Affordable Mitsubishi Outlander Insurance in Lubbock

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Insurance quote for Mitsubishi Outlander in LubbockThe most effective way to find affordable Mitsubishi Outlander insurance in Lubbock is to compare quotes annually from insurance carriers in Texas. Prices can be compared by following these guidelines.

  • First, get a basic knowledge of what coverages are included in your policy and the measures you can take to keep rates down. Many things that result in higher rates like speeding tickets, accidents and a lousy credit rating can be rectified by being financially responsible and driving safely.
  • Second, request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agents can give you price quotes for a wide range of insurance providers.
  • Third, compare the new rate quotes to your current policy to see if a cheaper rate is available. If you find a lower rate and change companies, verify that coverage does not lapse between policies.

The key thing to remember is that you use the same physical damage deductibles and liability limits on every price quote and and to get quotes from as many auto insurance providers as possible. This ensures an accurate price comparison and many rates to choose from.

It's safe to conclude that insurance companies don't want their policyholders to compare prices. Drivers who shop around for the cheapest price are very likely to buy a new policy because there is a great chance of finding a policy with more affordable rates. A recent survey discovered that people who regularly compared price quotes saved on average $860 a year compared to policyholders who never shopped around for cheaper prices.

If finding the lowest price for auto insurance is your goal, then having some insight into how to quote prices and compare auto insurance can save time and make the process easier.

Finding low cost Mitsubishi Outlander insurance quotes is actually easier than you may think. The only thing you need to do is take a few minutes comparing rates to find out which insurance company has the cheapest Mitsubishi Outlander rate quotes.

The companies in the list below are our best choices to provide price quotes in Lubbock, TX. If you want cheaper car insurance in Lubbock, it's highly recommended you visit as many as you can in order to find the lowest rates.

Statistics and details

The coverage table shown below outlines estimates of coverage costs for Mitsubishi Outlander models. Knowing how insurance policy rates are formulated can be valuable when making smart policy decisions.

Mitsubishi Outlander Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $326 $610 $438 $26 $130 $1,530 $128
Outlander SE 4WD $326 $610 $438 $26 $130 $1,530 $128
Outlander SE 4WD $326 $610 $438 $26 $130 $1,530 $128
Outlander SE 2WD $326 $610 $438 $26 $130 $1,530 $128
Outlander SE 2WD $326 $610 $438 $26 $130 $1,530 $128
Outlander ES 4WD $326 $610 $438 $26 $130 $1,530 $128
Outlander XLS 2WD $368 $720 $438 $26 $130 $1,682 $140
Outlander XLS 4WD $368 $720 $438 $26 $130 $1,682 $140
Outlander GT-S AWC 4WD $368 $720 $438 $26 $130 $1,682 $140
Outlander GT-S AWC 4WD $368 $720 $438 $26 $130 $1,682 $140
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific Lubbock garaging location which can increase or decrease rates greatly.

Physical damage deductibles: Should you raise them?

One frequently asked question is how high should the deductibles for physical damage be. The rates below can help you understand how much more rates are between high and low deductibles. The first price estimate table uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Mitsubishi Outlander insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $294 $496 $324 $20 $96 $1,255 $105
Outlander SE 4WD $294 $496 $324 $20 $96 $1,255 $105
Outlander SE 4WD $294 $496 $324 $20 $96 $1,255 $105
Outlander SE 2WD $294 $496 $324 $20 $96 $1,255 $105
Outlander SE 2WD $294 $496 $324 $20 $96 $1,255 $105
Outlander ES 4WD $294 $496 $324 $20 $96 $1,255 $105
Outlander XLS 2WD $332 $584 $324 $20 $96 $1,381 $115
Outlander XLS 4WD $332 $584 $324 $20 $96 $1,381 $115
Outlander GT-S AWC 4WD $332 $584 $324 $20 $96 $1,381 $115
Outlander GT-S AWC 4WD $332 $584 $324 $20 $96 $1,381 $115
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Mitsubishi Outlander insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $182 $312 $324 $20 $96 $934 $78
Outlander SE 4WD $182 $312 $324 $20 $96 $934 $78
Outlander SE 4WD $182 $312 $324 $20 $96 $934 $78
Outlander SE 2WD $182 $312 $324 $20 $96 $934 $78
Outlander SE 2WD $182 $312 $324 $20 $96 $934 $78
Outlander ES 4WD $182 $312 $324 $20 $96 $934 $78
Outlander XLS 2WD $206 $368 $324 $20 $96 $1,014 $85
Outlander XLS 4WD $206 $368 $324 $20 $96 $1,014 $85
Outlander GT-S AWC 4WD $206 $368 $324 $20 $96 $1,014 $85
Outlander GT-S AWC 4WD $206 $368 $324 $20 $96 $1,014 $85
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in zip code location which can impact prices noticeably.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $28 more each month or $336 each year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 27 months between claim filings, you would most likely save money if you opt for a higher deductible. The illustration below shows how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $109
Average monthly premium for $1,000 deductibles (subtract): - $81
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One thing to note is that a higher deductible results in a higher out-of-pocket expense if you have a claim. That will force you to have some extra funds in order to pay the deductible for vehicle repair.

