Mitsubishi Outlander Insurance Quotes in Toledo

Insurance quote for Mitsubishi Outlander in ToledoIf you want to save the most money, the best way to get cheaper Mitsubishi Outlander insurance is to start comparing prices yearly from insurance carriers in Toledo.

  1. Try to learn a little about how auto insurance works and the measures you can control to lower rates. Many things that increase rates like accidents, traffic tickets, and your credit history can be eliminated by paying attention to minor details. Read the full article for tips to lower rates and earn larger discounts.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide prices for a wide range of insurance providers.
  3. Compare the quotes to your existing coverage and determine if cheaper Outlander coverage is available in Toledo. If you find a better price and change companies, make sure there is no lapse in coverage.

A good piece of advice is that you use similar limits and deductibles on each price quote and and to look at as many different insurance providers as possible. Doing this ensures a fair rate comparison and and a good selection of different prices.

We don’t have to point out that fact that car insurance companies don’t want you shop around. Insureds who shop around for better prices are highly likely to move their business because of the high probability of finding good coverage at a lower price. A recent survey found that people who compared prices once a year saved about $3,400 over four years compared to those who don’t make a habit of comparing rates.

If finding budget-friendly rates on Mitsubishi Outlander insurance is the reason for your visit, then learning about how to get price quotes and compare auto insurance can help you succeed in saving money.

Low Cost auto insurance in Toledo, OH

The companies in the list below can provide quotes in Toledo, OH. To locate cheap auto insurance in Toledo, we recommend you visit as many as you can to get the most competitive price.

Detailed insurance information

The price information below highlights different insurance premium costs for Mitsubishi Outlander models. Understanding more about how insurance policy rates are figured can be useful when making smart choices when comparing insurance quotes.

Mitsubishi Outlander Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $196 $352 $192 $12 $58 $810 $68
Outlander SE 4WD $196 $352 $192 $12 $58 $810 $68
Outlander SE 4WD $196 $352 $192 $12 $58 $810 $68
Outlander SE 2WD $196 $352 $192 $12 $58 $810 $68
Outlander SE 2WD $196 $352 $192 $12 $58 $810 $68
Outlander ES 4WD $196 $352 $192 $12 $58 $810 $68
Outlander XLS 2WD $220 $416 $192 $12 $58 $898 $75
Outlander XLS 4WD $220 $416 $192 $12 $58 $898 $75
Outlander GT-S AWC 4WD $220 $416 $192 $12 $58 $898 $75
Outlander GT-S AWC 4WD $220 $416 $192 $12 $58 $898 $75
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Prices do not factor in vehicle location which can lower or raise premiums significantly.

Choosing deductibles

A question often asked by Toledo drivers is how high should the physical damage coverage deductibles be. The figures shown below may help to illustrate the rate fluctuation of buying low and high physical damage coverage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Mitsubishi Outlander insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $196 $352 $192 $12 $58 $835 $70
Outlander SE 4WD $196 $352 $192 $12 $58 $835 $70
Outlander SE 4WD $196 $352 $192 $12 $58 $835 $70
Outlander SE 2WD $196 $352 $192 $12 $58 $835 $70
Outlander SE 2WD $196 $352 $192 $12 $58 $835 $70
Outlander ES 4WD $196 $352 $192 $12 $58 $835 $70
Outlander XLS 2WD $220 $416 $192 $12 $58 $923 $77
Outlander XLS 4WD $220 $416 $192 $12 $58 $923 $77
Outlander GT-S AWC 4WD $220 $416 $192 $12 $58 $923 $77
Outlander GT-S AWC 4WD $220 $416 $192 $12 $58 $923 $77
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Mitsubishi Outlander insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $142 $238 $192 $12 $58 $642 $54
Outlander SE 4WD $142 $238 $192 $12 $58 $642 $54
Outlander SE 4WD $142 $238 $192 $12 $58 $642 $54
Outlander SE 2WD $142 $238 $192 $12 $58 $642 $54
Outlander SE 2WD $142 $238 $192 $12 $58 $642 $54
Outlander ES 4WD $142 $238 $192 $12 $58 $642 $54
Outlander XLS 2WD $160 $280 $192 $12 $58 $702 $59
Outlander XLS 4WD $160 $280 $192 $12 $58 $702 $59
Outlander GT-S AWC 4WD $160 $280 $192 $12 $58 $702 $59
Outlander GT-S AWC 4WD $160 $280 $192 $12 $58 $702 $59
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in Toledo location which can lower or raise coverage rates considerably.

