Are you sick of overpaying and want low-cost Mitsubishi Endeavor insurance in Houston? Wish you could get a refund on overpriced Mitsubishi Endeavor insurance in Houston? Don’t feel bad because there are many Houston consumers feeling the pinch from expensive auto insurance.
It’s amazing but the vast majority of consumers have stayed with the same insurance company for at least four years, and 38% of customers have never even shopped around for affordable coverage. Drivers in the United States can save about $859 each year just by shopping around, but most tend to underestimate how much money they would save if they moved their coverage to a different company.
You have multiple auto insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, lots of choices makes it harder to adequately compare rates for Mitsubishi Endeavor insurance in Houston.
Consumers need to shop coverage around on a regular basis since insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best quotes on Mitsubishi Endeavor insurance in Houston a year ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because we’re going to show you the best methods to find lower rates on auto insurance.
Verify you’re applying every discount
Companies don’t always publicize every discount they offer very clearly, so here is a list both well-publicized as well as the least known credits that may apply to you.
- Good Grades Discount – Excelling in school may save as much as 25% on a Houston car insurance quote. The discount lasts up until you turn 25.
- Houston Homeowners Discount – Just being a homeowner can save a few bucks since home ownership demonstrates responsibility.
- Anti-lock Brakes – Cars and trucks with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
- No Claim Discounts – Good drivers with no accidents pay less when compared to accident-prone drivers.
- Discounts for Safe Drivers – Insureds who avoid accidents can pay as much as 50% less than their less cautious counterparts.
- Federal Government Employee – Simply working for the federal government can save as much as 8% but check with your company.
- Military Discounts – Being on active duty in the military may qualify for rate reductions.
We need to note that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, it’s just not the way it works.
Some of the insurance companies that may offer policyholders these discounts include:
If you want low cost Houston car insurance quotes, ask each company which discounts can lower your rates. All car insurance discounts might not apply in Houston. To see a list of companies that offer discounts in Houston, click here.
How to get cheap Mitsubishi Endeavor insurance in Houston
All major auto insurance companies such as State Farm and Allstate allow you to get price estimates on their websites. Getting online rates for Mitsubishi Endeavor insurance in Houston is possible for anyone as you just enter your required coverages on the page. Once entered, the quote system will order your driving and credit reports and quotes a price. Using the web to get rates for Mitsubishi Endeavor insurance in Houston simplifies rate comparisons, and it’s necessary to have as many quotes as possible if you want to get a better rate.
To save time and find out how much you’re overpaying now, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you duplicate the coverages just like they are on your policy. Doing this guarantees you will have an apples-to-apples comparison using the same coverage and limits.
The companies in the list below have been selected to offer price comparisons in Houston, TX. If more than one company is shown, it’s a good idea that you click on several of them to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $272 | $400 | $500 | $30 | $150 | $1,352 | $113 |
| Endeavor LS AWD | $254 | $486 | $400 | $24 | $120 | $1,284 | $107 |
| Endeavor SE 2WD | $282 | $580 | $430 | $26 | $128 | $1,446 | $121 |
| Endeavor SE AWD | $232 | $392 | $430 | $26 | $128 | $1,208 | $101 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Information does not factor in Houston location which can raise or lower rates significantly.
Auto insurance rates are higher with tickets and accidents
The information below shows how speeding tickets and at-fault claims can affect Mitsubishi Endeavor insurance prices for each age group. The information is based on a single male driver, comp and collision included, $100 deductibles, and no discounts are factored in.
Gender-based auto insurance rates by age in Houston
The chart below compares Mitsubishi Endeavor car insurance costs for male and female drivers. The rate quotes are based on no accidents, no driving violations, full coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
Full coverage or liability only
The diagram below illustrates the comparison of Mitsubishi Endeavor premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims or violations, $100 deductibles, married female driver, and no discounts are applied to the premium.
Deciding between full coverage and liability only
There is no specific rule of when to stop paying for physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s pretend your Mitsubishi Endeavor claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying your deductible. If premiums are more than $600 a year to have full coverage, then you may need to consider dropping full coverage.
There are some scenarios where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
What if I want to buy from local Houston insurance agents?
