Do you need a fast way to compare low-cost Mitsubishi Endeavor insurance in San Francisco? Locating low-cost insurance for your Mitsubishi Endeavor in California can turn out to be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to buy auto insurance so you’re going to learn the best way to compare rates for a Mitsubishi and find the lowest price.
Finding the cheapest insurance coverage in San Francisco is really not that difficult. If you have coverage now or are looking for a new policy, you can use this information to reduce the price you pay without having to cut coverage. Comparison shoppers just need to learn the proper way to shop for insurance from multiple carriers.
The most recommended method to compare insurance rates from multiple companies is to understand most of the bigger providers participate in a system to provide you with free rate quotes. The only thing you need to do is give the companies some data such as whether you are married, whether your vehicle is owned or leased, how much school you completed, and what you do for a living. Your details is submitted instantly to all major companies and you should receive rate quotes almost instantly.
To get price quotes for your car now, click here and see if a lower rate is available in San Francisco.
The companies shown below can provide free quotes in California. If several companies are displayed, we recommend you click on several of them in order to get a fair rate comparison.
Insurance is not optional
Despite the high cost of buying insurance for a Mitsubishi Endeavor in San Francisco, paying for insurance may be required for several reasons.
- Most states have mandatory liability insurance requirements which means you are required to buy specific limits of liability coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Mitsubishi Endeavor, almost every bank will make it a condition of the loan that you have insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Mitsubishi at a more expensive rate and require you to fork over the higher price.
- Insurance protects both your vehicle and your personal assets. It will also pay for medical bills for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your policy will pay to have it repaired.
The benefits of insuring your car definitely exceed the price paid, particularly when you have a large claim. But the average driver in California is wasting up to $869 every year so it’s important to compare rates every year to make sure the price is not too high.
Rate information and statistics
The price information shown below highlights detailed analysis of insurance rates for Mitsubishi Endeavor models. Having a good grasp of how car insurance premiums are established can benefit drivers when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $182 | $354 | $464 | $28 | $138 | $1,166 | $97 |
| Endeavor LS AWD | $182 | $354 | $464 | $28 | $138 | $1,166 | $97 |
| Endeavor SE 2WD | $182 | $354 | $464 | $28 | $138 | $1,166 | $97 |
| Endeavor SE AWD | $204 | $354 | $464 | $28 | $138 | $1,188 | $99 |
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in San Francisco location which can influence coverage rates noticeably.
Should you raise deductibles?
One of the hardest decisions when shopping for car insurance is how high or low should comp and collision deductibles be. The tables below may help you to understand the differences in price of buying low and high coverage deductibles. The first pricing table uses a $100 deductible and the second rate 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 |
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| 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 Custom Quote Go | |||||||
Table 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, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in your specific San Francisco location which can raise or lower insurance rates substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $43 more each month or $516 every year than opting for the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 21 months between claim filings, you would save money if you decide on a higher deductible. The table below shows a better example of how you can do this calculation yourself.
| 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 |
One big caveat is that raising deductibles to get cheaper rates means you will have to pay more if you have a claim. You need some savings in the event you have to pay the deductible for vehicle repair.
How careless driving impacts San Francisco car insurance rates
The diagram below illustrates how traffic citations and at-fault accidents can influence Mitsubishi Endeavor insurance prices for different ages of insureds. The data assumes a single female driver, comp and collision included, $250 deductibles, and no discounts are applied.
Mitsubishi Endeavor liability-only versus full coverage
The chart below illustrates the difference between Mitsubishi Endeavor auto insurance costs with full coverage compared to only the California minimum liability coverage. The rates are based on no violations or accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
When to drop comprehensive and collision
There is no exact rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance 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 Endeavor claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $2,000 after the deductible is paid. If you are paying more than $200 annually to have full coverage, then you may want to consider only buying liability coverage.
There are some cases where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Discount San Francisco car insurance rates
Car insurance can cost a lot, but you may qualify for discounts that can dramatically reduce your bill. Most are applied at the time of purchase, but lesser-known reductions have to be asked about in order for you to get them.
- ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes are safer to drive so companies give up to a 10% discount.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles help deter theft and qualify for as much as a 10% discount.
- Low Miles Discount – Low annual miles may allow you to get lower premium rates on the low mileage vehicles.
- Accident Waiver – Not necessarily a discount, but certain companies will allow you to have one accident without raising rates if you have no claims for a certain period of time.
- Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
We need to note that most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.
The example below shows the difference between Mitsubishi Endeavor insurance rates with and without discounts applied to the policy rates. The information is based on a female driver, no violations or claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, claim-free, multi-policy, and homeowner discounts applied.
Popular car insurance companies and a partial list of their discounts are shown below.
- Progressive may have discounts that include homeowner, continuous coverage, online signing, multi-vehicle, and multi-policy.
- The Hartford has savings for vehicle fuel type, defensive driver, bundle, air bag, and driver training.
- Mercury Insurance includes discounts for annual mileage, age of vehicle, anti-theft, multi-car, good student, type of vehicle, and low natural disaster claims.
- GEICO discounts include seat belt use, good student, five-year accident-free, anti-theft, multi-vehicle, daytime running lights, and membership and employees.
