bought auto insurance from the same company for well over three years, and just under half have never shopped around. Many drivers in the United States could save nearly $859 a year just by comparing rates, but they just don’t want to shop around.

Insurance quote for Mitsubishi Outlander in OaklandIt takes a few minutes, but the best way to find more affordable auto insurance rates in Oakland is to compare prices annually from companies who provide auto insurance in California.

Step 1: Try to comprehend car insurance and the changes you can make to keep rates down. Many factors that cause high rates such as accidents, traffic violations, and a less-than-favorable credit rating can be controlled by making small lifestyle or driving habit changes. This article provides additional ideas to lower rates and earn larger discounts.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can provide price quotes for a wide range of companies. View rates

Step 3: Compare the new quotes to the premium of your current policy to see if a cheaper price is available in Oakland. If you can save some money, verify that coverage does not lapse between policies.

Step 4: Give notification to your agent or company of your decision to cancel your current policy and submit any necessary down payment along with the completed application to your new carrier. Immediately safely store the proof of insurance paperwork in your glove compartment.

One key aspect when comparing rates is that you’ll want to compare the same level of coverage on each price quote and and to analyze every company you can. This enables a fair rate comparison and a better comparison of the market.

If you have coverage now, you should be able to shop for the lowest rates using the ideas presented in this article. Quoting and buying more affordable auto insurance coverage in Oakland is easy if you know what you’re doing. But California drivers do need to know the way insurance companies market insurance on the web because rates fluctuate considerably.

Best companies for competitive Mitsubishi Outlander insurance in California

The car insurance companies shown below can provide price quotes in Oakland, CA. If you wish to find cheap car insurance in Oakland, we suggest you visit several of them to get the best price comparison.

Mitsubishi Outlander coverage analysis

The premium information shown next showcases different coverage costs for Mitsubishi Outlander models. Understanding more about how prices are formulated can help you make smart policy decisions.

Mitsubishi Outlander Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $310 $530 $386 $22 $116 $1,364 $114
Outlander SE 4WD $310 $530 $386 $22 $116 $1,364 $114
Outlander SE 4WD $310 $530 $386 $22 $116 $1,364 $114
Outlander SE 2WD $310 $530 $386 $22 $116 $1,364 $114
Outlander SE 2WD $310 $530 $386 $22 $116 $1,364 $114
Outlander ES 4WD $310 $530 $386 $22 $116 $1,364 $114
Outlander XLS 2WD $350 $624 $386 $22 $116 $1,498 $125
Outlander XLS 4WD $350 $624 $386 $22 $116 $1,498 $125
Outlander GT-S AWC 4WD $350 $624 $386 $22 $116 $1,498 $125
Outlander GT-S AWC 4WD $350 $624 $386 $22 $116 $1,498 $125
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can affect premium rates considerably.

Should you raise deductibles?

One of the hardest decisions when shopping for auto insurance is how high or low should comp and collision deductibles be. The figures shown below determine the differences in premium rates when you choose different physical damage deductibles. The first pricing table uses a $100 deductible and the second set of prices uses a $1,000 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
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Mitsubishi Outlander insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $210 $362 $376 $22 $112 $1,082 $90
Outlander SE 4WD $210 $362 $376 $22 $112 $1,082 $90
Outlander SE 4WD $210 $362 $376 $22 $112 $1,082 $90
Outlander SE 2WD $210 $362 $376 $22 $112 $1,082 $90
Outlander SE 2WD $210 $362 $376 $22 $112 $1,082 $90
Outlander ES 4WD $210 $362 $376 $22 $112 $1,082 $90
Outlander XLS 2WD $238 $426 $376 $22 $112 $1,174 $98
Outlander XLS 4WD $238 $426 $376 $22 $112 $1,174 $98
Outlander GT-S AWC 4WD $238 $426 $376 $22 $112 $1,174 $98
Outlander GT-S AWC 4WD $238 $426 $376 $22 $112 $1,174 $98
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can alter premiums substantially.

We can estimate from the data above that using a $100 deductible will cost you about $46 more each month or $552 a year averaged for all Outlander models than choosing the higher $1,000 deductible. Since 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 have more than 20 months between claim filings, you would save more money if you opt for a higher deductible.

The chart below illustrates how your choice of deductibles and can raise or lower Mitsubishi Outlander insurance costs for different age groups. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Does it make sense to buy full coverage?

The illustration below compares Mitsubishi Outlander auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no violations or claims, $250 deductibles, single status, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There is no clear-cut formula that works best for making the decision to drop full coverage, but there is a general guideline. If the yearly cost of 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 cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying the physical damage deductible. If premium cost is more than $400 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Informed Consumers Can Cut Insurance Costs

When buying insurance it’s important to understand the factors that aid in calculating the rates you pay for insurance. If you have a feel for what determines base rates, this allows you to make educated decisions that can help you get lower insurance prices.

Shown below are a few of the things that factor into rates.

More performance means more cost – The make and model of the car you are buying insurance for makes a substantial difference in determining your rates. The cheapest rates will generally be found on lower cost passenger cars, but many other things help determine your insurance rates.

The following data uses these assumptions: single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It illustrates Mitsubishi Outlander car insurance rates compared to other models of vehicles that have different performance rating factors.