Some consumers just prefer to sit down with an agent and doing that can be a smart decision A good thing about comparing rate quotes online is that you can obtain the lowest rates and still buy from a local agent. And supporting neighborhood agents is definitely important in Houston.
By using this form (opens in new window), the quote information is emailed to insurance agents in Houston who can give free rate quotes for your coverage. It makes it easy because there is no need to leave your house as quotes are delivered immediately to you. You can find the lowest rates and a licensed agent to talk to. If you wish to get a price quote from a specific company, you would need to go to their quote page and fill out the quote form the provide.
Houston auto insurance agents are either independent or exclusive
If you need to find a reputable insurance agent or broker, there are two types of agencies and how they differ in how they quote coverages. Agents can either be independent agents or exclusive agents depending on their employer.
Independent Insurance Agents (or Brokers)
Independent agencies do not have single company limitations so they can quote policies with lots of companies and find the cheapest insurance rates. To transfer your coverage to a different company, an independent agent can move your coverage and you can keep the same agent.
If you need lower rates, you will definitely want to get rate quotes from at least one independent agent to have the best price comparison.
The following is a short list of independent insurance agents in Houston who can help you get free insurance quotes.
Hotchkiss Insurance Agency
13430 Northwest Fwy #600 – Houston, TX 77040 – (713) 956-9800 – View Map
TDECU INSURANCE AGENCY, LLC
1235 N Loop W Fwy #1100 – Houston, TX 77008 – (979) 238-8283 – View Map
Texas Insurance Agency
719 Shotwell St – Houston, TX 77026 – (713) 675-2626 – View Map
Exclusive Insurance Agencies
These type of agents normally can only provide a single company’s rates and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to give you multiple price quotes so keep that in mind. They are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
Listed below is a list of exclusive insurance agencies in Houston that are able to give comparison quotes.
Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map
State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map
Lucrecia Jasminoy – State Farm Insurance Agent
223 Cavalcade St – Houston, TX 77009 – (713) 884-1442 – View Map
Choosing the best insurance agency should depend on more than just a cheap price quote. Any good agent in Houston should know the answers to these questions.
- What are the financial ratings for the companies they represent?
- Will one accident increase rates?
- What are their preferred companies if they are an independent agency?
- If your car is in the repair shop, do you have coverage for a rental car?
- How many years have they been established?
After getting positive feedback to these questions as well as an affordable premium quote, you may have just found an insurance agency that is reputable and can provide insurance coverage.
Insurance coverage basics
Learning about specific coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like funeral costs, X-ray expenses, chiropractic care and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Liability insurance
Liability coverage will cover damages or injuries you inflict on other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 30/60/25 which stand for $30,000 in coverage for each person’s injuries, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for claims like pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.
Comprehensive coverage
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like damage from flooding, falling objects, a broken windshield and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision protection
Collision insurance will pay to fix damage to your Endeavor resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like colliding with a tree, sustaining damage from a pot hole, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible on your Endeavor to bring the cost down.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Mitsubishi Endeavor.
Due to the fact that many Texas drivers have only the minimum liability required by law (30/60/25 in Texas), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy’s liability coverage.
What is YOUR best insurance company?
We just showed you a lot of techniques to get a better price on Mitsubishi Endeavor insurance in Houston. The key thing to remember is the more companies you get car insurance rates for, the higher the chance of saving money. You may even discover the lowest priced insurance comes from an unexpected company. Regional companies may only write in your state and offer lower car insurance rates compared to the large companies like Allstate and Progressive.
While you’re price shopping online, you should never sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability coverage limits and learned later that the savings was not a smart move. Your goal is to buy enough coverage at the best possible price, not the least amount of coverage.
Cheaper insurance in Houston can be found from both online companies in addition to many Houston insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not have rate quotes online and usually these small insurance companies only sell through independent insurance agents.
Even more information is available in these articles:
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- What Car Insurance is Cheapest for Good Students in Houston? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Ford Explorer in Houston? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Low Mileage Drivers in Houston? (FAQ)
- How Much are Auto Insurance Quotes for Veterans in Houston? (FAQ)
- Who Has Affordable Auto Insurance for a Honda Accord in Houston? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Collision Insurance Coverage (Nationwide)