Do you want to stop overpaying and find the cheapest Mitsubishi Endeavor insurance in Los Angeles? When searching for lower-priced insurance, do you get overwhelmed by the wide range of car insurance sources available to you? Many other people are as well. California drivers have so many options that it can really be hard work to find the best premium rates for Mitsubishi Endeavor insurance in Los Angeles. Lots of people think Los Angeles is an awesome place to live, but expensive car insurance premiums can make it nearly impossible for many drivers to affordably insure vehicles.
Unimaginable but true, the vast majority of consumers renewed their policy with the same company for well over three years, and about 40% of consumers have never shopped around. With the average car insurance premium being $1,847, U.S. drivers could save roughly 46.5% every year just by comparing rates, but they don’t know the large savings they would see if they replace their high priced policy.
The intent of this article is to introduce you to the best ways to compare prices. If you have auto insurance now, you will definitely be able to lower your rates using the following tips. Although California car owners do need to understand the way insurance companies price insurance differently and apply this information to your search.
Auto insurance providers offering cheap price quotes in California
The companies shown below have been selected to offer price quotes in Los Angeles, CA. If several companies are displayed, it’s highly recommended you click on several of them in order to find the most competitive rates.
Rate information and statistics
The coverage table shown below highlights detailed analysis of rate quotes for Mitsubishi Endeavor models. Being able to understand how policy premiums are established can assist in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Endeavor LS AWD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Endeavor SE 2WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Endeavor SE AWD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in vehicle garaging location which can raise or lower premium rates noticeably.
An analysis of deductible level
One common question asked by Los Angeles drivers is where to set your physical damage deductibles. The tables below can help you understand the differences in premium rates when you choose different physical damage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Endeavor LS AWD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Endeavor SE 2WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Endeavor SE AWD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Endeavor LS AWD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Endeavor SE 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Endeavor SE AWD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Get Your Own Customized Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates noticeably.
Based on the above data, using a $100 deductible would cost the average driver about $43 more each month or $516 for a full year across all Mitsubishi Endeavor models than buying 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 at least 21 months between claims, you would probably be better off if you choose the higher deductible. The table below shows a better example of how you can come to your own conclusion.
| Average monthly premium for $100 deductibles: | $142 |
| Average monthly premium for $1,000 deductibles (subtract): | – $99 |
| Monthly savings from raising deductible: | $43 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $43 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
Rate difference between full and liability-only coverage
The illustration below shows the comparison of Mitsubishi Endeavor insurance premiums with liability coverage only compared to full coverage. The premium estimates are based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are factored in.
Should you buy full coverage or liability only?
There is no exact formula of when to phase out comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s say your Mitsubishi Endeavor replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying the physical damage deductible. If you are currently paying more than $800 annually for physical damage coverage, then it might be time to buy liability only.
There are a few cases where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Discounts for cheaper insurance quotes
Companies offering auto insurance don’t always publicize their entire list of discounts very well, so we took the time to find some of the more common and the harder-to-find credits that you can use to lower your rates.
- Sign Online – A handful of insurance companies will give a small break for buying a policy and signing up on the web.
- Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you could save up to 20% off your total Endeavor insurance premium.
- ABS Braking Discount – Cars with ABS and/or traction control have fewer accidents and the ABS can save up to 10%.
- Telematics Discount – Los Angeles drivers who agree to allow driving data collection to scrutinize their driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they show good driving skills.
- Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can avoid monthly service charges.
- Waiver for an Accident – Not a discount per se, but a handful of insurance companies may permit one accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
Policy discounts save money, but most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.
The chart below shows the comparison of Mitsubishi Endeavor annual premium costs with and without discounts. The data is based on a female driver, no violations or claims, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, safe-driver, multi-policy, and claim-free discounts applied.
Some of the larger companies that may offer most of these discounts include:
When comparing rates, check with all companies you are considering how many discounts you can get. Depending on the company, some discounts may not apply to policies in your state.
Insurance agents can help
When selecting insurance from an agent or online, there isn’t really a best way to insure your cars. Everyone’s situation is unique so this has to be addressed. For instance, these questions might point out whether your personal situation might need an agent’s assistance.
- I don’t drive much so do I pay less?
- Do I need more liability coverage?
- Why is insurance for a teen driver so high in Los Angeles?
- Do I need special coverage while pulling a rented trailer?
