It’s an obvious assumption that car insurance companies want to prevent you from shopping around. Insureds who compare other prices are highly likely to buy a different policy because there is a significant possibility of finding coverage at a more affordable price. A recent survey revealed that consumers who routinely shopped for cheaper coverage saved approximately $72 a month compared to those who never shopped around for lower prices.
If finding the best price on Mitsubishi Outlander insurance in Chandler is your ultimate goal, then knowing how to compare insurance rates can save time, money, and frustration.
Truthfully, the best way to get low-cost Mitsubishi Outlander insurance is to regularly compare prices from providers who can sell car insurance in Chandler. You can shop around by following these steps.
- Spend some time learning about how companies price auto insurance and the changes you can make to prevent high rates. Many rating criteria that increase rates such as inattentive driving and your credit history can be controlled by making small lifestyle or driving habit changes.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive or State Farm, while independent agents can provide price quotes from multiple sources.
- Compare the new quotes to the price on your current policy to see if cheaper Outlander coverage is available in Chandler. If you can save money and switch companies, make sure coverage is continuous and does not lapse.
- Tell your current agent or company to cancel the current policy and submit a signed application and payment to your new carrier. Once the application is submitted, place the new proof of insurance certificate somewhere easily accessible.
One piece of advice is to use identical coverages on each quote request and and to get price estimates from as many car insurance companies as possible. This helps ensure the most accurate price comparison and a complete price analysis.
Locating the best rates in Chandler is easy if you know what you’re doing. In essence, anyone who is required by state law to have auto insurance will probably be able to save money. But Arizona consumers benefit from understanding the methods companies use to calculate your policy premium and use it to your advantage.
When shopping for inexpensive Chandler car insurance quotes, there are a couple of ways to compare prices from different companies. The easiest way to lower the rate you pay for Mitsubishi Outlander insurance is simply to get online rate quotes. Keep in mind that comparing a large number of companies gives you a better chance of getting more affordable rates.
The providers in the list below have been selected to offer quotes in Chandler, AZ. If you want the best car insurance in AZ, it’s highly recommended you visit several of them in order to find the cheapest rates.
Here’s why insurance is not optional
Despite the fact that insurance is not cheap in Chandler, insurance is not optional due to several reasons.
- Almost all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability coverage if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Mitsubishi Outlander, it’s guaranteed your bank will make it a condition of the loan that you have full coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may insure your Mitsubishi at a more expensive rate and force you to pay much more than you were paying before.
- Insurance preserves both your vehicle and your assets. It will also pay for many types of medical costs incurred in an accident. Liability coverage will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of buying insurance definitely exceed the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $855 a year so you should quote rates each time the policy renews to help ensure money is not being wasted.
Facts and figures for Mitsubishi Outlander insurance
The rate information shown next showcases different coverage prices for Mitsubishi Outlander models. Knowing how auto insurance policy rates are established is important for you to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlander ES 2WD | $202 | $396 | $244 | $14 | $74 | $930 | $78 |
| Outlander SE 4WD | $202 | $396 | $244 | $14 | $74 | $930 | $78 |
| Outlander SE 4WD | $202 | $396 | $244 | $14 | $74 | $930 | $78 |
| Outlander SE 2WD | $202 | $396 | $244 | $14 | $74 | $930 | $78 |
| Outlander SE 2WD | $202 | $396 | $244 | $14 | $74 | $930 | $78 |
| Outlander ES 4WD | $202 | $396 | $244 | $14 | $74 | $930 | $78 |
| Outlander XLS 2WD | $228 | $466 | $244 | $14 | $74 | $1,026 | $86 |
| Outlander XLS 4WD | $228 | $466 | $244 | $14 | $74 | $1,026 | $86 |
| Outlander GT-S AWC 4WD | $228 | $466 | $244 | $14 | $74 | $1,026 | $86 |
| Outlander GT-S AWC 4WD | $228 | $466 | $244 | $14 | $74 | $1,026 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium costs do not factor in Chandler location which can affect auto insurance rates significantly.