Fewer miles means better prices – The more you drive your Mitsubishi each year the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Vehicles that do not get driven very much receive better premium rates compared to those used for work or business. Having the wrong rating on your Outlander may be costing you higher rates. Make sure your insurance coverage states how each vehicle is driven, because improper ratings can cost you money.

Less chance of injury means lower prices – Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles protect occupants better and lower rates of occupant injuries means less claims paid and lower rates for you. If the Mitsubishi Outlander scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

Gender and insurance coverage costs – Over the last 50 years, statistics have shown women are more cautious behind the wheel. The data does not necessarily mean that females are better at driving than males. Men and women have auto accidents in similar percentages, but the males have accidents that have higher claims. Not only that, but men also get cited for more serious violations such as DWI and reckless driving.

The chart below compares Mitsubishi Outlander insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Liability insurance limits on your policy – A critical coverage on your policy, liability insurance is the protection if ever a court rules you are at fault for an accident. Your liability coverage provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive compared to other policy coverages, so do not cut corners here.

Mitsubishi Outlander insurance loss data – Insurance companies include the past claim history for a vehicle to calculate a price that will offset any claims. Vehicles that historically have higher claim frequency or loss amount will have a higher cost to insure.

The information below illustrates the collected loss data for Mitsubishi Outlander vehicles. For each coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is represented as 100. Values that are 100 or less suggest a better than average loss history, while values that are above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.

Mitsubishi Outlander Insurance Claim Statistics
Specific Mitsubishi 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

Discounts can help lower premiums on Mitsubishi Outlander insurance in Oakland

Some companies don’t always advertise every possible discount very clearly, so the list below gives a summary of both well-publicized as well as the least known credits available to lower your premiums when you buy Oakland car insurance online.Cheaper auto insurance with discounts

It’s important to understand that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any amount of discount will help reduce the amount you pay for coverage.

The diagram below shows the comparison of Mitsubishi Outlander insurance premiums with and without discounts applied. The data assumes a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.

To view insurance companies with discount rates in California, follow this link.

Compare prices but work with a local Oakland insurance agent

Certain consumers would rather get advice from a local agent and that is a personal choice. One of the best bonuses of price shopping on the web is that you can find cheaper rates and still have an agent to talk to. And providing support for local agencies is important particularly in Oakland.

Oakland insurance agentsFor easy comparison, once you complete this form (opens in new window), your insurance coverage information gets sent to insurance agents in Oakland that give free quotes to get your business. It simplifies rate comparisons since you won’t have to do any legwork due to the fact that quote results will go to your email. You can find better rates and work with a local agent. If you want to get a comparison quote for a specific company, you can always navigate to their website and submit a quote form there.

The type of car insurance agent you choose is important

If you want an insurance agent, you need to know there are two different agency structures from which to choose. Insurance agents in Oakland can be classified as either independent or exclusive depending on the company they work for.

Independent Insurance Agents

Independent agents can sell policies from many different companies so they can write business through many different insurance companies and find you cheaper rates. To move your coverage to a new company, they simply move the coverage in-house which is easy for the insured. If you are comparing insurance prices, it’s recommended you get some free quotes from several independent agencies to get the most accurate price comparison. Many can place coverage with additional companies that you may not be familiar with that may provide cheaper insurance rates.

Shown below is a small list of independent agencies in Oakland who may provide price quote information.

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Exclusive Insurance Agencies

Exclusive insurance agents have only one company to place business with and examples are State Farm, Allstate, or Farmers Insurance. These agents are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are highly trained on their products and sales techniques which aids in selling service over price. A lot of people use the same agent primarily because of the brand name and the convenience of having a single billing for all their coverages.

Shown below is a list of exclusive agents in Oakland who can help you get price quote information.

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Finding the right insurance agent should depend on more than just the price. Any agent in Oakland should be forthright in answering these questions:

Upon getting good answers to your questions and a low price estimate, you have narrowed it down to a car insurance agent that is reliable enough to provide insurance coverage. But remember, it’s your coverage and you can cancel coverage for any reason so don’t feel you are locked into a policy with no way out.

Best car insurance in California

Selecting a highly-rated car insurance provider can be rather challenging considering how many different companies sell coverage in Oakland. The company rank data listed below may help you choose which car insurance companies to look at when comparing rate quotes.

Top 10 Oakland Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Oakland Car Insurance Companies Ranked by Value

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

Different people need different car insurance coverages

When it comes to choosing coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique so this has to be addressed.Safe vehicles cost less to insure
For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Cheaper car insurance prices are available

As you quote Oakland car insurance, do not reduce needed coverages to save money. In many cases, someone sacrificed physical damage coverage and learned later that they should have had better coverage. Your goal should be to find the BEST coverage at the lowest possible cost, but do not sacrifice coverage to save money.

In this article, we presented a lot of information how to save on Mitsubishi Outlander insurance in Oakland. It’s most important to understand that the more price quotes you have, the better likelihood of getting the cheapest Mitsubishi Outlander rate quotes. Consumers could even find that the lowest premium rates come from the smaller companies. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like Progressive or GEICO.

More tips and info about car insurance is located by following these links: