2006 Mitsubishi Galant Insurance Quotes – 8 Policy Discounts

Looking for better auto insurance rates for your Mitsubishi Galant? Finding better insurance prices for a new or used Mitsubishi Galant can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to buy auto insurance and we’ll show you the best way to get price quotes for a new or used Mitsubishi and locate the best price possible either online or from local insurance agents.

Smart consumers take time to shop coverage around occasionally because rates are adjusted regularly by insurance companies. Just because you found the best premium rates on Galant coverage at your last renewal the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because we’re going to demonstrate one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you have insurance now or are just looking to switch companies, you can use this information to cut your premiums and possibly find even better coverage. Finding cheaper protection can be fairly easy. Drivers just need to learn the best way to shop their coverage around over the internet.

Low cost insurance coverage prices

Performing a rate comparison can be a lot of work if you don’t understand the most efficient way to do it. You can waste hours talking to insurance companies in your area, or you can stay home and use online quoting to maximize your effort.

Many insurance companies are enrolled in a marketplace where insurance shoppers submit one quote, and every company can provide price quotes for coverage. This prevents consumers from doing quote requests for each company you want a rate for. To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to comparing rates this way is buyers cannot specifically choose which carriers to get quotes from. If you prefer to choose specific insurance companies to request quotes from, we have a page of insurance coverage companies in your area. Click here to view list.

The method you choose is up to you, but try to keep nearly identical information with every price quote. If you have different limits and deductibles on each one you can’t possibly decipher which rate is best.

Slick advertising tricks that work

Consumers get pounded daily by advertisements that promise big savings for switching from companies such as Progressive, Allstate and Geico. All the companies state the claim about how much you will save if you get a free insurance quote and switch to their company.

That’s great but how can every company sell you cheaper insurance coverage? This is the way they can do it.

Companies look for specific characteristics for the driver that will generate a profit. For example, a profitable risk profile may be married and over the age of 30, has a low-risk occupation, and has excellent credit. Any person who fits those characteristics will get the preferred rates and have a good chance to cut their rates substantially.

Drivers who fall short of these stringent criteria will have to pay a higher rate which leads to the driver buying from a lower-cost company. If you pay attention, the ads say “drivers that switch” but not “everyone who gets a quote” save that much money. That’s the way companies can make claims like that. This really emphasizes why you need to do a quote comparison often. It’s not possible to predict which insurance companies will fit your personal profile best.

Use discounts to get cheaper insurance coverage quotes

Insurance coverage is not cheap nor is it fun to buy but you may find discounts to help bring down the price. A few discounts will automatically apply when you get a quote, but a few must be asked about before you get the savings.

• Government Employee Discount – Simply working for the federal government can earn a discount up to 10% on Galant coverage but check with your company.
• Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents so you can save 10 percent or more.
• Claim Free – Claim-free drivers have much lower rates as compared to frequent claim filers.
• Club Memberships – Participating in qualifying employment or professional organizations can get you a small discount on your policy.
• Policy Bundle Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company you may save as much as 10 to 15 percent.
• Theft Deterent – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
• Switch and Save Discount – A few insurance companies offer discounts for signing up before your current policy expires. It can save you around 10%.
• Discount for Life Insurance – Larger insurance coverage companies have a discounted insurance coverage rate on car insurance if you buy life insurance from them.

Just know that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts should definitely cut your policy premiums.

Auto insurance companies that may offer policyholders these benefits include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

Before buying, ask all the companies which discounts you qualify for. Some discounts listed above might not apply in your state. If you would like to view companies that provide some of the discounts listed above, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

• Does coverage extend to a rental car in a foreign country?
• What is roadside assistance coverage?
• Am I missing any policy discounts?
• Am I covered when delivering products for my home-based business?
• Do I need an umbrella policy?
• What is the minimum liability in my state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Car insurance coverages 101

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, driving through your garage door and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, a broken windshield and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance – This coverage will cover damage or injury you incur to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like pain and suffering, funeral expenses, repair bills for other people’s vehicles, structural damage and medical services. How much coverage you buy is your choice, but you should buy higher limits if possible.

Insurance for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses like ambulance fees, X-ray expenses and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Be a Smart Shopper

Cheap 2006 Mitsubishi Galant insurance can be found online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and many times these small insurance companies prefer to sell through independent agents.

In this article, we covered quite a bit of information on how to compare 2006 Mitsubishi Galant insurance prices online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting the cheapest insurance. Consumers may even find the lowest prices come from a lesser-known regional company.

Consumers leave their current company for a number of reasons such as an unsatisfactory settlement offer, unfair underwriting practices, not issuing a premium refund or extreme rates for teen drivers. Whatever your reason, finding a new company is easier than you think.

For more information, feel free to browse these articles:

• Safe Vehicles for Teens (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Property Damage Coverage (Liberty Mutual)
• All About Airbag Safety (State Farm)