Cheap 2003 Mitsubishi Galant Insurance Quotes

Trying to find lower auto insurance rates for your Mitsubishi Galant? Searching for low-cost insurance for a Mitsubishi Galant can normally be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the best way to compare rates for your Mitsubishi and get the lowest possible price.

You should make it a habit to do rate comparisons once or twice a year because prices change quite often. Despite the fact that you may have had the best price on Galant insurance two years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because it’s time to teach you one of the easiest ways to save on auto insurance.

Buying car insurance is quite easy. If you have a policy now or are shopping for new coverage, you can use these tips to shop for the lowest rates while maintaining coverages. Drivers just need to know the best way to buy insurance over the internet.

Free insurance rate quotes

Cutting your insurance rates is actually easier than you may think. Just invest a little time getting comparison quotes to see which company has low cost auto insurance quotes. Price comparisons can be done using one of these methods.

One of the simplest ways to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This type of form keeps you from doing multiple quote forms for each company. Completing one form gets prices estimates instantly. This is by far the quickest method.

A harder way to find better pricing requires visiting each individual company website to request a price quote. For instance, we’ll pretend you are doing a rate comparison from USAA, State Farm and Farmers. To find out each rate you need to spend time going to each site individually and type in your information over and over, which can get rather old.

For a list of links to insurance companies in your area, click here.

The least recommended way to get rate quotes is to spend your day driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance of a local agent. However, consumers can compare online quotes but purchase the actual policy in an agency.

How you compare quotes is your choice, just make darn sure you compare the same information with each company. If you enter different values for each quote it’s not possible to determine the best price for your Mitsubishi Galant.

Save money with these discounts

Some companies don’t list every discount in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known ways to save on car insurance.

• Low Mileage – Driving fewer miles could be rewarded with lower rates due to less chance of an accident.
• Theft Deterent System – Cars optioned with advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
• Active Service Discounts – Being deployed with a military unit can result in better prices.
• Multi-car Discount – Drivers who insure multiple cars on one policy can get a discount for every vehicle.
• Memberships – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your bill.
• Good Driver Discount – Drivers without accidents could pay up to 40% less on Galant insurance as compared to drivers with claims.

A quick disclaimer, some credits don’t apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. So despite the fact that it appears you could get a free car insurance policy, you’re out of luck.

Larger car insurance companies and some of the discounts include:

• Geico discounts include federal employee, five-year accident-free, seat belt use, anti-lock brakes, and defensive driver.
• Auto-Owners Insurance may include discounts for paperless, anti-lock brakes, good student, safe driver, anti-theft, group or association, and paid in full.
• American Family policyholders can earn discounts including accident-free, Steer into Savings, bundled insurance, good student, and TimeAway discount.
• Esurance offers discounts for anti-lock brakes, anti-theft, online quote, good driver, Pac-12 alumni, online shopper, and paid-in-full.
• Progressive may have discounts that include online quote discount, multi-policy, continuous coverage, homeowner, good student, multi-vehicle, and online signing.
• State Farm includes discounts for student away at school, Steer Clear safe driver discount, passive restraint, Drive Safe & Save, and good student.
• AAA has discounts for multi-car, good driver, multi-policy, AAA membership discount, anti-theft, education and occupation, and good student.

When quoting, ask every prospective company what discounts are available to you. Discounts may not apply to policies in your area. If you would like to see a list of companies offering car insurance discounts, follow this link.

Insurance can be complex

When buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether you would benefit from professional advice.

• What is the rate difference between pleasure use and commuting?
• Do I need replacement cost coverage?
• When does my teenage driver need to be added to my policy?
• Do I need PIP coverage since I have good health insurance?
• What is medical payments coverage?
• What if I owe more than I can insure my car for?
• Does coverage extend to my business vehicle?
• Am I covered if I crash into my own garage door?
• When do I need to add a new car to my policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Coverages available on your auto insurance policy

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage protection

Collision insurance will pay to fix damage to your Galant caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses such as X-ray expenses, EMT expenses, chiropractic care, prosthetic devices and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, vandalism and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, 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 can cover injuries or damage you cause to people or other property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, medical services and structural damage. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Mitsubishi Galant.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.