The example below highlights how deductible selection and can affect Mitsubishi Outlander premium costs for each age group. The data is based on a single male driver, full physical damage coverage, and no other discounts are factored in.
Mitsubishi Outlander insurance rates: Men versus women
The example below shows the comparison of Mitsubishi Outlander insurance rates for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
Mitsubishi Outlander full coverage rates compared to liability only
The chart below shows the comparison of Mitsubishi Outlander insurance prices with full physical damage coverage compared to only buying liability only. The premiums are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are factored in.
When to drop full coverage
There is no specific rule of when to phase out physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s assume your Mitsubishi Outlander claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $8,000 after you pay the deductible. If it’s costing in excess of $800 annually to have full coverage, then you may need to consider dropping full coverage.
There are some circumstances where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Do you qualify for discounts?
Car insurance can cost a lot, but there’s a good chance there are discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you quote, but a few must be specially asked for prior to getting the savings. If you aren’t receiving every discount you qualify for, you could be getting lower rates.
- Active Service Discounts – Having a deployed family member may qualify for rate reductions.
- Student in College – Any of your kids who live away from home at college without a vehicle on campus can receive lower rates.
- Telematics Discount – Policyholders that allow their insurance company to monitor when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot might see lower rates as long as they are good drivers.
- Responsible Driver Discount – Drivers who avoid accidents may save up to 50% more than their less cautious counterparts.
- Accident Free – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
- Discount for Home Ownership – Owning a home in Chandler can save you money since owning and maintaining a home requires a higher level of personal finance.
- Multiple Vehicles – Buying coverage for more than one vehicle on one policy can reduce the rates for all insured vehicles.
- Senior Citizens – Older drivers can get a slight reduction on a Chandler car insurance quote.
As a footnote on discounts, many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, companies don’t profit that way.
The illustration below visualizes the comparison of Mitsubishi Outlander auto insurance rates with and without some available policy discounts. The premiums are based on a male driver, no violations or claims, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, homeowner, marriage, and safe-driver discounts applied.
The best auto insurance companies and some of the discounts include:
- State Farm policyholders can earn discounts including multiple policy, good driver, good student, defensive driving training, and safe vehicle.
- Nationwide has discounts for business or organization, anti-theft, good student, defensive driving, accident-free, family plan, and easy pay.
- GEICO has savings for daytime running lights, anti-theft, multi-policy, defensive driver, federal employee, multi-vehicle, and good student.
- AAA may have discounts that include multi-policy, anti-theft, good driver, education and occupation, and multi-car.
- 21st Century may offer discounts for air bags, theft prevention, student driver, early bird, good student, automatic seat belts, and anti-lock brakes.
- The Hartford discounts include defensive driver, bundle, driver training, good student, and vehicle fuel type.
If you are trying to find affordable Mitsubishi Outlander insurance quotes, ask all companies you are considering what discounts are available to you. A few discounts may not apply to policies in Chandler. If you would like to view insurance companies who offer online Mitsubishi Outlander insurance quotes in Arizona, click here.
Get rate quotes but buy from a local neighborhood Chandler car insurance agent
Certain consumers still prefer to have an agent’s advice and that can be a great decision A good thing about getting free rate quotes online is you may find cheap car insurance quotes but still work with a licensed agent.
After filling out this simple form, your coverage information is transmitted to participating agents in Chandler that can give you free Chandler car insurance quotes for your insurance coverage. There is no need to do any legwork because quoted prices will be sent immediately to your email address. You can find lower rates without the usual hassles of price shopping. If you need to compare rates from a specific insurance company, just find their quoting web page and fill out the quote form the provide.
Finding the right insurer requires you to look at more than just the premium amount. Any agent in Chandler should be forthright in answering these questions:
- What insurance companies do they recommend if they are an independent agent?
- Can they give you a list of client referrals?