- AAA has discounts for good driver, multi-policy, multi-car, good student, and education and occupation.
- State Farm offers premium reductions for Drive Safe & Save, defensive driving training, driver’s education, accident-free, good driver, anti-theft, and passive restraint.
Before purchasing a policy, check with each company how many discounts you can get. Some of the discounts discussed earlier may not be offered in your area. If you would like to view providers offering car insurance discounts in California, click here.
Insurance agent or online?
Some consumers still like to visit with an insurance agent and that is a personal choice. Agents can help you build your policy and help file insurance claims. The best thing about price shopping on the web is that you can find cheap insurance quotes but also keep your business local.
Once you complete this simple form, your information gets sent to participating agents in San Francisco who will give you bids for your insurance coverage. You won’t need to search for an agent because quoted prices will be sent straight to your inbox. If you need to get a rate quote for a specific company, just visit that company’s website to submit a rate quote request.
Selecting an provider requires more thought than just a low price. The answers to these questions are important, too.
- Who are their largest clients?
- Does the agency have a current Errors and Omissions policy?
- Will they make sure you get an adequate claim settlement?
- Does the company use OEM repair parts?
- Are they properly licensed to sell insurance in California?
- Where would glass claims be handled in San Francisco?
- Does the company have a local claim office in San Francisco?
- How long have they been in business?
When researching local San Francisco agents, it can be helpful to understand the different agency structures and how they operate. Agents may be either exclusive or independent agents depending on their company appointments. Either type can insure your vehicles properly, but it’s good to learn the differences because it may have an impact on the selection process.
Exclusive Agents
Exclusive insurance agents are contracted to one company like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so always compare other rates. These agents are highly trained on their company’s products which aids in selling service over price. Some insured continue to use the same exclusive agent mostly because of high brand loyalty and solid financial strength.
Shown below are exclusive insurance agents in San Francisco that are able to give comparison quotes.
- Darlene Chow – State Farm Insurance Agent
206 Spear St – San Francisco, CA 94105 – (415) 441-1119 – View Map - Sandy Lee – State Farm Insurance Agent
188 S Park St #4 – San Francisco, CA 94107 – (415) 227-9833 – View Map - Rich Machado – State Farm Insurance Agent
5108 Geary Blvd – San Francisco, CA 94118 – (415) 292-3380 – View Map
Independent Insurance Agents
These type of agents often have affiliation with several companies so they can quote policies through many companies and find the cheapest rate. To transfer your coverage to a different company, they simply move your policy to a different company without you having to go to a different agency. When comparing insurance prices, you definitely need to include at a minimum one independent agency so that you can do a thorough price comparison. Most also write with less well-known companies which can be an advantage.
Shown below are San Francisco independent insurance agents willing to provide comparison quotes.
- Al Zeidler Insurance Agency
1714 Stockton St #417 – San Francisco, CA 94133 – (415) 753-1936 – View Map - United General Insurance Agency
3150 California St Ste 4A – San Francisco, CA 94115 – (415) 922-7283 – View Map - Steven Cresci Insurance Agency
544 Golden Gate Ave – San Francisco, CA 94102 – (415) 212-8190 – View Map
Situations that may require an agent’s advice
Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that might point out if you might need professional guidance.
- Is my Mitsubishi Endeavor covered for flood damage?
- What is the ISO rating for a Mitsubishi Endeavor?
- Do I need to file an SR-22 for a DUI in California?
- What is the difference between personal and commercial auto insurance policies?
- Am I covered if hit by an uninsured driver?
- Why are teen drivers so expensive to add on to my policy?
- How much coverage applies to personal belongings?
- Do I need higher collision deductibles?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Don’t give up on affordable rates
Some auto insurance companies may not provide online price quotes and usually these smaller companies only sell coverage through independent agencies. The cheapest Mitsubishi Endeavor insurance in San Francisco can be found online and with local San Francisco insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.
As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at the best price while still protecting your assets.
Steps to finding more affordable Mitsubishi Endeavor insurance in San Francisco
It takes a few minutes, but the best way to get low-cost auto insurance rates is to do an annual price comparison from companies in San Francisco.
- Read and learn about auto insurance and the measures you can take to prevent rate increases. Many policy risk factors that cause rate increases like accidents, traffic tickets, and a poor credit rating can be controlled by making minor changes in your lifestyle.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while independent agents can quote rates from multiple companies. Begin your rate comparison
- Compare the new quotes to your current policy to determine if switching companies saves money. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.
An important part of this process is that you’ll want to make sure you compare the same liability limits and deductibles on each price quote and and to analyze every company you can. This provides an accurate price comparison and a thorough selection of prices.
More information can be found on the following sites:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- How Much is Auto Insurance for 17 Year Olds in San Francisco? (FAQ)
- Who Has Cheap San Francisco Auto Insurance Rates for Low Mileage Drivers? (FAQ)
- Who Has the Cheapest San Francisco Car Insurance Rates for a Nissan Sentra? (FAQ)
- Booster Seat Ratings (iihs.org)
- Understanding Car Crashes Video (iihs.org)