2012 Mitsubishi Galant Car Insurance Cost

Looking for the cheapest auto insurance rates for your Mitsubishi Galant? Have you had enough of not being able to afford to make your auto insurance payment? Your situation is no different than millions of other people.

Companies like Geico, 21st Century and Progressive promote their brand names with TV and radio ads and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

Which insurance coverage is cheapest?

Performing a rate comparison is a ton of work if you don’t utilize the fastest way to get free quotes. You can waste hours talking to insurance companies in your area, or you can stay home and use the internet to quickly compare rates.

All the larger companies participate in an industry program where prospective buyers enter their policy data once, and at least one company returns a competitive quote. This system prevents you from having to do quotation requests for each company.

To submit your quote information now, click here (opens in new window).

The single downside to pricing coverage this way is you can’t choose the insurers to get pricing from. If you wish to select individual companies to compare rates, we have a page of insurance coverage companies in your area. View list of insurance companies.

Whichever method you choose, do your best to use apples-to-apples coverage information on every price quote you get. If you compare different liability limits it will be nearly impossible to determine which company has the best rates. Slightly different insurance coverages or limits may cause a big price difference. It’s important to know that comparing all the rates in your area will enable you to find a better price. Some insurance companies are not set up to provide prices over the internet, so you should also compare price estimates from them as well.

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Are you qualifying for every discount?

Insurance is neither fun to buy or cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Certain discounts will be applied at the time of purchase, but some need to be asked for before they will apply.

• One Accident Forgiven – This one is not really a discount per se, but companies like Geico, Allstate and Liberty Mutual will forgive one accident without raising rates if your claims history is clear prior to the accident.
• Government Employees – Active or former government employment could provide a small rate reduction for Galant insurance with certain companies.
• Early Renewal Discounts – Some companies provide a discount for switching companies before your current policy expires. You can save around 10% with this discount.
• Defensive Driver Discount – Passing a course that instructs on driving safety could cut 5% off your bill depending on where you live.
• Claim Free – Good drivers with no accidents pay less compared to bad drivers.
• Military Discounts – Being on active duty in the military can result in better prices.
• Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

We need to note that most discounts do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Some of the insurance companies that may offer quotes with most of the discounts above include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

When getting a coverage quote, ask each insurance company which discounts you qualify for. Some discounts listed above may not be available in your area. If you would like to see a list of insurers with the best discounts, click here to view.

When in doubt talk to an agent

When it comes to choosing coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help you determine whether or not you might need professional guidance.

• What are the financial responsibility laws in my state?
• Should I file a claim if it’s only slightly more than my deductible?
• When do I need to add a new car to my policy?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is other people’s property covered if stolen from my vehicle?
• Am I insured when driving a different vehicle?
• Is my ex-spouse still covered by my policy?
• Am I covered if I hit my neighbor’s mailbox?
• Do I need to file an SR-22 for a DUI in my state?
• Is my cargo covered for damage or theft?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Collision coverage – Collision insurance covers damage to your Galant caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, colliding with a tree, hitting a mailbox, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability coverages – This coverage protects you from damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

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

Liability can pay for claims such as repair bills for other people’s vehicles, medical services, funeral expenses, legal defense fees and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, hail damage, hitting a bird and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like pain medications, ambulance fees and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

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Final considerations

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, someone dropped liability limits or collision coverage only to find out they didn’t have enough coverage. Your goal should be to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.

In this article, we covered a lot of ways to reduce 2012 Mitsubishi Galant insurance rates online. The key thing to remember is the more providers you compare, the better your comparison will be. You may even find the lowest priced auto insurance comes from the least-expected company. They may only write in your state and offer lower car insurance rates compared to the large companies like State Farm, Geico and Nationwide.

The cheapest 2012 Mitsubishi Galant insurance is possible both online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not offer the ability to get a quote online and most of the time these smaller providers only sell coverage through independent agencies.

For more information, link through to the following helpful articles:

• Older Driver Statistics (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Crash Avoidance Technologies FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)

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