We can derive from the above data that using a $100 deductible would cost the average driver about $17 more each month or $204 for a full year than buying the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 24 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

The illustration below shows how choosing a deductible and can impact Mitsubishi Outlander insurance prices for different categories of driver ages. The premiums assume a single male driver, comp and collision included, and no policy discounts are applied.

Violations and accidents raise rates

The information below demonstrates how traffic citations and at-fault claims raise Mitsubishi Outlander auto insurance rates for different categories of driver ages. The information is based on a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Mitsubishi Outlander full coverage rates compared to liability only

The illustration below illustrates the difference between Mitsubishi Outlander auto insurance costs with liability coverage only compared to full coverage. The data assumes no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.

When to drop comprehensive and collision

There is no clear-cut rule for eliminating full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s say your Mitsubishi Outlander replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after the deductible is paid. If you are paying over $800 annually for full coverage, then it may be the right time to buy liability only.

There are some cases where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not drop full coverage.

These discounts can reduce Mitsubishi Outlander insurance rates

Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. Most are applied when you quote, but some discounts are required to be requested specifically prior to getting the savings.Auto insurance discounts

As a sidenote, most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, nobody gets a free ride.

The information below visualizes the comparison of Mitsubishi Outlander insurance premiums with and without discounts applied to the rates. The data is based on a female driver, no claims, a clean driving record, Ohio 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 multi-car, safe-driver, multi-policy, claim-free, homeowner, and marriage discounts applied.

A few of the larger companies and some of their more popular discounts are detailed below.

Before purchasing a policy, check with each company or agent what discounts are available to you. Discounts may not be offered in Toledo. To view auto insurance companies with the best discounts in Ohio, click here to view.

Insurance Cost Influencing Factors

Many different elements are used in the calculation when premium rates are determined. Some are obvious like an MVR report, but some are not quite as obvious like your vehicle usage or your financial responsibility. One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that go into determining the rates you pay for auto insurance. If you have a feel for what determines premiums, this helps enable you to make changes that could help you find cheaper rates.

Infrequent drivers can save – The more miles you rack up on your Mitsubishi in a year’s time the more it will cost to insure it. Most companies rate vehicles based upon how you use the vehicle. Vehicles that have low annual miles receive better premium rates than those used for commuting. Make sure your auto insurance policy is rated on the correct usage for each vehicle, because it can save money. Improper usage on your Outlander may be wasting your money.

Single drivers take more risk – Your spouse can actually save you money on auto insurance. Having a spouse means you’re more stable financially and insurance companies reward insureds because married drivers get in fewer accidents.

Higher deductibles save money – Physical damage deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Some coverage claims could be a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The more expense you are required to pay out-of-pocket, the less money you will pay for auto insurance.

Auto insurance rates and age – More experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and get fewer tickets. Beginning drivers have been known to be more careless behind the wheel therefore auto insurance rates are much higher.

The next chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Avoid unnecessary extra coverages – There are many optional add-on coverages that can add up if you aren’t diligent. Coverages like vanishing deductibles, towing, and membership fees could be just wasting money. They may seem like a good idea when discussing your needs, but if you have no use for them eliminate them to save money.

Gender and auto insurance premiums – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Females and males cause auto accidents in similar numbers, but the men cause more damage. They also get more serious tickets such as DWI and reckless driving. Teenage male drivers have the highest risk to insure and therefore are the most expensive to insure.

