2002 Mitsubishi Galant Insurance Quotes – 9 Policy Discounts

Want cheaper insurance rates for your Mitsubishi Galant? No sane person fancies paying their premiums for insurance, especially when they are aware that their premiums are through the roof. Many insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to find the cheapest price

Auto Insurance Discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many consumers don’t even know exist. A few discounts will be applied when you purchase, but some must be inquired about before you get the savings.

• Multi-car Discount – Drivers who insure multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
• Professional Organizations – Belonging to qualifying employment or professional organizations could qualify you for a break when shopping for auto insurance.
• Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
• Early Renewal Discounts – A few auto insurance companies give discounts for renewing your policy prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
• Accident Forgiveness Coverage – This one isn’t a discount, but a handful of insurance companies permit an accident before raising your premiums if you are claim-free for a set time period.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
• Smart Student Discounts – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
• New Car Discount – Putting auto insurance coverage on a new car can save up to 30% since new vehicles have better safety ratings.
• Discounts for Government Workers – Federal government employees could cut as much as 10% off on Galant insurance with select insurance companies.

Just know that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though you would think all those discounts means the company will pay you, that’s just not realistic. Any amount of discount will bring down your auto insurance premiums.

A list of companies and their offered discounts include:

• Progressive has savings for online quote discount, multi-policy, multi-vehicle, online signing, good student, continuous coverage, and homeowner.
• Geico includes discounts for federal employee, multi-vehicle, good student, seat belt use, air bags, and daytime running lights.
• State Farm may have discounts that include passive restraint, multiple autos, accident-free, safe vehicle, good student, Drive Safe & Save, and student away at school.
• Esurance policyholders can earn discounts including multi-policy, Pac-12 alumni, good driver, DriveSense, anti-lock brakes, and anti-theft.
• The Hartford offers discounts including good student, vehicle fuel type, bundle, air bag, and defensive driver.

When quoting, ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders in your state. To see insurers who offer free auto insurance quotes, click this link.

Tailor your insurance coverage to you

When buying coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help you determine whether or not you might need professional guidance.

• Should I put collision coverage on all my vehicles?
• Can I rent a car in Mexico?
• When should I not file a claim?
• Does my car insurance cover rental cars?
• Are all vehicle passengers covered by medical payments coverage?
• Is my ex-spouse still covered by my policy?
• Can I get a multi-policy discount?
• What are the best liability limits?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Having a good grasp of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, damage from flooding and theft. The most a 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 it’s probably time to drop comprehensive insurance.

Liability auto insurance – This coverage will cover damages or injuries you inflict on 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, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as bail bonds, legal defense fees, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision insurance covers damage to your Galant from colliding 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 coverage protects against things like backing into a parked car, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses like hospital visits, funeral costs, surgery, rehabilitation expenses and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Best coverage at the best price

Lower-priced insurance coverage is available online and from local insurance agents, so you should compare both to have the best selection. Some insurance companies may not have online price quotes and most of the time these regional carriers prefer to sell through local independent agencies.

You just read quite a bit of information on how to compare 2002 Mitsubishi Galant insurance premium rates online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the best price on insurance coverage is with the smaller companies. They may only write in your state and offer lower prices compared to the large companies like Geico and State Farm.

Additional detailed information is located in these articles:

• Your Car has been Stolen: Now What? (Allstate)
• Shopping for a Safe Car (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)