Save Money on Mitsubishi Endeavor Insurance in Colorado Springs

Insurance rates Mitsubishi Endeavor in Colorado SpringsThe easiest way to get low-cost car insurance rates in Colorado Springs is to begin comparing prices regularly from different companies in Colorado.

Step 1: Take a few minutes and learn about the coverage provided by your policy and the modifications you can make to prevent high rates. Many rating factors that cause rate increases such as speeding and a not-so-good credit rating can be eliminated by making minor driving habit or lifestyle changes.

Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agents can provide price quotes from multiple companies.

Step 3: Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.

A good tip to remember is to try to compare identical coverage information on every quote and and to get prices from as many car insurance companies as possible. This provides the most accurate price comparison and the best rate selection.

It’s shocking but most auto insurance buyers have stayed with the same insurance company for over three years, and approximately 40% of consumers have never compared rates from other carriers. Many drivers in Colorado Springs could save about 35% a year just by comparing rates, but they just don’t understand the actual amount they would save if they swap their current policy for a cheaper one.

Shopping for affordable protection in Colorado Springs is easy to do. Virtually each driver who carries insurance will most likely get a lower-priced policy. Although Colorado consumers must know how big insurance companies determine how much to charge and apply this information to your search.

Car insurance providers offering competitive prices in Colorado

The companies in the list below have been selected to offer price quotes in Colorado. In order to find cheap car insurance in Colorado, it’s highly recommended you visit several of them to get the best price comparison.

Mitsubishi Endeavor insurance analysis

The rate table displayed below covers detailed analysis of insurance premium costs for Mitsubishi Endeavor models. Having a good grasp of how auto insurance premiums are determined can help guide drivers when making decisions when shopping your coverage around.

Mitsubishi Endeavor Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Endeavor LS 2WD $144 $296 $396 $24 $118 $978 $82
Endeavor LS AWD $144 $296 $396 $24 $118 $978 $82
Endeavor SE 2WD $144 $296 $396 $24 $118 $978 $82
Endeavor SE AWD $162 $296 $396 $24 $118 $996 $83
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium amounts do not factor in specific location information which can impact price quotes significantly.

Deductible analysis

One of the hardest decisions when shopping for auto insurance is how high should the physical damage deductibles be. The comparison tables below summarize how much more you’ll pay of buying low and high comp and collision deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Mitsubishi Endeavor insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Endeavor LS 2WD $272 $458 $352 $20 $106 $1,233 $103
Endeavor LS AWD $272 $458 $352 $20 $106 $1,233 $103
Endeavor SE 2WD $272 $458 $352 $20 $106 $1,233 $103
Endeavor SE AWD $306 $458 $352 $20 $106 $1,267 $106
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Mitsubishi Endeavor insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Endeavor LS 2WD $220 $368 $352 $20 $106 $1,066 $89
Endeavor LS AWD $220 $368 $352 $20 $106 $1,066 $89
Endeavor SE 2WD $220 $368 $352 $20 $106 $1,066 $89
Endeavor SE AWD $250 $368 $352 $20 $106 $1,096 $91
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in zip code location which can change rates substantially.

Based on these figures, using a $250 deductible costs approximately $14 more each month or $168 for a full year than choosing the higher $500 deductible. Since you would pay $250 more to file 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 most likely save money if you choose the higher deductible.

The chart below illustrates how your choice of deductibles and can increase or decrease Mitsubishi Endeavor insurance costs for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Male drivers versus female drivers

The illustration below visualizes the comparison of Mitsubishi Endeavor car insurance costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Difference between full coverage and liability only rates

The illustration below visualizes the comparison of Mitsubishi Endeavor yearly insurance costs when comparing full coverage to liability only. The data is based on no violations or accidents, $100 deductibles, single marital status, and no discounts are applied to the premium.

When to drop full coverage

There is no set guideline of when to stop paying for comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s assume your Mitsubishi Endeavor replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after the deductible is paid. If you are paying over $700 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some cases where only buying liability is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Quote Mitsubishi Endeavor Insurance Cheaper

Lots of factors are taken into consideration when you get a price on insurance. Some factors are common sense like a motor vehicle report, although some other factors are not quite as obvious like your vehicle usage or your commute time. Consumers need to have an understanding of some of the things that are used to determine your car insurance rates. When you know what positively or negatively determines premiums, this allows you to make good choices that can earn you cheaper rates.

