Mitsubishi Outlander Insurance Quotes in Los Angeles

Discount Mitsubishi Outlander insuranceAre you looking for more competitive Mitsubishi Outlander insurance in Los Angeles? Do you think you bought an expensive auto insurance policy? Say no more because there are lots of people in the same boat.

It’s a fact that auto insurance companies want to prevent you from shopping around. Drivers who get comparison quotes once a year are highly likely to switch auto insurance companies because they stand a good chance of finding a policy with better rates. A recent survey discovered that people who compared rates annually saved on average $865 annually compared to drivers who never compared prices.

If finding the lowest rates on insurance in Los Angeles is your ultimate target, knowing the best way to shop and compare coverages can save time, money, and frustration. Because there are so many online and local companies to choose from, it can be impossible to locate the cheapest auto insurance provider.

Finding a better price on insurance is surprisingly easy. The only requirement is to take time to get quotes from some recommended companies.

Getting free quotes online is quite simple, and it replaces the need to call or drive to insurance agents’ offices. Doing it all online eliminates the need for an insurance agent unless you require the professional advice of a local agency. It is possible with some companies get the lowest quotes online and have a local agent actually service the policy.

The car insurance companies shown below can provide quotes in Los Angeles, CA. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.

Three reasons to not skimp on car insurance

Despite the high insurance cost for a Mitsubishi Outlander in Los Angeles, insurance is required in California but it also protects you in many ways.

The benefits of having car insurance more than cancel out the cost, particularly if you ever have a claim. An average driver in America overpays as much as $855 a year so you should quote and compare rates at every policy renewal to make sure the price is not too high.

Coverage statistics and figures

The coverage table displayed below showcases estimates of insurance costs for Mitsubishi Outlander models. Being more informed about how car insurance premiums are established is important for you to make decisions when shopping your coverage around.

Mitsubishi Outlander Insurance Rates in Los Angeles, CA
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
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price information does not factor in vehicle garaging location which can increase or decrease rates substantially.

The diagram below illustrates how choosing a deductible and can influence Mitsubishi Outlander insurance rates for each different age group. The prices are based on a married female driver, full coverage, and no other discounts are factored in.

Los Angeles insurance discounts for a Mitsubishi Outlander

Some insurers don’t list all possible discounts in a way that’s easy to find, so below is a list both well-publicized and the more hidden discounts that may be available. If you do not double check each discount you qualify for, you could be paying more than you need to.Auto insurance discounts

You should keep in mind that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

The diagram below illustrates the difference between Mitsubishi Outlander auto insurance rates with and without discounts applied to the rates. Data assumes a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, claim-free, multi-car, and safe-driver discounts applied.

A few popular companies and their offered discounts include:

When comparing rates, check with each company which discounts you qualify for. Savings may not be offered in your state. If you would like to view insurance companies that offer the discounts shown above in California, click here to view.

Compare prices but still have a local Los Angeles insurance agent

A lot of people just prefer to buy from a licensed agent and we recommend doing that Insurance agents can help you choose the best coverages and give you someone to call. One of the best bonuses of getting online price quotes is that you can find lower rates and still buy from a local agent. And supporting local insurance agents is especially important in Los Angeles.

Insurance agents in Los AngelesBy using this simple form, your insurance data is submitted to companies in Los Angeles who will give competitive quotes to get your business. It’s much easier because you don’t need to visit any agencies because prices are sent directly to your email. If you have a need to get a comparison quote from a particular provider, you can always visit that company’s website and submit a quote form there.

Two types of Los Angeles car insurance agents

If you prefer to buy car insurance from a reliable insurance agency, it’s helpful to know the different agency structures and how they differ in how they quote coverages. Los Angeles agents can be classified as either independent agents or exclusive agents depending on their employer. Both types of agents can do a good job, but it’s important to point out the differences because it can influence which agent you choose.

Independent Insurance Agents

Agents that elect to be independent can quote rates with many companies and that is an advantage because they can write policies amongst many companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency.

When shopping rates, we highly recommend that you get several quotes from at a minimum one independent agency to ensure the widest selection of prices.

Featured below is a partial list of independent insurance agencies in Los Angeles that may be able to give comparison quotes.

1601 S La Brea AveLos Angeles, CA 90019(323) 933-9888View Map

3101 Silver Lake BlvdLos Angeles, CA 90039(323) 667-9180View Map

11611 San Vicente Blvd #515Los Angeles, CA 90049(310) 820-5200View Map

View more agents

Exclusive Car Insurance Agencies

Exclusive agencies normally can only provide a single company’s rates and some examples include State Farm or Allstate. Exclusive agents cannot compare other company’s rates so keep that in mind. Exclusive agents are usually quite knowledgeable in insurance sales which helps overcome the inability to quote other rates.

Below are exclusive agencies in Los Angeles who can help you get price quote information.

4918 W Slauson AveLos Angeles, CA 90056(323) 292-7930View Map

3222 Glendale Blvd bLos Angeles, CA 90039(323) 644-0900View Map

7944 W 3rd StLos Angeles, CA 90048(323) 852-6868View Map

View more agents

Selecting an insurance agency should include more criteria than just the premium amount. You should also get answers to these questions.

Specifics of your insurance policy

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Liability auto insurance – Liability insurance provides protection from damage that occurs to people or other property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 15/30/5 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, emergency aid, medical services and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but you should consider buying higher limits.

The next chart demonstrates why buying minimum limits may not be enough coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like prosthetic devices, rehabilitation expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible on your Outlander to bring the cost down.

UM/UIM Coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mitsubishi Outlander.

Because many people only carry the minimum required liability limits (California limits are 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, a broken windshield, fire damage and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Smart shoppers get results

We’ve covered a lot of ways to lower your Mitsubishi Outlander insurance premium rates in Los Angeles. The key concept to understand is the more quotes you get, the better your comparison will be. You may even be surprised to find that the lowest premium rates are with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

Lower-priced Mitsubishi Outlander insurance in Los Angeles can be bought from both online companies and from local insurance agents, so you need to shop Los Angeles car insurance with both to have the best rate selection. Some insurance providers may not provide the ability to get quotes online and usually these small insurance companies sell through independent agencies.

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