It’s an obvious statement that car insurance companies want to keep you from comparing rates. Consumers who shop around for cheaper prices will presumably buy a different policy because there is a good probability of finding discount prices. A survey found that consumers who compared price quotes annually saved as much as $865 annually compared to other drivers who didn’t regularly shop around.
If finding discount rates on insurance in Lincoln is the reason you’re reading this, knowing how to shop for insurance premiums can make it easier to find better rates.
It takes a little time, but the best way to get the cheapest car insurance rates in Lincoln is to compare prices once a year from insurers who can sell car insurance in Nebraska.
Step 1: Spend a few minutes and learn about the coverage provided by your policy and the changes you can make to prevent expensive coverage. Many rating criteria that result in higher rates like at-fault accidents, speeding tickets, and a less-than-favorable credit history can be remedied by making minor changes to your lifestyle.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from many different companies.
Step 3: Compare the price quotes to your existing coverage to see if a cheaper price is available in Lincoln. If you find better rates, make sure coverage is continuous and does not lapse.
Step 4: Tell your current company to cancel your current coverage. Submit the completed application along with a down payment to your new company or agent. Make sure you place the new proof of insurance certificate above your visor, in the console, or in the glove compartment.
One key aspect when comparing rates is to try to use identical deductibles and limits on each quote request and and to get rates from as many carriers as you can. Doing this enables an apples-to-apples comparison and a complete price analysis.
Best Mitsubishi Outlander insurance price quotes in Nebraska
The companies shown below have been selected to offer price comparisons in Nebraska. If you want to find cheap car insurance in Nebraska, it’s highly recommended you visit as many as you can to get the most competitive price.
Rates and detailed analysis
The rate information below highlights detailed analysis of prices for Mitsubishi Outlander models. Having a good grasp of how insurance policy rates are formulated can be of help when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlander ES 2WD | $210 | $388 | $344 | $20 | $102 | $1,064 | $89 |
| Outlander SE 4WD | $210 | $388 | $344 | $20 | $102 | $1,064 | $89 |
| Outlander SE 4WD | $210 | $388 | $344 | $20 | $102 | $1,064 | $89 |
| Outlander SE 2WD | $210 | $388 | $344 | $20 | $102 | $1,064 | $89 |
| Outlander SE 2WD | $210 | $388 | $344 | $20 | $102 | $1,064 | $89 |
| Outlander ES 4WD | $210 | $388 | $344 | $20 | $102 | $1,064 | $89 |
| Outlander XLS 2WD | $236 | $456 | $344 | $20 | $102 | $1,158 | $97 |
| Outlander XLS 4WD | $236 | $456 | $344 | $20 | $102 | $1,158 | $97 |
| Outlander GT-S AWC 4WD | $236 | $456 | $344 | $20 | $102 | $1,158 | $97 |
| Outlander GT-S AWC 4WD | $236 | $456 | $344 | $20 | $102 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle location which can lower or raise price quotes significantly.
Liability only or full coverage
The chart below shows the comparison of Mitsubishi Outlander insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no accidents, no driving violations, $100 deductibles, single marital status, and no policy discounts are applied.
Should you be buying full coverage?
There is no specific rule for phasing out physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Mitsubishi Outlander replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after the deductible is paid. If you are paying more than $800 annually for your policy with full coverage, then it might be time to buy liability only.
There are some conditions where eliminating full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Learn How to Lower Your Insurance Rates
Lots of factors are used when quoting car insurance. A few of the factors are predictable such as your driving history, but some are not quite as obvious such as whether you are married and annual miles driven. Smart consumers have a good feel for the different types of things that go into determining your policy premiums. If you have a feel for what impacts premium levels, this allows you to make good choices that can help you get lower insurance prices.
Premiums are lower the older you get – Inexperience drivers are proven to get distracted easily when at the wheel of a vehicle so insurance rates are higher. Older drivers are viewed as being more responsible, file fewer claims, and receive fewer citations.
The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Married drivers pay less – Having a wife or husband may save some money when shopping for insurance. Having a spouse means you’re more mature and it’s statistically proven that being married results in fewer claims.
Do you qualify for a multi-policy discount? – Many insurance companies provide a discount for people who buy several policies from them. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to comparison shop to help guarantee you have the best rates. You may still be able to save even more than the discount by buying from different companies
The type of car makes a difference – The performance level of the car you are insuring makes a substantial difference in determining your rates. Economy passenger cars usually are quite affordable to insure, but that’s not the only thing that factors into the final price.
The next chart uses these assumptions: single male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It shows Mitsubishi Outlander car insurance rates compared to other models that have a range of performance risks.
Insurance losses for a Mitsubishi Outlander – Companies factor in historical loss data in order to profitably underwrite each model. Vehicles that the data determines to have a higher amount or frequency of claims will have higher premium rates.
The information below illustrates the insurance loss data used by companies for Mitsubishi Outlander vehicles. For each coverage type, the statistical loss for all vehicles, as a total average, equals 100. Percentage values below 100 indicate better than average losses, while percentage values above 100 indicate more frequent claims or a tendency for losses to be larger than average.
| Vehicle Make and 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 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
These discounts can slash Mitsubishi Outlander insurance rates
Insurance is neither fun to buy or cheap, but you may be missing some discounts to help offset the cost. A few discounts will be applied when you complete an application, but less common discounts must be asked for before you will receive the discount.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.
- Membership in Organizations – Being a member of qualifying clubs or civic groups is a good way to get lower rates when shopping for insurance.
