Anyone knows that car insurance companies don’t want you to look for cheaper rates. Consumers who shop around for a cheaper policy will probably buy a different policy because there is a high probability of finding more affordable rates. A study showed that drivers who shopped around every year saved as much as $3,400 over four years as compared to drivers who never shopped around.
If finding the cheapest price on Mitsubishi Outlander insurance is your ultimate objective, then having some knowledge of how to quote prices and compare car insurance can make it easier for you to save money.
The easiest way to find cheaper Mitsubishi Outlander insurance is to regularly compare price quotes from providers in Bakersfield. Price quotes can be compared by following these steps.
Step 1: Spend a few minutes and learn about the coverage provided by your policy and the things you can change to prevent expensive coverage. Many rating criteria that result in higher prices like careless driving and a bad credit rating can be eliminated by being financially responsible and driving safely.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple companies.
Step 3: Compare the new rate quotes to your current policy to see if a cheaper rate is available in Bakersfield. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.
A good tip to remember is to make sure you’re comparing identical coverage information on each quote and and to compare as many different companies as possible. This enables an accurate price comparison and and a good selection of different prices.
Affordable Bakersfield insurance quotes with discounts
Insurance is neither fun to buy or cheap, but there could be available discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time of purchase, but lesser-known reductions have to be requested specifically before they will apply.
- Low Mileage – Low mileage vehicles can qualify you for cheaper insurance rates.
- Resident Student – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle could get you a discount.
- Multi-Vehicle Discounts – Insuring multiple vehicles with the same insurance company can get a discount on all vehicles.
- 55 and Retired – Drivers over the age of 55 are able to get reduced rates.
- Multi-line Discount – If the company offers life insurance, you could get a break if you buy life insurance.
- Lower Rates for Military – Being deployed in the military could trigger a small discount.
Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.
The information below compares Mitsubishi Outlander insurance costs with and without discounts applied to the rates. The data assumes a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, claim-free, and marriage discounts applied.
The best insurance companies and some of the discounts include:
- Progressive offers premium reductions for homeowner, continuous coverage, multi-vehicle, multi-policy, online quote discount, and online signing.
- GEICO discounts include daytime running lights, military active duty, air bags, anti-lock brakes, multi-policy, multi-vehicle, and driver training.
- State Farm offers discounts including multiple policy, Drive Safe & Save, good student, anti-theft, and defensive driving training.
- Esurance offers discounts for multi-car, emergency road assistance, online shopper, good driver, Switch & Save, defensive driver, and anti-theft.
- The Hartford may offer discounts for good student, vehicle fuel type, air bag, defensive driver, and anti-theft.
Double check with every company what discounts are available to you. All car insurance discounts may not apply to policies in every state. To view insurance companies who offer discounts in California, follow this link.
The quickest way to get rate comparisons for Mitsubishi Outlander insurance in Bakersfield is to understand all the major auto insurance companies provide online access to give rate comparisons. All consumers are required to do is provide a small amount of information like how your vehicles are used, marital status, if you lease or own, and daily mileage. The rating information gets sent immediately to many different companies and they provide comparison quotes very quickly.
If you would like to compare rates now, click here then complete the form.
The providers in the list below can provide quotes in Bakersfield, CA. If multiple companies are listed, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Mitsubishi Outlander insurance rates and statistics
The table displayed next showcases a range of insurance policy prices for Mitsubishi Outlander models. Having knowledge of how policy premiums are calculated is important for you to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlander ES 2WD | $238 | $454 | $394 | $24 | $118 | $1,228 | $102 |
| Outlander SE 4WD | $238 | $454 | $394 | $24 | $118 | $1,228 | $102 |
| Outlander SE 4WD | $238 | $454 | $394 | $24 | $118 | $1,228 | $102 |
| Outlander SE 2WD | $238 | $454 | $394 | $24 | $118 | $1,228 | $102 |
| Outlander SE 2WD | $238 | $454 | $394 | $24 | $118 | $1,228 | $102 |
| Outlander ES 4WD | $238 | $454 | $394 | $24 | $118 | $1,228 | $102 |
| Outlander XLS 2WD | $270 | $536 | $394 | $24 | $118 | $1,342 | $112 |
| Outlander XLS 4WD | $270 | $536 | $394 | $24 | $118 | $1,342 | $112 |
| Outlander GT-S AWC 4WD | $270 | $536 | $394 | $24 | $118 | $1,342 | $112 |
| Outlander GT-S AWC 4WD | $270 | $536 | $394 | $24 | $118 | $1,342 | $112 |
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in vehicle garaging location which can lower or raise coverage prices significantly.
