How to Save on Mitsubishi Outlander Insurance in Sacramento

Statistics show that most insurance buyers kept their policy with the same company for a minimum of four years, and practically 40% of insurance customers have never taken the time to shop around. Consumers in Sacramento could save as much as $469 every year just by comparing rates, but they just don’t understand how easy it is to do a rate comparison.

If you want to find the absolute lowest rates, then the best way to get cheaper auto insurance rates in Sacramento is to compare quotes once a year from different companies that insure vehicles in California.

Step 1: Try to learn a little about how insurance companies determine prices and the steps you can take to prevent rate increases. Many policy risk factors that drive up the price like careless driving and an unacceptable credit rating can be rectified by making small lifestyle or driving habit changes. Later in this article we will cover additional ideas to help find cheaper rates and find additional discounts you may qualify for.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple companies.

Step 3: Compare the new rate quotes to your existing rates to see if a cheaper rate is available. If you find a lower rate and change companies, ensure there is no coverage lapse between policies.

One key aspect when comparing rates is to try to use the same coverage limits and deductibles on each quote and and to compare all possible companies. This helps ensure an accurate price comparison and and a good selection of different prices.

If you already have coverage, you will most likely be able to save money using the techniques presented in this article. Locating the most cost-effective insurance policy in Sacramento is quite easy. But California consumers do need to learn the way insurance companies charge you for coverage.

It’s important to know that comparing more prices will improve the odds of getting better pricing. Not every company allows you to get online price quotes, so you also need to get price estimates from those companies as well.

The companies shown below offer comparison quotes in Sacramento, CA. To find cheaper auto insurance in California, we suggest you get price quotes from several of them to get the best price comparison.

Do you qualify for discounts?

Insurance can cost an arm and a leg, but there could be available discounts that you may not know about. A few discounts will be applied at quote time, but a few must be asked for before they will apply.

• Own a Home and Save – Just owning your own home can get you a discount since home ownership is proof of financial responsibility.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
• Good Student – Performing well in school could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
• Switch and Save Discount – Some insurance companies reward drivers for renewing your policy before your current coverage expires. Ten percent is about the average savings.
• Multi-car Discount – Buying a policy with multiple cars or trucks on one policy may reduce the rate for each vehicle.

Consumers should know that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, insurance companies aren’t that generous. Any amount of discount will positively reduce your overall bill.

The information below shows the difference between Mitsubishi Outlander insurance costs with and without discounts applied. The data assumes a female driver, no claims or driving citations, 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 marriage, safe-driver, multi-policy, homeowner, multi-car, and claim-free discounts applied.

A few of the larger companies and a partial list of their discounts are shown below.

• Farm Bureau may offer discounts for multi-vehicle, multi-policy, driver training, youthful driver, safe driver, renewal discount, and 55 and retired.
• Liberty Mutual has savings for exclusive group savings, preferred payment discount, multi-policy, new graduate, teen driver discount, and newly married.
• State Farm offers discounts including good student, defensive driving training, Steer Clear safe driver discount, accident-free, Drive Safe & Save, anti-theft, and multiple policy.
• Auto-Owners Insurance includes discounts for student away at school, group or association, good student, mature driver, multiple vehicles, and anti-theft.
• GEICO may include discounts for seat belt use, membership and employees, military active duty, anti-theft, anti-lock brakes, and emergency military deployment.
• SAFECO policyholders can earn discounts including teen safe driver, drive less, anti-theft, bundle discounts, anti-lock brakes, multi-car, and safe driver.

When comparing rates, check with every prospective company the best way to save money. Some of the earlier mentioned discounts may not be offered in every state.

Rates and detailed analysis

The premium table shown below outlines estimates of insurance policy prices for Mitsubishi Outlander models. Learning how policy premiums are calculated can be of help when making decisions on which coverage to buy.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can modify prices greatly.

Choosing deductibles

One common question asked by Sacramento drivers is how high should the deductibles for physical damage be. The following tables can help you visualize the rate differences between high and low comp and collision deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in specific zip code location which can change auto insurance rates significantly.

Based on the figures above, using a $250 deductible will cost you about $33 more each month or $396 annually across all Mitsubishi Outlander models than quoting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 23 months between claims, you would probably come out ahead if you choose a higher deductible.

The example below shows how different deductible levels and can raise or lower Mitsubishi Outlander insurance rates for different age groups. The data assumes a married male driver, full physical damage coverage, and no other discounts are factored in.

Gender-based auto insurance rates by age

The information below illustrates the difference between Mitsubishi Outlander auto insurance rates for male and female drivers. The premiums assume no violations or accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

How to Lower Your Insurance Costs

Part of the insurance buying process is learning some of the factors that come into play when calculating insurance rates. When consumers understand what controls the rates you pay, this allows you to make good choices that may reward you with cheaper rates. Lots of factors are part of the equation when you get a price on insurance. Some are obvious like a motor vehicle report, but other criteria are more transparent such as whether you are married or how financially stable you are.

