2012 Mitsubishi Galant Car Insurance Rates – 5 Discounts for Cheapest Quotes

Are you sick and tired of wondering where the money will come from to buy car insurance? You are in the same boat as most other consumers.

You have so many auto insurance companies to pick from, and even though it’s nice to have a choice, it can be more difficult to locate the cheapest rates.

It’s important to do price comparisons yearly because car insurance rates are adjusted regularly by insurance companies. Just because you had the best premium rates on Galant insurance a year ago there is a good chance you can find better prices now. Don’t believe everything you read about car insurance on the web, but in a few minutes you can learn some excellent ideas to put money back in your pocket.

Locating affordable protection is simple if you know the tricks. Just about anyone who has to buy car insurance should be able to lower their premiums. But car owners do need to understand how insurance companies compete online and use this information to your advantage.

Ways to get car insurance quotes

There are several ways to compare quotes from different companies. The best method to comparison shop is to jump online and get quotes. This is very easy and can be done in a couple minutes as outlined below.

The best way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do boring form submissions for every car insurance company. One quote request gets you coverage quotes direct from many companies.

A different way to find more affordable insurance is to manually visit each company website and repeat the quote process again and again. For examples sake, let’s say you want to compare rates from Allstate, Geico and American Family. To do that, you would have to spend time on each company’s site and repeatedly enter your information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.

If you have time to kill, the last method of comparing rate quotes is to waste gas driving to all the different insurance agencies. Comparing rates online has made agencies unnecessary unless you have a need for the extra assistance that only an agent can give. It is possible with some companies price shop online and have a local agent actually service the policy.

You can choose any of those ways to find more affodable coverage, but make sure you are using the exact same coverages and limits for every company. If you enter differing limits then you won’t be able to get a fair rate comparison. Even a minor difference in coverages could throw off the whole comparison. And when quoting car insurance, remember that having more price comparisons helps improve the odds of finding more affordable insurance. Not every company allows you to get online price quotes, so you also need to get price quotes from them, too.

Do you qualify for discount car insurance?

Companies that sell car insurance don’t always list all possible discounts in a way that’s easy to find, so we break down some of the best known and the more hidden discounts that you may qualify for.

• Professional Memberships – Being a member of certain professional organizations could trigger savings on your bill.
• Government Employees – Having worked for a branch of the government could cut as much as 10% off on Galant insurance but check with your company.
• Accident Forgiveness – but certain companies permit an accident before hitting you with a surcharge as long as you don’t have any claims before the accident.
• Multiple Policy Discount – If you have multiple policies and insure them with the same company you may earn as much as 10 to 15 percent.
• Discount for New Cars – Adding a new car to your policy can save you some money because new vehicles keep occupants safer.

Please keep in mind that most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, car insurance companies aren’t that generous.

A partial list of companies that have these benefits may include but are not limited to:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

Before you buy a policy, ask every prospective company which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders everywhere.

What insurance coverages do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether your personal situation might need professional guidance.

• Am I covered when driving in Canada or Mexico?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need motorclub coverage?
• Is my nanny covered when driving my vehicle?
• Is my ex-spouse still covered by my policy?
• Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverages

Understanding the coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Uninsured and underinsured coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 2012 Mitsubishi Galant.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverages – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, vandalism and damage from getting keyed. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability – This provides protection from damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, medical services, bail bonds and structural damage. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Collision coverages – This will pay to fix damage to your Galant resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, hitting a parking meter, hitting a mailbox, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for nursing services, doctor visits, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

A penny earned…

Some insurance providers don’t offer rates over the internet regional carriers only sell coverage through independent insurance agents. Cheaper auto insurance is possible from both online companies as well as from insurance agents, and you should be comparing both to have the best rate selection.

When you buy insurance online, never reduce coverage to reduce premium. In many instances, someone sacrificed liability coverage limits only to find out they didn’t purchase enough coverage. Your objective should be to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

We’ve covered a lot of tips how to compare 2012 Mitsubishi Galant insurance premium rates online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the best premium rates are with some of the lesser-known companies. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

More tips and info about auto insurance is available at these sites:

• How do I File a Claim? (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)