Drive responsibly or pay higher rates
The information below highlights how traffic violations and accident claims impact Mitsubishi Outlander car insurance rates for each age group. The rates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
How Insurance Providers Calculate Mitsubishi Outlander Insurance Premiums
The best way to find cheaper auto insurance is to take a look at the rating factors that play a part in calculating your premiums. When consumers understand what influences your rates, this enables informed choices that may reward you with better auto insurance rates.
The items below are a few of the “ingredients” used by companies to determine prices.
- Proper usage rating affects rates – The more you drive your Mitsubishi in a year’s time the more you will pay for auto insurance. The majority of insurers price each vehicle’s coverage based upon how much you drive. Autos left parked in the garage qualify for better rates compared to those used for work or business. An incorrectly rated Outlander can cost quite a bit. It’s a smart idea to ensure your policy is showing the correct driver usage, because it can save money.
- Do you qualify for a multi-policy discount? – The majority of insurance companies will give discounts to insureds who consolidate policies with them in the form of a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s in your best interest to shop around to make sure you are getting the best deal.
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Driver age impacts prices – More mature drivers tend to be more responsible, tend to cause fewer accidents, and get fewer tickets. Drivers with little experience have a tendency to be inattentive when behind the wheel and because of this, their auto insurance rates are much higher.
The chart below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Stress out and pay more – Occupations like lawyers, social workers, and financial analysts are shown to have the highest rates attributed to high stress and lots of time spent at work. On the flip side, jobs such as actors, athletes and the unemployed have the lowest average rates.
- More traffic means higher claims – Having an address in areas with lower population has definite advantages when trying to find low car insurance rates. Fewer people means fewer accidents in addition to fewer liability claims. People in densely populated areas have traffic congestion and a longer drive to work. The longer drive time means more chances of being involved in an auto accident.
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Performance makes a difference – The make and model of the vehicle you are trying to find cheaper insurance for makes a big difference in your rates. The cheapest rates are generally reserved for the lowest performance passenger cars, but other factors influence the final cost greatly.
The following chart is based on a married female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The data compares Mitsubishi Outlander rates compared to other models of vehicles that have different performance risks.
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Men pay more for auto insurance – Over time, data shows that females take fewer risks when driving. However, don’t assume that females are better drivers. Men and women cause accidents at a similar rate, but men tend to have higher claims. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
The diagram below visualizes the comparison of Mitsubishi Outlander car insurance rates for male and female drivers. The premiums are based on a clean driving record, no claims, comp and collision included, $100 deductibles, drivers are single, and no other discounts are factored in.
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Insurance loss statistics a Mitsubishi Outlander – Insurance companies use data from past claims when they calculate premium prices for each model. Vehicles that are shown to have higher frequency or amount of claims will have higher rates.
The information below illustrates the loss history for Mitsubishi Outlander vehicles. For each coverage category, the loss probability for all vehicles averaged together equals 100. Numbers shown that are under 100 indicate better than average losses, while numbers that are greater than 100 show a trend for more claims or a tendency for losses to be larger than average.
Auto Insurance Loss Data for Mitsubishi Outlander Models 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Local Bakersfield insurance agencies
Some consumers still prefer to talk to an insurance agent and we recommend doing that Most agents can help you choose the best coverages and help file insurance claims. One of the best bonuses of getting free rate quotes online is you can get cheaper prices and also buy local. Putting coverage with neighborhood insurance agencies is still important in Bakersfield.
