Compare 1995 Mitsubishi Galant Car Insurance Quotes

Trying to find lower car insurance rates for your Mitsubishi Galant? Confused by the dozens of car insurance companies? Lot’s of other consumers are too. People have so many options available that it can easily become a big hassle to find better rates.

Buying affordable protection is quite easy. In a nutshell, anyone who carries insurance will most likely be able to cut their insurance bill. Although drivers must learn the methods companies use to compete online because it can help you find the best coverage.

Low Cost Auto Insurance

There are several ways to compare rate quotes from local auto insurance companies. One of the best ways to find the cheapest 1995 Mitsubishi Galant insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  1. Probably the best way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating separate quotation requests for each company you want a rate for. A single form gets you coverage quotes from all major companies. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to analyze rates requires a visit to each company website and request a quote. For examples sake, we’ll pretend you want to compare rates from Allstate, Esurance and Farmers. You would have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient way of getting rate comparisons is to waste gas driving to local insurance agencies. The internet has reduced the need for local agents unless you want the professional guidance of a licensed agent. You can, however, compare the best prices online but buy from a local insurance agent.

Which method you use is up to you, but make darn sure you compare the exact same coverage limits and deductibles for each price quote. If you enter different values for each quote you will not be able to determine which rate is truly the best. Quoting even small variations in coverage limits may result in a large different in cost. And when price shopping your coverage, quoting more will improve the odds of getting a lower rate.

Discounts are available to cut your rates

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Certain discounts will be applied when you quote, but some must be manually applied prior to receiving the credit.

  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Memberships – Participating in a professional or civic organization is a good way to get lower rates when shopping for insurance for Galant insurance.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.

Keep in mind that most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates you could get a free insurance policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

Check with all companies you are considering which discounts they offer. All car insurance discounts may not apply in your area.

Everyone needs different coverages

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if you would benefit from an agent’s advice.

  • Can my babysitter drive my car?
  • Am I covered when pulling a rental trailer?
  • How much liability insurance is required?
  • At what point should I drop full coverage?
  • If I drive on a suspended license am I covered?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is the difference between comprehensive and collision coverage?
  • Do I need replacement cost coverage?
  • Is a blown tire covered by insurance?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Pieces of the Mitsubishi Galant insurance rate puzzle

Consumers need to have an understanding of the different types of things that help determine your auto insurance rates. Understanding what determines base rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • Your location is important – Residing in less populated areas can be a good thing when talking about auto insurance. Fewer drivers means fewer accidents. City drivers have much more traffic to deal with and longer commutes to work. More time commuting means higher likelihood of an accident.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a fast way to bump up your auto insurance costs. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Your spouse saves you money – Having a spouse can actually save you money on your auto insurance policy. Marriage means you’re more responsible and statistics show drivers who are married are more cautious.
  • Don’t get talked into coverage you don’t need – There are quite a few additional coverages that you can buy on your auto insurance policy. Coverages like roadside assistance, towing coverage and additional equipment coverage may be wasting your money. They may seem good initially, but now you might not need them so get rid of them and save.
  • Where do you drive? – The more you drive each year the higher your rates will be. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use get more affordable rates compared to those used for work or business. An improperly rated Galant can result in significantly higher rates. Double check that your auto insurance policy shows the correct driver usage.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores get lower rates. Safe vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Mitsubishi earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Protect your assets with liability insurance – The liability section of your policy will protect you if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Older drivers pay less – Young drivers tend to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, file fewer claims and get fewer tickets.

Car insurance coverage information

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability – This provides protection from injuries or damage you cause to a person or their property. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical services, attorney fees and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Comprehensive car insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, fire damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mitsubishi Galant.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverages – This will pay to fix damage to your Galant caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for expenses for things like X-ray expenses, doctor visits, prosthetic devices and chiropractic care. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

At the end of the day…

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. Too many times, an insured cut liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

In this article, we presented some good ideas how you can reduce 1995 Mitsubishi Galant insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from a small local company.

The cheapest insurance can be found from both online companies as well as from independent agents, and you need to price shop both to have the best selection. Some insurance providers don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

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