- Is assistance available after office hours?
- How many years of experience in personal auto insurance do they have?
- Is the quote a firm price?
- How long have they been in business?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
When researching a local Chandler insurance agency, it can be helpful to understand the types of agencies and how they are slightly different. Insurance agencies in Chandler can be classified as either independent or exclusive.
Exclusive Agencies
Exclusive agents normally can only provide a single company’s rates like Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. These agents are highly trained on their company’s products and that can be a competitive advantage. Some people will only use the same exclusive agent mostly because of high brand loyalty rather than having the cheapest rates.
Shown below is a list of exclusive insurance agencies in Chandler that are able to give price quotes.
- Allstate Insurance: Robert Gallego
3175 S Price Rd Ste 142 – Chandler, AZ 85248 – (480) 820-0808 – View Map - Farmers Insurance: John D Donadio Insurance Agency
1727 N Arizona Ave #9 – Chandler, AZ 85225 – (480) 382-1570 – View Map - Farmers Insurance – Brett Thomas
4040 S Arizona Ave #14 – Chandler, AZ 85248 – (480) 666-7996 – View Map
Independent Insurance Agents
Agents that elect to be independent can sell policies from many different companies so they can write business with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply switch companies in-house which makes it simple for you.
If you are comparing rate quotes, you absolutely need to get some free quotes from independent agents to have the most options to choose from. They often place coverage with mutual insurance companies that many times have cheaper rates.
Below are independent agents in Chandler who can help you get rate quotes.
- Independent Insurance Agent
5165 S Eileen Dr – Chandler, AZ 85248 – (480) 220-7233 – View Map - Oasis Insurance
1200 N Arizona Ave #3 – Chandler, AZ 85225 – (480) 782-9202 – View Map - Parrish Insurance
1256 W Chandler Blvd # G – Chandler, AZ 85224 – (480) 821-1005 – View Map
After getting good feedback as well as a affordable price, you’ve probably found an insurance agency that can be relied on to properly insure your vehicles. It’s important to know that policyholders can cancel your coverage at any point so don’t think that you are permanently stuck with the car insurance policy for the full policy term.
Tailor your auto insurance coverage to you
When it comes to the right insurance coverage, there really is no one-size-fits-all type of policy. Every insured’s situation is different.
Here are some questions about coverages that can help discover whether or not you will benefit from professional help.
- Am I covered if I wreck a rental car?
- Where can I find DUI or SR-22 insurance?
- Should I file a claim if it’s only slightly more than my deductible?
- Does my medical payments coverage pay my health insurance deductible?
- Is there coverage for injuries to my pets?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Is my custom stereo system covered?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
Best car insurance company in Arizona
Choosing the right car insurance provider can be difficult considering how many companies provide coverage in Arizona. The ranking data shown next could help you select which car insurance providers you want to consider purchasing from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Compare but don’t skimp
We just presented a lot of techniques to lower your Mitsubishi Outlander insurance premium rates in Chandler. The most important thing to understand is the more companies you get prices for, the better likelihood of getting cheaper Chandler car insurance quotes. You may even discover the lowest priced auto insurance comes from the smaller companies.
Drivers change insurance companies for a variety of reasons including policy non-renewal, delays in paying claims, denial of a claim and even being labeled a high risk driver. No matter why you want to switch, finding the right auto insurance provider can be easier than you think.
While you’re price shopping online, you should never reduce coverage to reduce premium. In too many instances, someone dropped collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible at the best cost, but do not skimp to save money.
Additional auto insurance information can be read below:
- Your Car has been Stolen: Now What? (Allstate)
- What Insurance is Cheapest for Homeowners in Chandler? (FAQ)
- Who Has Cheap Chandler Car Insurance Quotes for Drivers Over Age 50? (FAQ)
- Who Has Affordable Auto Insurance with Multiple Speeding Tickets in Chandler? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Reducing Your Risks in a Car Crash Video (iihs.org)