Cheaper 1997 Mitsubishi Galant Car Insurance Rates

If you are new to online price comparisons, most likely you are overwhelmed due to the large number of online companies selling insurance.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Finding affordable car insurance is simple if you know the tricks. Although vehicle owners need to learn the way companies compete online and apply this information to your search.

Discounts can really help save money

Auto insurance companies do not advertise every discount they offer in a way that’s easy to find, so the below list has some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.

• Good Student Discount – This discount may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up until you turn 25.
• Distant College Student Discount – Kids living away from home attending college and do not have a car may be able to be covered for less.
• Passenger Safety Discount – Options like air bags or automatic seat belts can get savings of up to 25% or more.
• More Vehicles More Savings – Insuring all your vehicles with the same company can get a discount on all vehicles.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it can save substantially.
• ABS Braking Discount – Vehicles that have steering control and anti-lock brakes are safer to drive so you can save 10 percent or more.

While discounts sound great, it’s important to understand that some of the credits will not apply the the whole policy. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it’s just not the way it works.

Larger insurance companies and a selection of discounts are detailed below.

• Geico offers premium reductions for seat belt use, anti-lock brakes, anti-theft, federal employee, multi-policy, and air bags.
• MetLife may offer discounts for good student, defensive driver, claim-free, good driver, and multi-policy.
• State Farm may include discounts for good driver, Drive Safe & Save, good student, student away at school, driver’s education, multiple autos, and defensive driving training.
• Progressive has discounts for homeowner, online quote discount, multi-policy, continuous coverage, multi-vehicle, good student, and online signing.
• Mercury Insurance may have discounts that include multi-policy, accident-free, annual mileage, good driver, low natural disaster claims, and multi-car.
• 21st Century policyholders can earn discounts including 55 and older, air bags, anti-lock brakes, early bird, teen driver, defensive driver, and homeowners.
• Allstate offers discounts including eSmart discount, teenSMART discount, auto/life discount, premier plus, farm vehicle, and EZ pay plan discount.

Check with all the companies how you can save money. Some discounts may not be available in your state.

Will just any policy work for me?

When choosing the right insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

• Am I covered when using my vehicle for business?
• Does insurance cover damages from a DUI accident?
• Do I have coverage if my license is suspended?
• Is my teenager covered with friends in the car?
• Are my friends covered when driving my car?
• Am I covered if I drive in a foreign country?
• Am I covered when driving a rental car?
• Why am I required to buy high-risk coverage?
• Do I need medical payments coverage since I have good health insurance?
• Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Car insurance 101

Knowing the specifics of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical payments – Med pay and PIP coverage kick in for bills for surgery, dental work, rehabilitation expenses, hospital visits and ambulance fees. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability – Liability insurance protects you from damage or injury you incur to other people or property. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as legal defense fees, medical services, structural damage and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, vandalism, fire damage and theft. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage covers damage to your Galant resulting from a collision 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 pays for things like colliding with another moving vehicle, sideswiping another vehicle, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Save for a rainy day

You just read some good ideas how to lower your 1997 Mitsubishi Galant insurance rates. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest rates are with a company that doesn’t do a lot of advertising.

Lower-priced 1997 Mitsubishi Galant insurance is attainable online as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies don’t offer rate quotes online and most of the time these regional carriers work with independent agents.

Insureds leave their current company for a number of reasons such as high prices, not issuing a premium refund, extreme rates for teen drivers or delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Even more information is located at these sites:

• Car Insurance FAQ (Trusted Choice)
• Safety Features for Your New Car (State Farm)
• Your Car has been Stolen: Now What? (Allstate)
• Rollover Crash FAQ (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)