1999 Mitsubishi Galant Insurance Cost – 9 Tips for Cheapest Prices

Trying to find cheaper insurance rates for your Mitsubishi Galant? I can’t think of anyone who looks forward to paying for insurance, especially when they could find better prices if they shop around. Because there are so many different company options, it is very difficult to pick a more affordable insurance provider.

Which car insurance is cheapest?

Lowering your 1999 Mitsubishi Galant car insurance rates is not rocket science. The only requirement is to take time to compare rate quotes provided by online insurance companies. It’s really simple and can be done in several different ways.

1. The simplest way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This quick form eliminates the need for separate quotes for each price estimate. One simple form compares rates direct from many companies.
2. A less efficient way to get comparison quotes is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s say you want to view quotes from Farmers, Allstate and Liberty Mutual. You would have to take the time to go to each site to input your insurance information, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.
3. The least efficient method to get price estimates is going to and from local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you prefer the trained advice that you can only get from talking to an agent. However, consumers can compare online quotes and still use a local agent.

Whichever way you use, be sure you’re using identical coverages for each price quote. If you are comparing different limits and deductibles on each one it will be next to impossible to determine which company has the best rates.

Car insurance can be complex

When it comes to choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

• Do I need rental car coverage?
• Why do I only qualify for high-risk insurance?
• What is an SR-22 filing?
• Is my teenager covered with friends in the car?
• What are the best liability limits?
• Is my nanny covered when driving my vehicle?
• Am I covered if I hit my neighbor’s mailbox?
• When should I buy a commercial auto policy?
• How can I get high-risk coverage after a DUI?
• Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Car insurance coverages 101

Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types available from car insurance companies.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like repair costs for stationary objects, medical expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Mitsubishi Galant.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

This coverage pays for damage to your Galant resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, colliding with a tree, sustaining damage from a pot hole, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, damage from getting keyed, fire damage, falling objects and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses for things like ambulance fees, doctor visits and nursing services. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible