1996 Mitsubishi Galant Car Insurance Rates – 7 Ideas for Best Quotes

Are you regretting buying an overpriced auto insurance policy? Don’t sweat it because many drivers have buyer’s remorse.

Numerous auto insurance companies battle to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the absolute cheapest price

You should make it a habit to price shop coverage occasionally because prices are constantly changing. If you had the best rates on Galant coverage at your last renewal you can probably find a lower rate today. Forget all the misinformation about auto insurance because we’re going to show you the easiest way to properly buy coverages and cut your premium.

How much does car insurance cost?

To find the best car insurance rates, there are several ways of comparing rates from many available car insurance companies in your state. The best method to find the cheapest Mitsubishi Galant insurance rates consists of shopping online. This can be accomplished using a couple different methods.

1. Without a doubt, the easiest way to get quotes would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do separate quotation requests to each individual car insurance company. One simple form gets you price quotes from several companies.
2. A slightly less efficient method to analyze rates requires visiting the website for every company you want to comare to request a price quote. For sake of this example, let’s assume you want to view quotes from Auto-Owners, Safeco and Progressive. You would have to visit each site and enter your policy data, and that’s why the first method is more popular.

   For a list of links to insurance companies in your area, click here.

3. The least efficient way to quote and compare insurance rates is actually driving to all the different insurance agencies. Doing it all online reduces the need to sit down with an agent unless you want the professional guidance that you can only get from talking to an agent. You can, however, find lower rates online but buy the policy through an agent.

It’s up to you which method you use, but make absolute certain that you use identical coverage data on every quote. If your comparisons have different coverage information you can’t possibly find the best deal for your Mitsubishi Galant. Quoting even small variations in coverages can result in a big premium difference. And when quoting car insurance, remember that making a lot of price comparisons provides better odds of finding better pricing.

The largest companies are not always cheapest

Insurance coverage providers like State Farm, Allstate and Geico consistently run television, radio, and online ads. All the ads state the claim that drivers will save a bundle if you switch your coverage. That’s great but how can every company sell you cheaper insurance coverage? It’s all in the words they use.

All the different companies quote the lowest rates for the type of driver that is profitable for them. For instance, a profitable customer might have to be a mature driver, carries high limits, and drives less than 7,500 miles a year. A customer getting a price quote who matches that profile will get low car insurance rates and have a good chance to pay quite a bit less when switching companies.

Drivers who fall short of this stringent profile will probably be forced to pay a higher rate which leads to the customer buying from a different company. If you pay attention, the ads say “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can advertise the savings. Different companies use different criteria so it is so important to quote coverage with many companies. Because without a comparison, you cannot know which insurance coverage company will have the lowest rates.

Insurance discounts are available to cut your rates

Companies offering auto insurance don’t always publicize every discount they offer in an easy-to-find place, so below is a list both the well known in addition to some of the lesser obvious credits that may apply to you.

• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and can earn a small discount on your policy.
• Bundle and Save – If you insure your home and vehicles and place coverage with the same company you could save approximately 10% to 15%.
• Professional Memberships – Being in specific professional or occupational memberships or organizations could earn you a nice discount on insurance.
• Pay Now and Pay Less – By paying your policy upfront rather than spreading payments over time you could save 5% or more.
• Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Galant coverage compared to rates paid by drivers with frequent claims.
• Smart Student Discounts – Excelling in school can save 20 to 25%. Most companies allow this discount until age 25.
• Braking Control Discount – Cars with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.

You should keep in mind that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Larger insurance companies and some of their more popular discounts are detailed below.

• Geico offers premium reductions for daytime running lights, air bags, membership and employees, anti-lock brakes, and good student.
• MetLife policyholders can earn discounts including defensive driver, good student, multi-policy, good driver, claim-free, accident-free
• State Farm has savings for Steer Clear safe driver discount, accident-free, student away at school, multiple policy, passive restraint, safe vehicle, and good student.
• Progressive may include discounts for multi-policy, online quote discount, homeowner, continuous coverage, multi-vehicle, and good student.
• Mercury Insurance offers discounts for low natural disaster claims, multi-policy, anti-theft, good driver, age of vehicle, type of vehicle, and location of vehicle.
• 21st Century discounts include theft prevention, good student, automatic seat belts, student driver, 55 and older, and driver training.
• Allstate offers discounts including good payer, premier discount, auto/life discount, teenSMART discount, senior citizen, and good student.

Double check with each insurance company which discounts you qualify for. Some discounts listed above may not apply to policies in your area. To choose insurance companies with discount insurance rates, click here to view.

Everyone needs different auto insurance coverages

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions can aid in determining if you would benefit from professional advice.

• Do I need replacement cost coverage?
• Should I have combined single limit or split liability limits?
• When can my company non-renew my policy?
• Should I sign the liability waiver when renting a car?
• Are rock chip repairs covered?
• Should I buy only the required minimum liability coverage?
• Can I afford low physical damage deductibles?
• What if I don’t agree with a claim settlement offer?
• How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Parts of your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on most car insurance policies.

Liability coverages

Liability coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, loss of income, legal defense fees, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, damage from getting keyed and hail damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like ambulance fees, pain medications, hospital visits and EMT expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mitsubishi Galant.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Find Good Coverage for Less

When getting insurance quotes online, do not skimp on coverage in order to save money. Too many times, drivers have reduced physical damage coverage only to regret they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at the best price while still protecting your assets.

We just showed you many ways to compare 1996 Mitsubishi Galant insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. Consumers may even find the lowest premium rates come from a lesser-known regional company. They may have significantly lower prices on certain market segments than their larger competitors like Geico and State Farm.

More affordable insurance is possible both online and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don’t offer internet price quotes and many times these smaller companies provide coverage only through independent agents.

For more information, feel free to browse these articles:

• Learn About Car Insurance (Geico)
• What is Gap Insurance? (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)