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

• Too many insurance claims will drive prices up – If you tend to file frequent claims, don’t be surprised to see higher rates. Companies in California generally give the best rates to policyholders who only file infrequent claims. Auto insurance is designed for the large, substantial claims.
• Annual mileage impacts premiums – The higher the miles on your Mitsubishi each year the more you will pay for insurance. A lot of companies apply a rate partially by how you use the vehicle. Autos that are left in the garage get more affordable rates than those that get driven frequently. Having an incorrect usage rating on your Outlander is throwing money out the window. Make sure your declarations sheet correctly shows the correct driver usage.
• Your stress level may be raising your rates – Jobs like military personnel, police officers, and miners generally have higher average rates because of high stress levels and lots of time spent away from family. Other occupations like farmers, athletes and homemakers pay the least.
• Rates can change based on your address – Living in less populated areas is a good thing when buying insurance. Fewer drivers means a lower chance of having an accident in addition to lower liability claims. Drivers in populated California areas have to deal with more auto accidents and more time behind the wheel. The longer drive time means higher likelihood of an accident.
• Being married equates to better costs – Having a spouse helps lower the price when shopping for insurance. Marriage generally demonstrates drivers are more financially stable and it’s statistically proven that married drivers tend to have fewer serious accidents.

• Mitsubishi Outlander claim statistics – Insurers take into consideration historical loss data for every vehicle when determining insurance rates. Vehicles that the statistics show to have higher losses will have higher premium rates. The table below shows the insurance loss data used by companies for Mitsubishi Outlander vehicles.

  For each insurance policy coverage type, the statistical loss for all vehicles averaged together is a value of 100. Percentages below 100 indicate better than average losses, while percentage values above 100 point to more frequent losses or an increased chance of larger losses than average.

  
  

  Insurance Loss Ratings for Mitsubishi Outlander Vehicles

  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

  BETTER

  AVERAGE

  WORSE

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

Buying from car insurance agents

Many drivers still prefer to sit down with an agent and that is just fine! One of the best bonuses of getting online price quotes is that drivers can save money and get cheap rate quotes but also keep your business local.

To make it easy to find an agent, after completing this simple form, the quote information is sent to agents in your area who will give you bids for your business. There is no need to search for an agent since price quotes are sent directly to you. You can most likely find cheaper rates AND an agent nearby. If you need to compare prices from a specific company, just go to their quote page and fill out their quote form.

Finding the right company should depend on more than just a cheap quote. Here are some questions to ask:

• Is the agency covered by Errors and Omissions coverage?
• If your car is in the repair shop, do you have coverage for a rental car?
• If you are a high risk driver, do they have special markets for your coverage?
• What insurance companies do they recommend if they are an independent agent?
• Do they regularly work with personal auto policies in Sacramento?
• Do they receive special compensation for putting your coverage with one company over another?
• Is the agent and/or agency licensed to do business in California?
• Where are claims handled?

How to choose the best auto insurance agent in Sacramento

If you prefer to buy auto insurance from a local insurance agency, you should know the different types of agents to choose from. Sacramento agents can be described as either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

These type of agents generally can only insure with one company like Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents are very knowledgeable on their company’s products which helps them compete with independent agents.

Below is a short list of exclusive agents in Sacramento that are able to give rate quotes.

View more agents

Independent Auto Insurance Agents

These agents are not employed by one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move your policy to a different company and you don’t have to switch agencies. If you need lower rates, we recommend you include rate quotes from multiple independent agents for the best price selection.

The following are Sacramento independent agencies that can give you rate quotes.

View more agents

Which auto insurance company is best in Sacramento?

Buying coverage from the right insurer can be a challenge considering how many choices you have in California. The information below can help you select which auto insurance companies you want to consider when comparing rate quotes.

Top 10 Sacramento 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

Top 10 Sacramento Car Insurance Companies Overall

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

In conclusion

When you buy Sacramento car insurance online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the best possible price.

We just showed you many ideas to lower your Mitsubishi Outlander insurance rates in Sacramento. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the best price on car insurance is with the least-expected company. Smaller companies often have lower auto insurance rates on specific markets compared to the large companies like Progressive or GEICO.

To learn more, feel free to browse the articles below:

• What to do at the Scene of an Accident (Insurance Information Institute)
• What Car Insurance is Cheapest for a Nissan Sentra in Sacramento? (FAQ)
• Who Has Cheap Auto Insurance for Nurses in Sacramento? (FAQ)
• Who Has Cheap Sacramento Car Insurance Rates for Drivers with a DUI? (FAQ)
• How Much are Sacramento Car Insurance Rates for Homeowners? (FAQ)
• Shopping for a Safe Car (Insurance Information Institute)
• State Laws for Cellphones and Texting (iihs.org)
• Insurance Losses by Make and Model (iihs.org)
• Teen Driver Statistics (Insurance Information Institute)