After completing this simple form, the quote information is transmitted to local insurance agents that can provide free Bakersfield auto insurance quotes to get your business. It’s much easier because you don’t need to leave your computer due to the fact that quote results will go directly to your email. If you have a need to get a price quote from a specific insurance company, just find their quoting web page and submit a quote form there.
When narrowing the list to find a reliable insurance agent, it’s important to understand the types of insurance agents that you can select. Insurance agencies in Bakersfield are categorized either independent agents or exclusive agents depending on their employer. Either can insure your vehicles properly, but it’s worth mentioning the difference in the companies they write for because it can factor into which type of agent you select.
Independent Agents (or Brokers)
Independent insurance agents are not locked into one company so as a result can place your coverage with lots of companies and potentially find a lower price. If you want to switch companies, your policy is moved internally which requires no work on your part. If you need lower rates, we highly recommend that you get rate quotes from at least one independent agent to ensure the widest selection of prices. Most independent agents also contract with companies you’ve never heard of that can offer cheaper rates than bigger companies.
Below is a list of independent insurance agencies in Bakersfield who can help you get free car insurance rate quotes.
- Edward J. Herrera Insurance Agency
2017 19th St – Bakersfield, CA 93301 – (661) 327-4028 – View Map - Covermax Insurance Agency Inc.
1910 E California Ave – Bakersfield, CA 93307 – (661) 363-0645 – View Map - Hay Insurance Agency Inc.
4921 Calloway Dr # 101 – Bakersfield, CA 93312 – (661) 829-8933 – View Map
Exclusive Agents
Exclusive agents write business for a single company such as Allstate, State Farm and Farm Bureau. They are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are very knowledgeable on the products they sell which helps overcome the inability to quote other rates. Some insured continue to buy from exclusive agents primarily because of the brand name rather than having low rates.
Shown below is a short list of exclusive insurance agents in Bakersfield willing to provide price quotes.
- Jeremy Scheidle – State Farm Insurance Agent
2017 24th St – Bakersfield, CA 93301 – (661) 861-9797 – View Map - GEICO Insurance Agent
5550 California Ave #101 – Bakersfield, CA 93309 – (661) 431-1780 – View Map - Farmers Insurance: Grant Fortt
2623 F St – Bakersfield, CA 93301 – (661) 829-4499 – View Map
Deciding on an car insurance agent requires more thought than just the premium amount. You should also get answers to these questions.
- When do they do policy reviews?
- If your car is in the repair shop, do you have coverage for a rental car?
- Does the company have a solid financial rating?
- How does the company pay claims for a total loss?
- How long has their agency been open in Bakersfield?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they make recommendations based only on price?
- Where would your vehicle be repaired?
Auto insurance is not optional but you don’t have to overpay
Even though it’s not necessarily cheap to insure a Mitsubishi in Bakersfield, insuring your vehicle may be mandatory for several reasons.
- Almost all states have mandatory insurance requirements which means you are required to carry specific limits of liability insurance in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Mitsubishi has a loan, most lenders will force you to have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your Mitsubishi at an extremely high rate and force you to reimburse them the higher price.
- Insurance safeguards your vehicle and your assets. It also can pay for medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is overpaying over $700 annually so it’s very important to do a rate comparison every year to save money.
Don’t give up on cheaper rates
Some insurance companies may not offer rates over the internet and most of the time these regional carriers prefer to sell through independent agents. Lower-priced Mitsubishi Outlander insurance in Bakersfield can be bought both online as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture.
Drivers leave their current company for a number of reasons such as poor customer service, delays in responding to claim requests, denial of a claim or even high rates after DUI convictions. It doesn’t matter what your reason, finding the right insurance provider can be easier than you think.
When you buy Bakersfield auto insurance online, never buy poor coverage just to save money. In many instances, someone dropped liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
More information is available on the following sites:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Who Has the Cheapest Car Insurance Rates for Ride Shares in Bakersfield? (FAQ)
- Who Has Affordable Bakersfield Auto Insurance for Uninsured Drivers? (FAQ)
- Who Has Affordable Bakersfield Car Insurance Rates for a 20 Year Old Female? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- Booster Seat Ratings (iihs.org)
- Event Data Recorders FAQ (iihs.org)