1996 Mitsubishi Galant Insurance Quotes – 10 Savings Tips

Looking for cheaper car insurance rates for your Mitsubishi Galant? I can’t think of anyone who loves paying for car insurance, especially when the price is too high. Companies like Progressive, State Farm and Geico constantly bombard you with ads and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

If you have a policy now or are just looking to switch companies, you can use this information to cut your premiums and still get good coverage. Buying car insurance is quite easy. Vehicle owners only need to know the most effective way to compare company rates online.

How to find cheap auto insurance

Most of the larger companies allow consumers to get prices online. The process is quite simple because it’s just a matter of typing in into the form. After you submit the form the company’s rating system requests your credit score and driving record and generates a price based on many factors. Online quotes makes comparing rates easy, but the time it takes to visit different websites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible if you want to find lower prices.

There is an easier way!

A quicker way to find better auto insurance pricing is to use a quote form to return rates from a bunch of companies at once. This type of form saves time, requires less work, and makes online shopping a little more enjoyable. After sending the form, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive. If you find a better price you can click and sign and purchase coverage. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

To save time and compare pricing, simply click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you enter deductibles and limits exactly as they are listed on your policy. Doing this guarantees you’re receiving a price comparison based on similar coverages.

Slash your auto insurance rates with these ten discounts

Companies don’t always list their entire list of discounts in a way that’s easy to find, so the following is a list of a few of the more common as well as some of the hidden credits available to lower your premiums when you buy insurance online. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.

• Renewal Discounts – A few auto insurance companies offer discounts for renewing your policy before your current coverage expires. You can save around 10% with this discount.
• Multiple Policy Discount – When you combine your homeowners and auto insurance with the same company you could earn a discount of up to 20% and get you the cheapest insurance.
• No Claim Discounts – Drivers who don’t have accidents can save substantially compared to policyholders that have many claims.
• Drive Less and Save – Driving less could earn better rates on cars that stay parked.
• Student Discount for Driver Training – Have your child enroll and complete driver’s education as it can save substantially.
• Federal Employees – Active or retired federal employment could cut as much as 10% off on Galant insurance with some auto insurance companies.
• Defensive Driver Discounts – Taking time to complete a course in driver safety could earn you a small percentage discount if your company offers it.
• Homeowners Pay Less – Just being a homeowner may earn you a small savings due to the fact that maintaining a home is proof of financial responsibility.
• Good Students Pay Less – Being a good student can save 20 to 25%. You can use this discount normally until age 25.
• More Vehicles More Savings – Having multiple cars or trucks with one company may reduce the rate for each vehicle.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like it’s possible to get free car insurance, nobody gets a free ride.

A few companies that may offer these discounts are:

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

When getting a coverage quote, ask every insurance company how many discounts you can get. All car insurance discounts may not apply everywhere. To see insurance companies with significant discounts, click this link.

You are unique and your insurance coverage should be too

When choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance should reflect that These are some specific questions may help you determine whether you might need an agent’s assistance.

• I have good health insurance, so how much medical payments coverage do I need?
• Is pleasure use cheaper than using my 1996 Mitsubishi Galant to commute?
• Should I have combined single limit or split liability limits?
• What is UM/UIM insurance?
• Is a blown tire covered by insurance?
• Am I covered when driving a rental car?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Coverages available on your car insurance policy

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Mitsubishi Galant.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills like pain medications, dental work, nursing services, funeral costs and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

This coverage provides protection from damage or injury you incur to a person or their property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical expenses, attorney fees and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, damage from flooding and damage from a tornado or hurricane. The most your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

This coverage covers damage to your Galant resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.