Save on 1997 Mitsubishi Galant Car Insurance Quotes

Want better auto insurance rates for your Mitsubishi Galant? Trying to find better insurance prices for your Mitsubishi Galant can normally be difficult, but you can use the following methods to save time. There is a better way to buy auto insurance and you need to know the proper way to get price quotes on a Mitsubishi and find the lowest possible price from local insurance agents and online providers.

Why your Mitsubishi Galant insurance rates may be high

It’s important that you understand the different types of things that go into determining insurance coverage rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Pay less after the wedding – Being married can actually save you money on your policy. Having a spouse means you’re more responsible it has been statistically shown that drivers who are married are more cautious.
  • Add-on coverages can add up – There are many extra bells and whistles you can purchase on your 1997 Galant policy. Insurance for rental car reimbursement, better glass coverage and term life insurance may be wasting your money. They may seem good when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Drive less and save money – The more you drive each year the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your insurance coverage policy is rated on the correct driver usage, because it can save money. If your policy improperly rates your Galant can result in significantly higher rates.
  • Your age impacts your rates – Teen drivers are known to be more careless in a vehicle so insurance coverage rates are higher. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Poor driving leads to higher costs – Drivers who don’t get tickets get better rates than bad drivers. Only having one moving violation can bump up the cost twenty percent or more. If you have serious violations like DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • How many coverages with the same company – Some insurers will give a discount to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even if you’re getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. Drivers may still find a better deal by insuring with multiple companies.

Lots of discounts mean lots of savings

Companies don’t necessarily list all available discounts in a way that’s easy to find, so we researched both the well known as well as the least known savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.

  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance.
  • Safety Course Discount – Taking part in a course in driver safety can save you 5% or more if you qualify.
  • Own a Home – Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Drivers Education – Require your teen driver to enroll in driver’s education in high school.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

To see a list of companies with the best auto insurance discounts, follow this link.

Are you falling for claims of savings?

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like State Farm, Allstate and Geico. All the ads make an identical promise that you’ll save big if you change to them.

How does each company make almost identical claims? It’s all in the numbers.

Insurance companies can use profiling for the type of customer that is profitable for them. For instance, a preferred risk could possibly be between 30 and 50, a clean driving record, and has a short commute. Any driver that hits that “sweet spot” will get very good rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t meet the requirements will be charged a more expensive rate and ends up with business not being written. The ads say “drivers who switch” not “everyone that quotes” save money. This is how companies can state the savings. That is why you need to get quotes from several different companies. It’s not possible to predict which company will provide you with the cheapest Mitsubishi Galant insurance rates.

Situations that might require an agent

When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if your insurance needs might need professional guidance.

  • If I drive on a suspended license am I covered?
  • If my 1997 Mitsubishi Galant is totaled, can I afford another vehicle?
  • How do I insure my teen driver?
  • Does my policy cover my teen driver if they drive my company car?
  • What discounts do I qualify for?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if I drive in a foreign country?
  • What happens if I owe more than my 1997 Mitsubishi Galant is worth?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a Mitsubishi Galant

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills such as surgery, hospital visits, chiropractic care and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, a broken windshield, rock chips in glass, hail damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance can cover damage that occurs to people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things like attorney fees, repair bills for other people’s vehicles, medical services and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

A penny earned…

People leave their current company for any number of reasons including an unsatisfactory settlement offer, delays in paying claims, questionable increases in premium or denial of a claim. No matter why you want to switch, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut full coverage only to regret they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford.

Cheaper 1997 Mitsubishi Galant insurance is possible both online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

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