Mitsubishi Outlander Insurance Quotes in Fresno

A study showed that about 70% of customers have purchased from the same company for at least four years, and nearly half have never shopped around. Fresno drivers could cut their rates by roughly 35% a year just by shopping around, but they think it’s difficult to do a rate comparison.

Insurance for Mitsubishi OutlanderIf saving the most money is your goal, then the best way to get discount Mitsubishi Outlander insurance is to start doing an annual price comparison from providers who sell auto insurance in Fresno. You can shop around by completing these steps.

One important bit of advice is that you’ll want to make sure you compare identical coverages on each quote request and and to get quotes from as many companies as you can. This ensures the most accurate price comparison and the best rate selection.

If you’re already insured or are looking for a new policy, you can use these techniques to get lower rates and still have adequate protection. We hope to teach you how insurance works and some money-saving tips. You just have to understand the proper methods to find the lowest price online.

Eight Things That Affect Your Insurance Prices

Smart consumers have a good feel for the different types of things that go into determining your car insurance rates. When you understand what impacts premium levels, this empowers consumers to make smart changes that can earn you better car insurance rates. Lots of things are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but some are less apparent such as whether you are married or your commute time.

The following are most of the major factors car insurance companies consider when setting your prices.

Mitsubishi Outlander insurance statistics and information

The rate information below showcases detailed analysis of prices for Mitsubishi Outlander models. Having knowledge of how insurance prices are formulated can be of help when making smart buying decisions.


Mitsubishi Outlander Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $182 $354 $394 $24 $118 $1,072 $89
Outlander SE 4WD $182 $354 $394 $24 $118 $1,072 $89
Outlander SE 4WD $182 $354 $394 $24 $118 $1,072 $89
Outlander SE 2WD $182 $354 $394 $24 $118 $1,072 $89
Outlander SE 2WD $182 $354 $394 $24 $118 $1,072 $89
Outlander ES 4WD $182 $354 $394 $24 $118 $1,072 $89
Outlander XLS 2WD $204 $418 $394 $24 $118 $1,158 $97
Outlander XLS 4WD $204 $418 $394 $24 $118 $1,158 $97
Outlander GT-S AWC 4WD $204 $418 $394 $24 $118 $1,158 $97
Outlander GT-S AWC 4WD $204 $418 $394 $24 $118 $1,158 $97
Get Your Own Custom Quote Go

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can influence rates significantly.

Analysis of deductible levels

One of the more difficult decisions when buying auto insurance is where should you set your physical damage deductibles. The rates shown below can help you visualize the rate difference when you choose different physical damage deductibles. The first rate comparisons uses a $100 deductible and the second price grid uses a $1,000 deductible.


Mitsubishi Outlander insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $380 $686 $376 $22 $112 $1,601 $133
Outlander SE 4WD $380 $686 $376 $22 $112 $1,601 $133
Outlander SE 4WD $380 $686 $376 $22 $112 $1,601 $133
Outlander SE 2WD $380 $686 $376 $22 $112 $1,601 $133
Outlander SE 2WD $380 $686 $376 $22 $112 $1,601 $133
Outlander ES 4WD $380 $686 $376 $22 $112 $1,601 $133
Outlander XLS 2WD $430 $810 $376 $22 $112 $1,775 $148
Outlander XLS 4WD $430 $810 $376 $22 $112 $1,775 $148
Outlander GT-S AWC 4WD $430 $810 $376 $22 $112 $1,775 $148
Outlander GT-S AWC 4WD $430 $810 $376 $22 $112 $1,775 $148
Get Your Own Custom Quote Go

Mitsubishi Outlander insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $210 $362 $376 $22 $112 $1,082 $90
Outlander SE 4WD $210 $362 $376 $22 $112 $1,082 $90
Outlander SE 4WD $210 $362 $376 $22 $112 $1,082 $90
Outlander SE 2WD $210 $362 $376 $22 $112 $1,082 $90
Outlander SE 2WD $210 $362 $376 $22 $112 $1,082 $90
Outlander ES 4WD $210 $362 $376 $22 $112 $1,082 $90
Outlander XLS 2WD $238 $426 $376 $22 $112 $1,174 $98
Outlander XLS 4WD $238 $426 $376 $22 $112 $1,174 $98
Outlander GT-S AWC 4WD $238 $426 $376 $22 $112 $1,174 $98
Outlander GT-S AWC 4WD $238 $426 $376 $22 $112 $1,174 $98
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in specific zip code location which can influence insurance rates greatly.

We can estimate from the data above that using a $100 deductible will cost you approximately $46 more each month or $552 annually than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 20 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

The information below illustrates how your deductible choice and can raise or lower Mitsubishi Outlander yearly insurance costs for each age group. The costs are based on a married male driver, comp and collision included, and no other discounts are factored in.

Do you need full coverage?

The chart below shows the comparison of Mitsubishi Outlander premium costs with full physical damage coverage and with liability coverage only. The costs are based on no violations or claims, $250 deductibles, single marital status, and no policy discounts are applied.

When to buy liability coverage only

There is no set guideline of when to phase out full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Mitsubishi Outlander claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $2,000 after paying the physical damage deductible. If you are currently paying more than $200 a year to have full coverage, then you might consider buying liability only.

There are some circumstances where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.

Affordable Mitsubishi Outlander insurance quotes in Fresno

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but occasionally some discounts must be inquired about before you will receive the discount.Cheaper insurance with discounts

As a footnote on discounts, most discounts do not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

The illustration below visualizes the comparison of Mitsubishi Outlander car insurance rates with and without discounts applied. The prices are based on a male driver, no claims or driving citations, 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 safe-driver, marriage, multi-car, homeowner, claim-free, and multi-policy discounts applied.

To view insurers that can offer you the previously mentioned discounts in Fresno, click here.

The best insurance company isn’t always the cheapest

We just presented a lot of tips how to get a better price on Mitsubishi Outlander insurance in Fresno. The key concept to understand is the more you quote Fresno auto insurance, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with the least-expected company.

Consumers who switch companies do it for many reasons like lack of trust in their agent, questionable increases in premium, not issuing a premium refund or even high prices. No matter why you want to switch, switching auto insurance companies can be less work than you think.

Some auto insurance companies may not have internet price quotes and usually these regional carriers provide coverage only through independent insurance agencies. Lower-priced auto insurance in Fresno can be bought on the web and also from your neighborhood Fresno agents, and you need to price shop both to have the best rate selection.

Much more information about auto insurance in California is available on the following sites: