Trying to find low-cost insurance for a new or used Mitsubishi Endeavor in Arizona can normally be an all-consuming task, but you can follow our auto insurance buying tips to make it easier. There is a right way and a wrong way to compare auto insurance rates and you need to know the quickest way to compare rates for your Mitsubishi and locate the cheapest rates.
It’s an obvious conclusion that auto insurance companies don’t want you comparing rates. Insureds who shop around once a year are likely to move their business because there is a high probability of finding better rates. A recent auto insurance study discovered that drivers who faithfully checked for cheaper rates saved as much as $865 a year compared to policyholders who never shopped around.
If finding the cheapest price on auto insurance in Mesa is the reason you’re reading this, knowing how to get rate quotes and compare auto insurance can save time, money, and frustration.
You should make it a habit to price shop coverage before your policy renews because prices are adjusted regularly by insurance companies. Just because you found the best rates on Mitsubishi Endeavor insurance in Mesa on your last policy you may be paying too much now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the only way to find the best coverage while lowering your premiums.
The following companies have been selected to offer free rate quotes in Arizona. If you want cheap car insurance in AZ, it’s a good idea that you click on several of them in order to find the most affordable rates.
Insurance rate breakdown
The rate table displayed next outlines different rate quotes for Mitsubishi Endeavor models. Learning as much as possible about how insurance policy premiums are figured is important for you to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Endeavor LS AWD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Endeavor SE 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Endeavor SE AWD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific location information which can impact coverage rates considerably.
Raise deductibles and save
One of the most common car insurance questions is which deductible level should you buy. The data tables below outline the premium difference when you choose different physical damage deductibles. The first set of rates uses a $100 deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Endeavor LS AWD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Endeavor SE 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Endeavor SE AWD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Endeavor LS AWD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Endeavor SE 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Endeavor SE AWD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in specific Mesa garaging location which can impact price quotes considerably.
Based on this data, using a $100 deductible will cost you roughly $30 more each month or $360 annually than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 30 months between claim filings, you would save money by going with a higher deductible.
How to calculate deductible break even point
| Average monthly premium for $100 deductibles: | $97 |
| Average monthly premium for $1,000 deductibles (subtract): | – $67 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
The example below demonstrates how choosing different deductibles and can influence Mitsubishi Endeavor insurance premiums for different ages of insureds. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Car insurance premiums based on gender
The diagram below compares Mitsubishi Endeavor car insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are applied.
Best reasons to buy insurance in Arizona
Despite the high cost, insuring your vehicle is mandatory in Arizona but it also protects more than you think.
- Just about all states have mandatory insurance requirements which means the state requires specific limits of liability protection in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, more than likely the lender will require you to buy insurance to guarantee loan repayment. If you do not keep the policy in force, the lender will be forced to insure your Mitsubishi at a more expensive rate and force you to pay the higher price.
- Insurance protects not only your vehicle but also your assets. It will also cover all forms of medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of buying insurance definitely exceed the cost, especially when you need to use it. As of last year, the average driver in Arizona is currently overpaying as much as $800 each year so it’s recommended you shop around every year to save money.
Smart Buyers Save Every Year
Lots of things are used in the calculation when you get your auto insurance bill. Some factors are common sense like an MVR report, but some are more transparent like where you live or your financial responsibility. It’s important that you understand some of the things that help calculate the price you pay for car insurance. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that will entitle you to big savings.
The items below are just a few of the factors used by companies to determine premiums.
Can a thief steal your car? – Selecting a car model that has a built-in theft deterrent system can save you some money. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your car from being stolen.
Buy a safe car and pay less – Vehicles with good safety scores can get you lower premiums. Safe vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims which can result in lower premiums. If your Mitsubishi Endeavor has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
Your liability coverage limits – The liability section of your policy provides coverage when you are found to be at fault for physical damage or personal injury to other. This coverage provides legal defense coverage to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so drivers should carry high limits.
Higher coverage deductibles reduce costs – Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your Mitsubishi. Examples of covered claims are a windshield shattered by a rock, collision with an animal, and burglary. Comprehensive and collision coverage deductibles represent how much money you are required to pay if a covered claim is submitted. The more expense you’re willing to pay, the lower your rates will be.
Drive a fast car and pay more – The type of vehicle you drive makes a substantial difference in how high your rates are. The lowest base rates are generally reserved for the lowest performance passenger models, but your final cost has many other factors.
The chart below assumes a married male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Mitsubishi Endeavor insurance rates compared to other models that have different performances.
Do you qualify for a multi-policy discount? – Some insurance companies allow discounts to customers who buy several policies from them such as combining an auto and homeowners policy. Even if you’re getting this discount it’s always a smart idea to compare Mitsubishi Endeavor rates in Mesa to help guarantee you have the best rates.
Credit score impacts prices – Having a good credit history factor in determining what you pay. People with excellent credit tend to be more responsible and file fewer claims than drivers with poor credit scores. Therefore, if your credit is not that good, you could pay less to insure your Mitsubishi Endeavor by improving your credit score.
If you don’t need it don’t buy it – There are a ton of additional coverages that you can buy if you don’t pay attention. Insurance for personal injury protection, death and dismemberment, and additional equipment coverage could be just wasting money. You may think they are a good idea when you first buy your policy, but now you might not need them so remove them from your policy.
Persistence pays off
As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There are too many instances where an insured cut uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.
In this article, we presented a lot of tips how to reduce Mitsubishi Endeavor insurance prices online in Mesa. The key thing to remember is the more you quote Mesa car insurance, the better likelihood of getting low cost Mesa car insurance quotes. Drivers may even discover the lowest priced car insurance comes from an unexpected company.
Lower-priced Mitsubishi Endeavor insurance in Mesa can be sourced both online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some car insurance companies do not provide online price quotes and usually these regional insurance providers work with local independent agencies.
Steps to saving money on Mitsubishi Endeavor insurance in Mesa
If you want to save money, the best way to get discount auto insurance rates in Mesa is to begin comparing prices regularly from companies who sell auto insurance in Arizona. Rate comparisons can be done by following these steps.
Step 1: Take a few minutes and learn about how insurance companies determine prices and the factors you can control to keep rates down. Many rating criteria that cause rate increases such as traffic citations and poor credit rating can be eliminated by improving your driving habits or financial responsibility.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like Progressive or Allstate, while independent agents can provide prices for a wide range of insurance providers.
Step 3: Compare the new rates to your existing policy and see if there is a cheaper rate. If you find a lower rate quote, make sure coverage does not lapse between policies.
Step 4: Tell your current agent or company of your intention to cancel your current coverage and submit a down payment and signed policy application for your new policy. Don’t forget to place the new proof of insurance paperwork somewhere easily accessible.
One key aspect when comparing rates is that you’ll want to make sure you compare the same coverage limits and deductibles on each price quote and and to get rate quotes from as many different companies as possible. This enables an accurate price comparison and plenty of rates choose from.
Additional resources
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance Rates for Drivers with Good Credit in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Under 25 in Mesa? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)