- Do I get a pro-rated refund if I cancel my policy early?
- When should I have rental car coverage?
- Can good grades get a discount?
- Do I need motorclub coverage?
If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.
Local Los Angeles insurance agencies
Many drivers prefer to buy from a local agent and that can be a great decision A nice benefit of comparing insurance prices online is that you can find the best rates and still have a local agent. And buying from local agencies is important particularly in Los Angeles.
By using this quick form, your insurance data is instantly submitted to local insurance agents in Los Angeles who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents due to the fact that quote results will go instantly to you. You can find lower rates and work with a local agent. If you need to compare prices from a specific insurance company, you just need to navigate to their website and give them your coverage information.
If you need to find a local agent, you need to know there are two different agency structures and how they are slightly different. Agents in Los Angeles are considered either independent (non-exclusive) or exclusive.
Independent Insurance Agents
Agents in the independent channel do not write with just one company so they have the ability to put coverage with a variety of different insurance companies and find you cheaper rates. To move your coverage to a new company, they simply move the coverage in-house which requires no work on your part.
When comparing insurance rates, you should always get quotes from multiple independent agents in order to have the best price comparison. They often place coverage with small mutual carriers that may provide cheaper insurance rates.
Shown below is a partial list of independent agents in Los Angeles who may be able to give you free insurance rate quotes.
- Anthony Elliot Insurance Agency, Inc.
3349 Cahuenga Blvd W #2 – Los Angeles, CA 90068 – (323) 876-1980 – View Map - Nationwide Insurance: Caiquo Insurance Agency
5757 W Century Blvd #700 – Los Angeles, CA 90045 – (310) 348-9936 – View Map - Public Insurance Agency
10941 W Pico Blvd – Los Angeles, CA 90064 – (310) 234-8600 – View Map
Exclusive Agents
Agents that choose to be exclusive can only place business with one company like Farmers Insurance and State Farm. Exclusive agencies are unable to compare other company’s rates so you might not find the best rates. Exclusive agencies are trained well on sales techniques and that can be a competitive advantage. Some insured continue to buy from exclusive agents mainly due to the prominence of the brand rather than low price.
Listed below is a list of exclusive agencies in Los Angeles that are able to give price quotes.
- Hillary Heyl – State Farm Insurance Agent
1990 Westwood Blvd #100 – Los Angeles, CA 90025 – (310) 234-9600 – View Map - Stephan Buckley – State Farm Insurance Agent
4340 Leimert Blvd #201 – Los Angeles, CA 90008 – (323) 298-9022 – View Map - Charles Garrett Jr – State Farm Insurance Agent
4929 Wilshire Blvd #745 – Los Angeles, CA 90010 – (323) 692-0090 – View Map
Choosing an insurance agent needs to be determined by more than just a cheap price quote. Before buying a policy in Los Angeles, get answers to these questions.
- Is insurance their full-time profession?
- How experienced are they in personal risk management?
- How often do they review coverages?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Did they already check your driving record and credit reports?
- Will you get a loaner vehicle if you car is being repaired?
Final considerations
Cheap Mitsubishi Endeavor insurance in Los Angeles can be found from both online companies in addition to many Los Angeles insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not have the ability to get quotes online and these small insurance companies provide coverage only through independent agencies.
As you quote Los Angeles car insurance, it’s very important that you do not reduce needed coverages to save money. There have been many situations where someone sacrificed physical damage coverage and discovered at claim time that the savings was not a smart move. The aim is to get the best coverage possible at a price you can afford while still protecting your assets.
In this article, we presented many ways to reduce Mitsubishi Endeavor insurance auto insurance rates online in Los Angeles. It’s most important to understand that the more times you quote, the higher your chance of finding low cost Los Angeles car insurance quotes. You may even find the lowest priced car insurance comes from a small local company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.
Much more information about car insurance in California is located at the links below
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- How Much is Auto Insurance for Hybrid Vehicles in Los Angeles? (FAQ)
- Who Has Cheap Los Angeles Auto Insurance Quotes for Postal Workers? (FAQ)
- What Car Insurance is Cheapest for a Nissan Altima in Los Angeles? (FAQ)
- Who Has Cheap Los Angeles Car Insurance Rates for a Toyota RAV4? (FAQ)
- Who Has Affordable Auto Insurance for a Chevrolet Silverado in Los Angeles? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- State Laws for Cellphones and Texting (iihs.org)