2009 Mitsubishi Galant Car Insurance Cost – 6 Tips for Best Prices

Trying to find the cheapest auto insurance rates for your Mitsubishi Galant? Searching for the cheapest insurance for a Mitsubishi Galant can turn out to be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to shop for auto insurance so we’re going to tell you the proper way to price shop coverage on a Mitsubishi and get the best price possible either online or from local insurance agents.

The most recommended method to compare car insurance company rates utilizes the fact most larger insurance companies allow for online access to provide you with a free rate quote. All consumers are required to do is provide the companies a bit of rating information including your job, driver details, how much coverage you want, and types of safety features. That rating data is instantly provided to many highly-rated insurers and you get price estimates quickly.

Find discounts to get cheap insurance quotes

Companies offering auto insurance do not advertise their entire list of discounts very well, so below is a list some of the more common in addition to some of the lesser obvious credits available to bring down your rates. If you do not double check each discount available, you are just wasting money.

• Discounts for Cautious Drivers – Insureds without accidents can save as much as half off their rates for Galant coverage than drivers with accidents.
• Professional Memberships – Being a member of a civic or occupational organization could qualify you for a break on insurance.
• New Car Discount – Buying a new car instead of a used car can be considerably cheaper because newer vehicles are generally safer.
• Own a Home and Save – Simply owning a home can get you a discount since owning and maintaining a home demonstrates responsibility.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
• Government Employees – Active or retired federal employment can earn a discount up to 10% for Galant coverage with a few insurance companies.

It’s important to note that most credits do not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, that’s just not realistic. But any discount should help reduce the amount you have to pay.

A partial list of companies that may have some of the discounts shown above include:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

Before buying, ask each insurance company which discounts you qualify for. Discounts might not be offered on policies in your area. For a list of insurance companies that provide some of the discounts listed above, click here.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions may help highlight whether you might need an agent’s assistance.

• When do I need to add a new car to my policy?
• Will filing a claim cost me more?
• What is medical payments coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Where can I find DUI or SR-22 insurance?
• Am I covered if I break a side mirror?
• Does my policy pay for OEM or aftermarket parts?
• How many claims can I have before being cancelled?
• Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Specifics of your insurance policy

Understanding the coverages of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Liability

This coverage can cover damage that occurs to other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like emergency aid, medical services and loss of income. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like surgery, X-ray expenses, doctor visits, prosthetic devices and funeral costs. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a bird and hitting a deer. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Mitsubishi Galant.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

Collision coverage pays for damage to your Galant caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.