- Defensive Driver Discount – Participating in a defensive driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
- Good Grades Discount – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
- New Vehicle Savings – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
It’s important to understand that most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, you aren’t that lucky.
The information below shows the comparison of Mitsubishi Outlander auto insurance costs with and without policy discounts. Data assumes a female driver, no violations or accidents, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, multi-policy, and safe-driver discounts applied.
A list of companies and their offered discounts are detailed below.
- Progressive has discounts for multi-vehicle, online signing, online quote discount, good student, continuous coverage, homeowner, and multi-policy.
- AAA offers discounts including good student, AAA membership discount, good driver, pay-in-full, and anti-theft.
- Farmers Insurance may include discounts for business and professional, electronic funds transfer, multi-car, switch companies, homeowner, mature driver, and good student.
- GEICO has savings for seat belt use, driver training, anti-lock brakes, good student, multi-policy, daytime running lights, and federal employee.
- Esurance may have discounts that include safety device, emergency road assistance, good student, Switch & Save, multi-car, Pac-12 alumni, and anti-lock brakes.
- SAFECO policyholders can earn discounts including drive less, homeowner, multi-car, teen safe driver, safe driver, and teen safety rewards.
- State Farm may offer discounts for passive restraint, multiple policy, accident-free, driver’s education, and good driver.
If you need the cheapest Mitsubishi Outlander rate quotes, ask every company which discounts can lower your rates. Some discounts listed above might not be offered in Lincoln. To see a list of insurers that have a full spectrum of discounts in Nebraska, click this link.
Auto insurance is available from local agents
Many drivers prefer to sit down and talk to an agent and that is just fine! The biggest benefit of comparing rate quotes online is the fact that drivers can get the lowest rates and also buy local.
To find an agent, once you fill out this short form, the quote information gets sent to local insurance agents who will gladly provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home because prices are sent directly to you. Get lower rates AND an agent nearby. If for some reason you want to compare prices from a specific auto insurance provider, feel free to navigate to their website and fill out the quote form the provide.
Picking the best insurance company requires more thought than just a cheap quote. The following questions are important to ask.
- Do they see any coverage gaps in your plan?
- Are they primarily personal or commercial lines agents in Lincoln?
- Are there any extra charges for paying monthly?
- Is the agent and/or agency licensed to do business in Nebraska?
- Does their agency support local causes in Lincoln?
- How long has the business existed?
- What kind of financial rating does the company have?
Compare rates from both independent and exclusive auto insurance agents
If you are searching for a good Lincoln insurance agent, you must know there are a couple different types of agents and how they operate. Agencies in Lincoln may be either independent agents or exclusive agents.
Exclusive Auto Insurance Agents
Exclusive insurance agents work for only one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. These agents are very knowledgeable on their company’s products which helps them compete with independent agents. Consumers sometimes buy insurance from these agents mainly due to loyalty to the company rather than low rates.
Below are Lincoln exclusive agents who can help you get comparison quotes.
- American Family Insurance – Ben Bolte Agency Inc
5815 S 58th St Ste A – Lincoln, NE 68516 – (402) 441-4222 – View Map - Allstate Insurance: Mitchell Happ
6100 S 58th St e – Lincoln, NE 68516 – (402) 420-5590 – View Map - Sarah Kohlhof – State Farm Insurance Agent
1221 N Cotner Blvd #2 – Lincoln, NE 68505 – (402) 466-8245 – View Map
Independent Agents
Agents that choose to be independent do not write with just one company and that allows them to write policies amongst many companies and find you cheaper rates. If your agent finds better pricing, your agent can switch companies and you don’t have to switch agencies.
When comparison shopping, you will definitely want to include at a minimum one independent agency so that you have a good selection of quotes to compare. They often place coverage with mutual insurance companies that many times have cheaper rates.
Below are independent insurance agents in Lincoln that are able to give price quotes.
- Stuchlik and Associates Insurance
130 Cherry Hill Blvd – Lincoln, NE 68510 – (402) 489-8990 – View Map - Jeff Munns Agency, Inc.
1617 Normandy Ct #102 – Lincoln, NE 68512 – (402) 436-2140 – View Map - UNICO Group
1128 Lincoln Mall #200 – Lincoln, NE 68508 – (402) 434-7200 – View Map
Lincoln auto insurance companies ranked
Picking the highest-rated insurance provider is difficult considering how many companies there are in Lincoln. The company information below could help you pick which providers you want to consider comparing price quotes from.
Top 10 Lincoln Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
A little work can save a LOT of money
We just showed you a lot of ways to get a better price on Mitsubishi Outlander insurance in Lincoln. It’s most important to understand that the more you quote Lincoln car insurance, the better your comparison will be. Consumers could even find that the lowest prices come from the smaller companies.
When searching for low cost Lincoln car insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.
Drivers switch companies for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, an unsatisfactory settlement offer and policy cancellation. Regardless of your reason for switching companies, finding a great new company is less work than it seems.
Much more information about auto insurance in Nebraska can be read at the links below
- How to Avoid Common Accidents (State Farm)
- What Auto Insurance is Cheapest for Teachers in Lincoln? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Kia Optima in Lincoln? (FAQ)
- Who Has Cheap Lincoln Auto Insurance Rates for a Learners Permit? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Older Drivers FAQ (iihs.org)
- Collision Coverage (Liberty Mutual)
- Red Light Cameras (State Farm)