The chart below shows the comparison of Mitsubishi Outlander yearly insurance costs for male and female drivers. The price estimates are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are factored in.

Claim-free discounts can add up – If you file a lot of claims you can expect higher premiums or even policy non-renewal. Companies in Ohio provide lower rates to drivers who are claim-free. Your car insurance is meant to be used in the event of the large, substantial claims.

Premiums and vocation – Occupations like military personnel, air traffic controllers, and financial analysts generally pay higher rates than the rest of us due to intense work-related stress and lots of time spent away from family. On the other hand, jobs such as scientists, engineers and performers have the lowest average rates.

Loss statistics for a Mitsubishi Outlander – Insurance companies take into consideration insurance loss statistics for every vehicle when they set coverage costs for each model. Models that the data determines to have increased claim numbers or amounts will cost more for specific coverages.

The next table illustrates the insurance loss data for Mitsubishi Outlander vehicles. For each type of coverage, the loss probability for all vehicles combined as an average is represented as 100. Percentages below 100 suggest a positive loss record, while percentages above 100 indicate higher probability of having a loss or an increased chance of larger losses than average.

Mitsubishi Outlander Insurance Loss Statistics
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

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Car insurance agents can help

Many drivers would prefer to sit down and talk to an agent and that is a smart decision One of the best bonuses of price shopping on the web is the fact that drivers can get cheap car insurance rates but still work with a licensed agent.

Find insurance agent in ToledoFor easy comparison, once you complete this simple form, the coverage information is emailed to local insurance agents in Toledo who will return price quotes for your business. It’s much easier because you don’t need to find an agent on your own because quoted prices will be sent straight to your inbox. You can get cheaper car insurance rates and work with a local agent. If for some reason you want to compare rates from a particular provider, you can always find their quoting web page and fill out the quote form the provide.

Choosing a insurance company is decision based upon more than just a low price. You should also get answers to these questions.

Toledo auto insurance agents are either independent or exclusive

If you want to use a local Toledo insurance agency, it’s helpful to know the different types of agents to choose from. Agents in Toledo can be categorized as either exclusive or independent.

Exclusive Car Insurance Agencies

Agents that elect to be exclusive work for only one company such as American Family, State Farm, and AAA. These agents are unable to place coverage with different providers so it’s a take it or leave it situation. Exclusive insurance agents are well schooled on sales techniques which helps overcome the inability to quote other rates.

The following is a short list of exclusive agencies in Toledo that are able to give rate quotes.

5415 Monroe St #2aToledo, OH 43623(419) 841-5017View Map

1900 Monroe StToledo, OH 43604(419) 241-8061View Map

3700 N Holland Sylvania RdToledo, OH 43615(419) 517-5579View Map

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Independent Car Insurance Agents

Agents that choose to be independent are not employed by one company so they can write business with an assortment of companies and help determine which has the cheapest rates. If they quote lower rates, they simply switch companies in-house which requires no work on your part.

If you are comparing car insurance prices, we highly recommend that you include price quotes from several independent agencies for the best price selection.

Shown below is a list of independent insurance agencies in Toledo willing to provide rate quotes.

Fox Insurance
4560 Heatherdowns Blvd # 103Toledo, OH 43614(419) 385-2797View Map

1120 Madison AveToledo, OH 43604(419) 243-1191View Map

3307 N Holland Sylvania Rd #6Toledo, OH 43615(419) 725-2886View Map

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Car insurance company ratings

Finding the right insurance company can be difficult considering how many choices drivers have in Toledo. The information shown next could help you choose which car insurance providers to look at shopping prices with.

Top 10 Toledo Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Cheaper car insurance prices are available

Cheaper Mitsubishi Outlander insurance in Toledo is available both online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies don’t offer rates over the internet and many times these small insurance companies prefer to sell through local independent agencies.

We covered many tips how you can shop for Mitsubishi Outlander insurance online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest prices come from the smaller companies. They may often insure only within specific states and give better rates as compared to the big name companies such as Progressive and GEICO.

Additional information