View 1996 Mitsubishi 3000GT Insurance Quotes

Think you have an overpriced car insurance policy? It’s quite common and you’re not alone.

Insurance companies such as State Farm, Allstate, Geico and Progressive persitently shower you with ad campaigns and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Car insurance policy discounts

Car insurance is not cheap, but you may qualify for discounts that can drop the cost substantially. A few discounts will be applied at the time of purchase, but occassionally some discounts must be requested specifically before being credited.

• Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you can actually save on your bill.
• Accident Free – Drivers with accident-free driving histories can earn big discounts when compared to insureds who have frequent claims or accidents.
• Paper-free Discount – Certain larger companies will give a small break for signing up on their website.
• Telematics Data – Insureds who allow driving data collection to track driving patterns by using a telematic data system like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
• Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote insurance coverage on 3000GT insurance with select insurance companies.
• Discounts for Multiple Vehicles – Buying coverage for more than one vehicle on a single policy qualifies for this discount.
• Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Professional Memberships – Participating in certain professional organizations is a good way to get lower rates when shopping for car insurance.
• Bundled Policy Discount – If you insure your home and vehicles and place coverage with the same company you could get a discount of over 10 percent off each policy depending on the company.
• Savings for New Vehicles – Putting coverage on a new car can get you a discount because newer models are generally safer.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think you can get free auto insurance, nobody gets a free ride.

A few of the larger companies and a partial list of their discounts include:

• American Family discounts include TimeAway discount, air bags, multi-vehicle, accident-free, good student, and bundled insurance.
• Nationwide has savings for anti-theft, good student, Farm Bureau membership, business or organization, and family plan.
• MetLife offers discounts including claim-free, good driver, multi-policy, accident-free, and good student.
• 21st Century may have discounts that include student driver, 55 and older, anti-lock brakes, teen driver, automatic seat belts, air bags, and defensive driver.
• Farmers Insurance policyholders can earn discounts including switch companies, homeowner, mature driver, teen driver, distant student, youthful driver, and multi-car.
• Allstate may include discounts for senior citizen, eSmart discount, good payer, anti-theft, 55 and retired, and multi-policy.

When comparing rates, check with every company the best way to save money. Discounts may not be offered in your area.

Buy auto insurance online

There are a lot of ways you can shop for auto insurance and some are easier and takes less work. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can utilize the web to get the quickest rates.

Most of the best insurance companies participate in an industry program where prospective buyers complete one form, and each company can provide price quotes determined by their information. This system prevents you from having to do quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The single downside to pricing coverage this way is you can’t choose which companies you want pricing from. So if you want to select from a list of companies to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

Whichever way you use, try to keep the exact same coverage limits on every price quote you get. If you use mixed coverages you will not be able to determine which company has the best rates. Slightly different coverage limits may result in a large different in cost. Just keep in mind that comparing more company’s prices helps you find lower pricing.

The Mitsubishi 3000GT insurance rate equation

Lots of things are considered when quoting car insurance. Most are fairly basic such as your driving record, but some are more transparent like where you live or your financial responsibility.

• Men tend to take more risk – The statistics show that females take fewer risks when driving. Now that doesn’t mean males are worse at driving than females. Women and men have accidents at about the same rate, but men cause more damage and cost insurance companies more money. They also have more aggressive citations such as DWI and reckless driving.
• Age of drivers – Inexperience drivers have been known to be less responsible behind the wheel and because of this, their car insurance rates are much higher. Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
• Advanced alarms and GPS tracking – Choosing to buy a car with advanced anti-theft systems can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your car from being stolen.
• Your stress level may be raising your prices – Did you know your occupation can influence how much you pay for car insurance? Careers such as real estate brokersair traffic controllers and miners usually pay higher average rates due to high stress levels and incredibly demanding work hours. Other careers such as professors, historians and the unemployed have the lowest average rates on 3000GT insurance.
• Save money by eliminating extra coverages – There are a lot of additional coverages that may not really be needed on your car insurance policy. Coverage for things like rental car coverage, death and dismemberment, and additional equipment coverage are examples of these. They may seem good when buying your policy, but if you have no use for them remove them and pocket the money.
• Get cheaper prices if you’re married – Having a spouse may save some money when shopping for car insurance. Having a significant other generally demonstrates drivers are more mature and statistics show married drivers tend to file fewer claims.
• Don’t get traffic citations – A bad driving record influences premium rates substantially. Drivers who don’t get tickets tend to pay less for car insurance as compared to those with violations. Only having one chargable violation can bump up the cost to the point where it’s not affordable. Drivers with dangerous violations such as reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.

How do I know if I need professional advice?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that These are some specific questions can help discover if your situation might need professional guidance.

• Does insurance cover damages from a DUI accident?
• Should I file a claim if it’s only slightly more than my deductible?
• How many claims can I have before being cancelled?
• Do I have coverage when using my vehicle for my home business?
• Do I pay less for low miles?
• Do I need PIP (personal injury protection) coverage in my state?
• When should I drop full coverage on my 1996 Mitsubishi 3000GT?
• Is upholstery damage covered by car insurance?
• Will I lose any money if I cancel my policy before it expires?
• What vehicles should carry emergency assistance coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Auto insurance coverage information

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Liability car insurance – This protects you from damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, structural damage, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Mitsubishi 3000GT.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for immediate expenses like ambulance fees, chiropractic care and surgery. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This coverage will pay to fix damage to your 3000GT caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird, damage from a tornado or hurricane and vandalism. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Online plus local equals savings

We just presented some good ideas how you can get a better price on 1996 Mitsubishi 3000GT insurance. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the biggest savings come from an unexpected company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

When getting insurance coverage quotes online, do not buy less coverage just to save a little money. In many cases, someone dropped comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The goal is to get the best coverage possible at the lowest possible cost.

Cheap 1996 Mitsubishi 3000GT insurance can be found online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not offer internet price quotes and these small insurance companies only sell coverage through local independent agents.

More resources

• Things to Know Before you Cancel Insurance (Allstate)
• Understanding your Policy (NAIC.org)
• Coverage Information (Progressive Insurance)
• Driving in Bad Weather (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Auto Insurance 101 (About.com)