The chart below illustrates how your deductible choice and can impact Mitsubishi Outlander insurance costs for different insured age categories. The rate quotes are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Cost of full coverage in Lubbock

The chart below illustrates the comparison of Mitsubishi Outlander premium costs when comparing full coverage to state minimum liability only. Data assumes no tickets, no at-fault accidents, $100 deductibles, single status, and no discounts are applied to the premium.

When to buy liability coverage only

There is no specific rule for excluding full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let's say your Mitsubishi Outlander claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after the policy deductible has been paid. If you are paying more than $700 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some circumstances where dropping physical damage coverage is not in your best interest. If you haven't paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

How do I know if I need professional advice?

When quoting and choosing the best car insurance coverage, there really isn't a one size fits all plan. Coverage needs to be tailored to your specific needs.Safe vehicles cost less to insure

For example, these questions may help you determine if your situation may require specific advice.

  • When should I not buy collision coverage?
  • Should I rate my vehicle as business use?
  • Is my trailer covered?
  • Which companies will insure me after a DUI?
  • Which is better, split liability limits or combined limits?
  • What companies insure drivers after a DUI or DWI?
  • Is there coverage for injuries to my pets?
  • Will my insurance pay for OEM parts?
  • Who does medical payments coverage extend to?
  • What does medical payments coverage do?

If you're not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

What if I want to buy from local Lubbock insurance agencies?

Many drivers would rather sit down and talk to an agent and that is a smart decision Professional insurance agents can help you build your policy and help submit paperwork. A good thing about comparing insurance online is you can get the best rates and still have a local agent.

Lubbock insurance agentsBy using this simple form, your information gets sent to insurance agents in Lubbock who can give free rate quotes for your business. There is no reason to drive around because prices are sent directly to your email. If you need to compare rates for a specific company, feel free to navigate to their website and complete a quote there.

Finding the right provider should include more criteria than just a low price. These are valid questions to ask:

  • Will their companies depreciate repairs to your car based on the mileage?
  • How many years have they been established?
  • Did they already check your driving record and credit reports?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Can you use your own choice of collision repair facility?

When researching a good insurance agency, it helps to know the two types of agencies and how they differ in how they can insure your vehicles. Insurance policy providers are categorized either exclusive or independent agents depending on their company appointments. Either one can sell affordable insurance policies, but it's important to point out the differences because it may have an impact on the selection process.

Exclusive Insurance Agencies

Exclusive agents can only place business with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on their products and sales techniques which helps them sell on service rather than price. Drivers often use the same exclusive agent primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below is a short list of exclusive insurance agents in Lubbock who can help you get rate quotes.

More Lubbock agents

Independent Agents (or Brokers)

These type of agents do not have single company limitations and that enables them to quote your coverage through many different insurance companies and get you the best rates possible. If they find a lower price, they simply move the coverage in-house and you don't have to find a new agent.

When searching for an agent, it's a good idea to get insurance quotes from a couple of independent agencies to have the best price comparison. They also have the ability to place coverage with companies that do not advertise much which can be an advantage.

The following are Lubbock independent agencies willing to provide price quote information.

More Lubbock agents

How to find a good Lubbock car insurance company

Buying coverage from the best insurance provider is hard considering how many companies there are in Lubbock. The company information listed below can help you pick which providers you want to consider purchasing coverage from.

Top 10 Lubbock Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General