Discount Mitsubishi Outlander insuranceTired of paying out the nose to buy insurance? Your situation is no different than many other South Carolina consumers.

A study showed that most consumers have stayed with the same insurance company for over three years, and nearly 40% of drivers have never even compared quotes to find affordable rates. With the average premium in South Carolina being $1,400, drivers could save as much as 55% each year just by shopping around, but they just don't understand how much savings they would realize if they just switched companies.

Due to the increasing number of online and local companies to choose from, it's difficult to find the most affordable insurer.

Our objective in writing this article is to help you learn how auto insurance companies operate and also save some money in the process If you are insured now, you will surely be able to get lower rates using these tips. Although South Carolina vehicle owners do need to understand the methods companies use to charge you for coverage because rates fluctuate considerably.

Affordable companies for Mitsubishi Outlander insurance

The car insurance companies shown below provide quotes in Columbia, SC. If multiple companies are listed, we recommend you visit as many as you can in order to find the lowest rates.

Mitsubishi Outlander Insurance Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $126 $232 $272 $16 $82 $728 $61
Outlander SE 4WD $158 $274 $296 $18 $88 $834 $70
Outlander SE 4WD $184 $352 $328 $20 $98 $982 $82
Outlander SE 2WD $326 $652 $392 $24 $118 $1,512 $126
Outlander SE 2WD $126 $232 $272 $16 $82 $728 $61
Outlander ES 4WD $184 $352 $304 $18 $92 $950 $79
Outlander XLS 2WD $256 $514 $304 $18 $92 $1,184 $99
Outlander XLS 4WD $270 $482 $298 $18 $90 $1,158 $97
Outlander GT-S AWC 4WD $232 $446 $278 $16 $84 $1,056 $88
Outlander GT-S AWC 4WD $232 $478 $378 $22 $112 $1,222 $102
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in vehicle location which can modify price quotes considerably.

Rate comparison for different deductibles

One of the most common auto insurance questions is at what level do you set your deductibles. The data tables below can help you visualize how much more rates are between low and high coverage deductibles. The first rate table uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Mitsubishi Outlander insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $264 $444 $290 $18 $86 $1,127 $94
Outlander SE 4WD $264 $444 $290 $18 $86 $1,127 $94
Outlander SE 4WD $264 $444 $290 $18 $86 $1,127 $94
Outlander SE 2WD $264 $444 $290 $18 $86 $1,127 $94
Outlander SE 2WD $264 $444 $290 $18 $86 $1,127 $94
Outlander ES 4WD $264 $444 $290 $18 $86 $1,127 $94
Outlander XLS 2WD $298 $524 $290 $18 $86 $1,241 $103
Outlander XLS 4WD $298 $524 $290 $18 $86 $1,241 $103
Outlander GT-S AWC 4WD $298 $524 $290 $18 $86 $1,241 $103
Outlander GT-S AWC 4WD $298 $524 $290 $18 $86 $1,241 $103
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Mitsubishi Outlander insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlander ES 2WD $214 $358 $290 $18 $86 $966 $81
Outlander SE 4WD $214 $358 $290 $18 $86 $966 $81
Outlander SE 4WD $214 $358 $290 $18 $86 $966 $81
Outlander SE 2WD $214 $358 $290 $18 $86 $966 $81
Outlander SE 2WD $214 $358 $290 $18 $86 $966 $81
Outlander ES 4WD $214 $358 $290 $18 $86 $966 $81
Outlander XLS 2WD $242 $422 $290 $18 $86 $1,058 $88
Outlander XLS 4WD $242 $422 $290 $18 $86 $1,058 $88
Outlander GT-S AWC 4WD $242 $422 $290 $18 $86 $1,058 $88
Outlander GT-S AWC 4WD $242 $422 $290 $18 $86 $1,058 $88
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in zip code location which can decrease or increase prices noticeably.

We can estimate from the data above that using a $250 deductible will cost you about $14 more each month or $168 each year than choosing the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 18 months between claims, you would save more money going with the higher deductible. The illustration below shows a better example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $98
Average monthly premium for $500 deductibles (subtract): - $84
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

Comparison of full coverage and liability-only policies

The example below illustrates the comparison of Mitsubishi Outlander auto insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no tickets, no at-fault accidents, $500 deductibles, single female driver, and no policy discounts are applied.

When to drop full coverage

There isn't a steadfast formula to stop buying full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's say your Mitsubishi Outlander book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying the physical damage deductible. If it's costing you more than $200 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Get cheaper Mitsubishi Outlander insurance in Columbia with discounts

Some insurers don't always advertise every available discount in a way that's easy to find, so we break down both the well known and also the more inconspicuous credits that you can use to lower your rates.Cheaper car insurance with discounts

Don't be shocked that many deductions do not apply to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it's just not the way it works.

Popular car insurance companies and a summarized list of policyholder discounts are shown below.

If you need inexpensive Columbia car insurance quotes, ask every company which discounts you qualify for. A few discounts may not apply to policyholders in your state. To see insurance companies that offer the discounts shown above in South Carolina, follow this link.

Why You Might Pay Lower Rates in Columbia

The best way to find cheaper insurance is to take a look at some of the things that help calculate the level of your policy premiums. When you understand what determines premiums, this empowers consumers to make smart changes that may reward you with cheaper rates. Lots of things are used when quoting car insurance. Some of the criteria are obvious such as traffic violations, but other factors are not quite as obvious such as your credit history or how financially stable you are.

Auto insurance quotes from local Columbia insurance agencies

A small number of people still prefer to get advice from a local agent and we recommend doing that One of the benefits of comparing insurance prices online is the fact that you can find cheap auto insurance quotes but also keep your business local. And providing support for local agents is especially important in Columbia.

To help locate an agent, after submitting this short form, your insurance data gets sent to local insurance agents that provide free Columbia car insurance quotes for your auto insurance coverage. There is no reason to search for an agent because quoted prices will be sent immediately to you. You can find lower rates without having to waste a lot of time. If you want to get a comparison quote for a specific company, you would need to search and find their rate quote page and complete a quote there.

Listed below are agents in Columbia who can help you get comparison quotes for Mitsubishi Outlander insurance in Columbia.


1320 Elmwood Ave - Columbia, SC 29201 - (803) 779-7854 - View Map


111 Sparkleberry Crossing Rd #10 - Columbia, SC 29229 - (803) 788-9188 - View Map


607 Meeting St - West Columbia, SC 29169 - (803) 387-0712 - View Map


1617 Broad River Rd - Columbia, SC 29210 - (803) 772-6688 - View Map

More Columbia agents

Finding a good provider requires more thought than just the bottom line cost. Any good agent in Columbia should know the answers to these questions.

Cheaper car insurance rates are possible

We just presented many ideas to shop for Mitsubishi Outlander insurance online. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

Cheap Mitsubishi Outlander insurance in Columbia can be found both online and also from your neighborhood Columbia agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not provide price quotes online and usually these smaller providers only sell through independent insurance agents.

When you buy Columbia car insurance online, make sure you don't skimp on critical coverages to save a buck or two. In many instances, drivers have reduced collision coverage and learned later that they should have had better coverage. Your goal is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

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