View 2009 Mitsubishi Galant Car Insurance Quotes

Are you a victim of an underperforming, overpriced car insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Drivers have so many insurers to choose from, and even though it’s nice to be able to choose, it makes it harder to compare rates and find the lowest cost car insurance.

It’s a good habit to get comparison quotes on a regular basis due to the fact that insurance rates change frequently. If you had the lowest rates for Galant coverage a few years ago other companies may now be cheaper. So just forget anything you know (or think you know) about car insurance because I’m going to teach you one of the easiest ways to find better rates and still maintain coverage.

Buying car insurance is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. But car owners must comprehend the way insurance companies price online insurance because it can help you find the best coverage.

The easiest way to compare car insurance company rates utilizes the fact all the major auto insurance companies have advanced systems to compare rate quotes. The only thing you need to do is provide a little information including whether the vehicles are used for commuting, whether you are single or married, if you have an active license, and if a SR-22 is needed. Those rating factors is instantly submitted to multiple companies and you get price estimates with very little delay.

Take discounts and save

Auto insurance companies do not advertise all available discounts in a way that’s easy to find, so here is a list some of the more common and the more hidden savings tricks you should be using.

  • Drive Less and Save – Fewer annual miles on your Mitsubishi can earn discounted rates on garaged vehicles.
  • Good Student – This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
  • E-sign – Certain companies will give a small break for buying a policy and signing up on their website.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Galant coverage than drivers with accident claims.
  • Discount for New Cars – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Clubs and Organizations – Affiliation with a qualifying organization could trigger savings when shopping for insurance for Galant coverage.

A little note about advertised discounts, most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of providers offering insurance discounts, click here.

Why your Mitsubishi Galant might be costing you more

It’s important that you understand the rating factors that play a part in calculating your insurance coverage rates. Knowing what determines base rates empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

Shown below are a partial list of the pieces used by your company to calculate rates.

  • Younger drivers pay higher rates – Young drivers are statistically proven to be careless and easily distracted behind the wheel so insurance coverage rates are higher. If you’ve ever had to add a teen driver onto a policy can be very expensive. Older drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel.
  • Pay less after the wedding – Getting married helps lower the price on your insurance coverage policy. It usually means you are more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Don’t let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, getting caught without coverage may earn you a revoked license or a big fine.
  • Choose a safe vehicle and save – Cars with high safety ratings tend to have better insurance rates. Safe vehicles result in less severe injuries and better occupant protection means lower claim amounts and lower rates for you. If your Mitsubishi Galant scored better than four stars on you may qualify for a discount.
  • Extra coverages can waste money – There are a lot of extra bells and whistles you can purchase when buying insurance coverage. Coverages like roadside assistance, better glass coverage and motor club memberships may be costing you every month. They may seem good at first, but if you don’t need them get rid of them and save.
  • High numbers of claims are not good – If you are a frequent claim filer, you can expect higher rates. Insurance companies give lower rates to people who file claims infrequently. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Liability coverage protects you – The liability section of your policy is the protection if ever you are found to be at fault for personal injury or accident damage. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Do you know your deductibles? – Deductibles for physical damage represent how much money you are required to spend before your insurance coverage pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance for Galant coverage.

Which policy gives me the best coverage?

When buying the right insurance coverage, there is no “best” method to buy coverage. Every situation is different and your policy should reflect that. For instance, these questions can help discover if your situation might need an agent’s assistance.

  • Am I covered if I wreck a rental car?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Are my friends covered when driving my 2009 Mitsubishi Galant?
  • Is a fancy paint job covered?
  • What if I owe more than I can insure my car for?
  • When should my teen driver be added to my policy?
  • Should I rate my 2009 Mitsubishi Galant as pleasure use or commute?
  • Who is covered by my policy?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverages

Knowing the specifics of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages offered by auto insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like X-ray expenses, pain medications and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Liability coverages

This can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like medical services, funeral expenses, medical expenses, repair costs for stationary objects and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, crashing into a building, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, a broken windshield, hail damage, hitting a deer and falling objects. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2009 Mitsubishi Galant.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

In conclusion

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where drivers have reduced collision coverage only to regret that it was a big mistake. Your focus should be to get the best coverage possible at the best price while still protecting your assets.

Cheap 2009 Mitsubishi Galant insurance can be found on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Additional information