More traffic equals higher prices – Residing in smaller towns and rural areas of the country is a positive aspect when trying to find low car insurance rates. Urban drivers regularly have more road rage incidents and more severe claims. Fewer drivers and short commutes translates into fewer accident claims in addition to lower liability claims.

Credit score impacts premiums – An insured’s credit history can be an important factor in determining what you pay. Drivers with very good credit scores tend to file fewer claims and have better driving records than drivers who have lower ratings. If your credit can use some improvement, you could pay less to insure your Mitsubishi Endeavor if you clean up your credit.

Optional features can affect car insurance rates – Buying a car that has a built-in theft deterrent system can help lower your rates. Systems that thwart thieves such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your car from being stolen.

Single drivers take more risk – Your spouse helps lower the price compared to being single. Having a significant other translates into being more responsible and it’s statistically proven that married drivers get in fewer accidents.

Cheaper rates with discounts

Some insurance providers do not advertise the entire discount list in an easy-to-find place, so we break down some of the best known and also the lesser-known credits available to lower your premiums when you buy Colorado Springs car insurance online.Discount auto insurance

You can save money using discounts, but most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will reduce the premium cost.

The diagram below compares Mitsubishi Endeavor insurance costs with and without discounts applied. Data assumes a male driver, no accidents, no driving violations, Colorado state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, claim-free, marriage, and homeowner discounts applied.

If you would like to view insurance companies who offer auto insurance discounts in Colorado, click this link.

Independent or exclusive insurance agencies

Many people still like to buy from a licensed agent and that can be a smart move A good thing about getting online price quotes is you may find cheaper auto insurance rates and still have a local agent. And providing support for neighborhood insurance agencies is especially important in Colorado Springs.

Insurance agency in Colorado SpringsAfter filling out this quick form, the coverage information is emailed to insurance agents in Colorado Springs who want to provide quotes and help you find cheaper coverage. You won’t even need to leave your house because quoted prices will be sent to you. You can most likely find cheaper rates and a licensed agent to talk to. In the event you want to quote rates for a specific company, you would need to visit that company’s website and complete a quote there.

Independent or Exclusive: It’s your choice

If you’re trying to find local Colorado Springs agents, there are two different types of agencies and how they can quote your rates. Insurance agencies in Colorado Springs are classified as either exclusive or independent (non-exclusive).

Independent Insurance Agents

Agents of this type are not required to write business for one company so they can write business with a variety of different insurance companies depending on which coverage is best. If they find a lower price, your agent can just switch to a different company and you don’t have to switch agencies.

When comparing rate quotes, you need to get quotes from a couple of independent agencies to have the most options to choose from.

Below is a list of independent insurance agents in Colorado Springs who can help you get free price quotes.

2525 W Pikes Peak Ave # CColorado Springs, CO 80904(719) 635-9720View Map

6455 N Union Blvd #104Colorado Springs, CO 80918(303) 974-7676View Map

1863 N Circle DrColorado Springs, CO 80909(719) 667-1301View Map

More Colorado Springs agents

Exclusive Insurance Agencies

These type of agents write business for a single company such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. They are trained well on their company’s products which helps offset the inability to provide other markets.

Listed below are exclusive agencies in Colorado Springs that are able to give price quotes.

5615 Constitution AveColorado Springs, CO 80915(719) 597-5000View Map

1923 W Colorado AveColorado Springs, CO 80904(719) 578-1111View Map

Ross Silva Agency – American Family Insurance
2746 E Bijou StColorado Springs, CO 80909(719) 597-2800View Map

More Colorado Springs agents

Picking the best insurance agent is decision based upon more than just a low price. Ask your prospective agent these questions:

If you receive good answers to any questions you have and a low price estimate, you may have found an auto insurance agent that will service your policy. Just keep in mind you have the power to cancel a policy whenever you wish so don’t feel that you are obligated to any particular company for the full policy term.

What is the best auto insurance company in Colorado Springs?

Finding a highly-rated car insurance provider is hard considering how many companies provide coverage in Colorado Springs. The company information in the next section may help you select which coverage providers to look at when shopping your coverage around.

Best Auto Insurance Companies in Colorado Springs
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Shop around and save

Some insurance providers may not have internet price quotes and most of the time these smaller companies work with local independent agents. The cheapest Mitsubishi Endeavor insurance in Colorado Springs can be sourced from both online companies in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture.

When getting Colorado Springs car insurance quotes online, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, someone dropped collision coverage only to regret at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

Much more information about insurance in Colorado is located below: