1996 Mitsubishi Galant Insurance Rates – 6 Savings Tips

Are you regretting buying an underperforming, overpriced insurance policy? You’re preaching to the choir because there are a lot of people just like you who feel imprisoned by their insurance policy. Having so many choices, it’s difficult to locate the best insurance company.

It’s a good idea to shop coverage around once or twice a year because prices change regularly. If you had the best price on Galant insurance six months ago other companies may now be cheaper. There is a lot of bad advice regarding insurance on the internet, but we’re going to give you some good information on how to buy insurance cheaper.

Buying cheaper auto insurance coverage can be fairly easy. If you have a policy now or are shopping for new coverage, you can use this information to find the best rates while maximizing coverage. Vehicle owners just need to know how to get comparison rates over the internet.

Take advantage of every car insurance discount

Car insurance is expensive, but you can get discounts that can drop the cost substantially. Some of these disounts will be visible at quote time, but once in a while a discount must be asked for before you get the savings.

  • E-sign Discounts – Some of the larger companies will give a small break for buying your policy over the internet.
  • Discount for Low Mileage – Driving less can qualify you for discounted premium rates on garaged vehicles.
  • New Vehicle Savings – Buying a new car model can be considerably cheaper because new model year vehicles are generally safer.
  • Renewal Discounts – A few companies give discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Passive Restraint Discount – Factory air bags or motorized seat belts may get savings of 20 to 30 percent.
  • Multi-line Discount – Car insurance companies who offer life insurance give a lower price if you buy a life policy as well.

You can save money using discounts, but most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like you could get a free car insurance policy, it just doesn’t work that way.

To view insurers with the best discounts, click here.

How to know if you need help

When it comes to choosing adequate coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Should I rate my 1996 Mitsubishi Galant as pleasure use or commute?
  • Does having multiple vehicles earn me a discount?
  • Are my tools covered if they get stolen from my vehicle?
  • If my pet gets injured in an accident are they covered?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Switch companies and save? Really?

Consumers can’t get away from all the ads for the lowest price auto insurance by companies like Allstate and Progressive. They all seem to advertise claims about saving some big amount just by switching your coverage.

How can each company charge you less for car insurance? Here is the trick they use.

Many companies quote their best rates for the driver that will be a good risk. An example of this type of driver could possibly be between the ages of 30 and 50, has no driving citations, and drives a car with an anti-theft system. Anyone who matches those parameters may get the lowest prices and will pay quite a bit less when switching companies.

People who fall short of this ideal profile will have to pay more expensive rates and ends up with the customer buying from a different company. If you pay attention, the ads say “customers who switch” not “all people who quote” save the amount stated. This is how companies can advertise the savings.

This really emphasizes why you really need to compare quotes as often as possible. Because you cannot predict which company will give you lower car insurance rates than your current company.

Insurance coverage options for a Mitsubishi Galant

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Collision protection

This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with a tree, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, rock chips in glass and theft. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, pain and suffering, court costs, legal defense fees and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred 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. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for X-ray expenses, EMT expenses and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Cheaper insurance is a realistic goal

Discount 1996 Mitsubishi Galant insurance can be sourced from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get quotes online and many times these small insurance companies only sell through local independent agents.

When you buy car insurance online, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an insured cut liability coverage limits only to find out they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the best price, but do not skimp to save money.

We just showed you quite a bit of information on how to shop for 1996 Mitsubishi Galant insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding low cost car insurance. Consumers could even find that the biggest savings come from an unexpected company. Regional companies may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate, GEICO and Progressive.

Additional insurance information can be read at the links below