1997 Mitsubishi Galant Insurance Cost

Looking for better insurance coverage rates? Shoppers have lots of choices when shopping for the lowest priced Mitsubishi Galant insurance. They can either waste time calling around to compare prices or save time using the internet to make rate comparisons.

There are more efficient ways to find insurance coverage online and we’ll show you the proper way to get price quotes for a new or used Mitsubishi and locate the best price possible from both online companies and local agents.

It’s important to do price comparisons periodically since insurance rates go up and down regularly. Even if you think you had the best premium rates for Galant insurance on your last policy the chances are good that you can find a lower price today. You’ll find a ton of advice on insurance coverage online but you can learn some guaranteed methods to find affordable insurance coverage.

If you have insurance now or are looking for a new policy, you can learn to shop for the lowest rates and possibly find even better coverage. This article will help you learn how to get online quotes and some money-saving tips. Drivers just need to learn the tricks to get comparison rates online.

Compare quotes for car insurance

There are multiple methods to shop for car insurance, but there is one way that is easier and takes less work. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes for quick rates.

Most of the larger companies belong to a marketplace where prospective buyers enter their policy data once, and each participating company can provide price quotes. This saves time by eliminating quote requests to each company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to pricing coverage this way is you don’t know exactly which providers you will receive quotes from. If you prefer to choose specific providers for rate comparison, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you compare apples-to-apples coverage information for each comparison quote. If your comparisons have differing limits it will be impossible to determine the best price for your Mitsubishi Galant.

Do you qualify for discounts?

Some insurers don’t always publicize every discount they offer in a way that’s easy to find, so we took the time to find both well-publicized and also the lesser-known ways to save on auto insurance. If you are not receiving all the discounts available, you’re just leaving money on the table.

• Discount for Low Mileage – Driving less can earn slightly better prices than normal.
• Discounts for Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Galant insurance compared to accident prone drivers.
• Onboard Data Collection – Policyholders that allow their auto insurance company to monitor driving patterns by using a small device installed in their vehicle such as State Farm’s In-Drive might see lower rates if they show good driving skills.
• Seat Belts Save – Drivers who require all vehicle occupants to wear their seat belts can save a little off PIP or medical payments premium.
• Life Insurance – Larger companies have a discounted rate on car insurance if you buy life insurance.
• Driver Training Discounts – Passing a course in safe driver is a good idea and can lower rates and easily pay for the cost of the class.
• Membership in Organizations – Affiliation with certain professional organizations could earn you a nice discount on your next auto insurance statement.
• Military Rewards – Being on active deployment in the military may qualify for rate reductions.
• Discount for Multiple Policies – If you insure your home and vehicles and place coverage with the same company you will save nearly 15% which can help you find low cost insurance coverage.
• Pay Now and Pay Less – By paying your policy upfront rather than spreading payments over time you can actually save on your bill.

Don’t be shocked that some of the credits will not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky.

If you would like to choose from a list of providers that provide some of the discounts listed above, follow this link.

Don’t assume everyone needs the same car insurance coverage

When buying coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions can help discover if your situation would benefit from professional advice.

• Will my insurance pay for OEM parts?
• Do I have coverage when using my vehicle for my home business?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered if hit by an uninsured driver?
• Am I insured when driving a different vehicle?
• I have a DUI can I still get coverage?
• Does coverage extend to my business vehicle?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Seven tips to get more affordable insurance costs

Part of the insurance coverage buying process is learning some of the factors that aid in calculating the price you pay for insurance coverage. If you have a feel for what influences your rates, this allows you to make educated decisions that can earn you lower insurance coverage prices. Many things are used when pricing auto insurance. Some are pretty understandable such as your driving record, but others are not quite as obvious such as your credit history or how financially stable you are.

Shown below are some of the items insurance coverage companies consider when setting your prices.

• Careless drivers pay higher rates – Careful drivers receive lower rates than their less careful counterparts. Having just one speeding ticket may increase your cost substantially. Drivers unfortunate enough to have careless citations like DUI or reckless driving might be required by their state to complete a SR-22 to the state department of motor vehicles in order to keep their license.
• Prices can be impacted by your occupation – Jobs such as lawyerspolice officers and stock brokers generally pay higher premium rates attributed to intense work-related stress and long work days. On the flip side, careers like farmers, engineers and the unemployed have lower than average premiums for Galant insurance.
• More people means more accidents – Residing in small towns and rural areas may provide you with better prices when shopping for auto insurance. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. People who live in big cities tend to have more traffic problems and much longer commute distances. More time on the road means more chances of being involved in an auto accident.
• Less chance of injury means lower premiums – Vehicles that have high safety ratings can get you lower premiums. The safest vehicles help reduce the chance of injuries in an accident and better occupant protection means less claims paid and cheaper rates on your policy. If the Mitsubishi Galant scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• With age comes responsibility – Young drivers are statistically proven to be inattentive and easily distracted in a vehicle so they pay higher insurance coverage rates. Adding a young driver to your policy can break the bank. Older insureds have been proven to be more responsible, file fewer claims and are safer drivers.
• Little extras can really add up – Insurance companies have many additional coverages that can add up if you aren’t diligent. Things like coverage for rental cars, better glass coverage, and extra life insurance coverage may be wasting your money. These may sound like a good investment when buying your policy, but now you might not need them so think about removing them and cutting costs.
• Better prices for uninterrupted coverage – Driving any period of time without insurance is against the law and insurance coverage companies will penalize you for letting your coverage cancel without a new policy in place. Not only will rates go up, getting caught without coverage may earn you a fine, jail time, or a revoked license.

Insurance ads are enticing

Consumers can’t ignore all the ads that promise big savings for switching from companies such as Allstate and Progressive. All the companies say the same thing that drivers will save a bundle just by moving to them.

How does each company sell you cheaper insurance coverage? Just pay attention to how they say it.

Insurance providers have specific characteristics for the type of customer that makes them money. For example, this type of driver might be described as over the age of 45, owns their home, and drives less than 5,000 miles a year. Anyone who matches that profile will get the preferred rates and will save when switching.

People who fall short of this stringent profile may receive more expensive rates and ends up with business going elsewhere. The ad wording is “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how companies can truthfully make claims that they all have the best prices.

This illustrates why you really need to do a rate comparison at every renewal. It is impossible to guess the company that will have the lowest rates.

What auto insurance coverages do you need?

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Collision coverage

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

Collision coverage pays for claims like sustaining damage from a pot hole, driving through your garage door, colliding with a tree, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Mitsubishi Galant.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses for things like ambulance fees, doctor visits, EMT expenses, surgery and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability insurance

This will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, structural damage, court costs and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, fire damage, hitting a bird and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Get your money’s worth

People who switch companies do it for any number of reasons including not issuing a premium refund, an unsatisfactory settlement offer, lack of trust in their agent and extreme rates for teen drivers. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

Low-cost 1997 Mitsubishi Galant insurance is attainable both online and from local insurance agents, and you should compare rates from both to have the best selection. Some companies do not provide rates over the internet and these smaller companies prefer to sell through independent insurance agencies.

For more information, feel free to visit the following helpful articles:

• Frontal Crash Tests (iihs.org)
• Teen Driving Statistics (iihs.org)
• Understanding Car Crashes Video (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)