Save on 2010 Mitsubishi Galant Car Insurance Cost

Think you have overpriced auto insurance? Believe me when I say there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Numerous insurance companies battle for your hard-earned dollar, so it can be very hard to choose a company to get the lowest price

If you have car insurance now, you should be able to cut costs considerably using these methods. Choosing the best insurance company for you is not that difficult. But vehicle owners should learn the way insurance companies sell online and use this information to your advantage.

Get affordable insurance with discounts

Insurance is not cheap nor is it fun to buy but there could be significant discounts that can help lower your rates. Certain discounts will be applied when you complete an application, but a few need to be specifically requested before they will apply.

• Early Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you could save up to 5%.
• Theft Deterent – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10% off your auto insurance quote.
• Data Collection Discounts – Drivers who elect to allow their company to look at where and when they drive through the use of a telematics system such as State Farm’s In-Drive might get better premium rates as long as they are good drivers.
• New Vehicle Savings – Adding a new car to your policy can save up to 30% because new model year vehicles are generally safer.
• Paperless Signup – Certain insurance companies will give a small break shop auto insurance digitally online.
• Multiple Cars – Insuring multiple cars or trucks with the same insurance company can get a discount for every vehicle.
• Safe Driver Discounts – Drivers who don’t get into accidents may save up to 50% more for Galant insurance than drivers with accident claims.
• Student Discounts – Being a good student can earn a discount of 20% or more. The discount lasts up to age 25.

Don’t be shocked that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

A list of insurance companies and some of the premium reductions they offer are detailed below.

• State Farm has discounts for good student, passive restraint, anti-theft, good driver, and Steer Clear safe driver discount.
• Geico has savings for multi-policy, multi-vehicle, anti-theft, defensive driver, military active duty, good student, and daytime running lights.
• Allstate includes discounts for utility vehicle, new car, defensive driver, premier plus, and passive restraint.
• SAFECO policyholders can earn discounts including anti-theft, bundle discounts, homeowner, accident prevention training, drive less, and teen safe driver.
• Farm Bureau may have discounts that include multi-policy, youthful driver, safe driver, renewal discount, driver training, and 55 and retired.
• Progressive may include discounts for continuous coverage, online quote discount, online signing, good student, and homeowner.
• AAA discounts include education and occupation, good driver, AAA membership discount, multi-policy, and pay-in-full.

When getting a coverage quote, ask each insurance company which discounts you may be entitled to. Discounts might not be offered in your area. If you would like to choose from a list of companies with the best insurance discounts, click here.

Tailor your car insurance coverage to you

When choosing coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine if you will benefit from professional help.

• Is borrowed equipment or tools covered if stolen or damaged?
• Does car insurance cover theft of personal property?
• Is business equipment covered while in my vehicle?
• Is my trailer covered?
• Is my 2010 Mitsubishi Galant covered for smoke damage?
• Do I need higher collision deductibles?
• Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Car insurance coverage breakdown

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average car insurance policy.

Liability coverages

This coverage protects you from injuries or damage you cause to a person or their property. It protects you against claims from other people. Liability 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. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as structural damage, medical services, legal defense fees, funeral expenses and bail bonds. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, damage from a tornado or hurricane, rock chips in glass, a broken windshield and damage from flooding. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for rehabilitation expenses, nursing services and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision insurance covers damage to your Galant resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

A penny earned…

Lower-priced insurance is attainable both online in addition to many insurance agents, so you need to shop auto insurance with both to have the best rate selection. Some companies may not offer rate quotes online and many times these regional insurance providers provide coverage only through independent agents.

Throughout this article, we presented a lot of tips how to get a better price on 2010 Mitsubishi Galant insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your car insurance rates. You may even find the biggest savings come from a small local company. These companies can often provide lower car insurance rates in certain areas compared to the large companies like Geico and State Farm.

To learn more, feel free to browse the articles below:

• Safe Vehicles for Teens (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• Shopping for a Safe Car (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Tools for Teen Driving Safety (State Farm)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)