Cheap 1997 Mitsubishi Galant Insurance Quotes

Nobody I know looks forward to buying insurance, in particular when their premiums are too high. Lots of insurers contend to insure your vehicles, so it’s not easy to compare every provider to find the best rate

You should make it a habit to compare rates periodically since insurance rates change frequently. Despite the fact that you may have had the lowest price for Galant insurance on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to find out the easiest way to buy cheaper insurance.

Comprehensive Auto Insurance Comparison

Cutting your auto insurance rates doesn’t have to be difficult. The only thing you need to do is invest a few minutes to get quotes from different insurance companies. This can be accomplished using a couple different methods.

1. The fastest way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for boring form submissions for every auto insurance company. A single, simple form gets you coverage quotes from multiple companies.
2. A slightly less efficient method to find lower rates consists of going to each company website to request a price quote. For sake of this example, let’s assume you want rates from USAA, 21st Century and Progressive. You would have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

   To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just make sure you use exactly the same deductibles and coverage limits with every price quote. If your comparisons have different liability limits then you won’t be able to make a fair comparison for your Mitsubishi Galant.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

• Can I drive in Mexico and have coverage?
• What is the minimum liability in my state?
• Is upholstery damage covered by car insurance?
• Where can I find DUI or SR-22 insurance?
• What is the rate difference between pleasure use and commuting?
• Am I better off with higher deductibles on my 1997 Mitsubishi Galant?
• What happens if I owe more than my 1997 Mitsubishi Galant is worth?
• When would I need rental car insurance?
• Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Coverage specifics

Having a good grasp of insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses for nursing services, hospital visits, rehabilitation expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage will pay to fix damage to your Galant caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as attorney fees, repair costs for stationary objects, medical services and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, fire damage, theft, damage from getting keyed and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1997 Mitsubishi Galant.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.