Compare 1994 Mitsubishi Galant Insurance Quotes

Looking for better auto insurance rates for your Mitsubishi Galant? Expensive Mitsubishi Galant insurance can deplete your family’s budget and put a big crunch on your finances.

Lots of auto insurance companies contend for your hard-earned dollar, so it can be very hard to choose a provider to find the lowest cost out there.

If you currently have car insurance, you stand a good chance to be able to save some money using this information. Finding affordable coverage is quite easy. Nevertheless, car owners need to learn how companies market on the web and apply this information to your search.

You can change your insurance premiums

Lots of things are used in the calculation when premium rates are determined. Some are obvious such as traffic violations, although some other factors are not as apparent like your vehicle usage or your vehicle rating.Part of the car insurance buying process is learning some of the factors that play a part in calculating car insurance rates. If you know what controls the rates you pay, this enables you to make decisions that can earn you lower car insurance prices.

The factors shown below are some of the items used by companies to determine your rate level.

• Does car insurance cost more for males? – Statistics have proven females are less aggressive when driving. However, this does not mean women are BETTER drivers than men. Females and males are responsible for auto accidents at a similar rate, but the male of the species tend to have higher claims. In addition to higher claims, males also receive more major tickets like DUI and reckless driving.
• Bad drivers pay high rates – A bad driving record has a huge affect on how much you pay. Even one citation can increase rates forty percent or more. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who get serious violations like DUI or willful reckless driving may find that they have to to maintain a SR-22 with their state motor vehicle department in order to continue driving.
• Having a spouse can save on car insurance – Having a spouse helps lower the price compared to being single. It is viewed as being more mature it has been statistically shown that being married results in fewer claims.
• Liability coverage is critical – The liability coverage on your policy will provide protection if ever a court rules you are at fault for damages from an accident. It will provide you with a defense in court up to the limits shown on your policy. Liability insurance is pretty cheap compared to comp and collision, so do not skimp.

Shop car insurance online

Comparing car insurance rates can be a daunting task if you don’t utilize the fastest way to get free quotes. You could waste a few hours driving to local insurance agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many of the larger companies belong to an insurance system where insurance shoppers only type in their quote data once, and every company provides a quote for coverage. This saves time by eliminating repetitive form submissions to each company.

To get comparison pricing now click here to start a free quote.

The one disadvantage to comparing rates this way is you are unable to specify the companies to receive prices from. If you would rather choose from a list of companies for rate comparison, we have a listing of companies who write car insurance in your area. Click to view list.

Compare rates however you want, just be sure to compare equivalent coverages for each quote you get. If your comparisons have different deductibles you will not be able to truly determine the lowest rate. Having just a slight variation in insurance coverages or limits can result in a big premium difference. And when quoting car insurance, remember that comparing all the rates in your area gives you a better chance of getting the best price.

Don’t miss these money-saving discounts

Car insurance companies don’t necessarily list all possible discounts in a way that’s easy to find, so the list below contains both the well known as well as the least known savings tricks you should be using when you buy auto insurance online.

• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 15% off PIP or medical payments premium.
• Good Students Pay Less – Maintaining excellent grades may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up to age 25.
• Low Mileage Discounts – Maintaining low annual mileage can earn better auto insurancerates on cars that stay parked.
• Clubs and Organizations – Being a member of certain professional organizations may earn a discount on your next renewal.

It’s important to note that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will bring down the premium cost.

To find companies offering auto insurance discounts, follow this link.

Do I need special coverages?

When buying proper insurance coverage, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.

• Is my teen driver covered when they drive my company car?
• When should I drop full coverage on my 1994 Mitsubishi Galant?
• Am I covered by my spouse’s policy after a separation?
• Do I need rental car coverage?
• How much can I save by bundling my policies?
• Do I get a pro-rated refund if I cancel my policy early?
• Does my insurance cover my expensive audio equipment?
• Can I afford to buy a different vehicle if my 1994 Mitsubishi Galant is totaled?
• Will my rates increase for filing one claim?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Detailed coverages of your auto insurance policy

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by auto insurance companies.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, damage from flooding and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision insurance covers damage to your Galant resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability insurance

This will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles, court costs and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Mitsubishi Galant.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses such as surgery, rehabilitation expenses, hospital visits and doctor visits. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Be a smart shopper

Some insurance providers do not offer online price quotes and usually these small insurance companies prefer to sell through independent agents. Affordable 1994 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 rate selection.

When you buy auto insurance online, never reduce needed coverages to save money. In many instances, an insured dropped full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage for the lowest price while still protecting your assets.

Additional articles

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Winter Driving (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)