1998 Mitsubishi Galant Insurance Cost – 9 Ideas for Best Prices

Overpriced Mitsubishi Galant insurance can empty your savings account and make it impossible to make ends meet. Doing a price comparison is free and is an excellent way to slash your bill and have more diposable income.

There are many insurers to purchase coverage from, and although it’s nice to have multiple companies, having more insurers makes it harder to compare rates and cut insurance costs.

This article will let you in on how to get online quotes and some tricks to saving. If you are paying for car insurance now, you will most likely be able to save some money using this information. Nevertheless, vehicle owners must know the methods companies use to market insurance on the web and apply this information to your search.

Take advantage of discounts

Car insurance is not cheap, but you may find discounts to cut the cost considerably. Some trigger automatically at the time of purchase, but a few need to be asked about before you will receive the discount.

  • Distant Student – Children who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Club Memberships – Being a member of a qualifying organization may earn a discount when shopping for insurance for Galant insurance.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
  • Accident Forgiveness – A few companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Senior Citizens – Mature drivers may receive a small decrease in premiums for Galant insurance.

Drivers should understand that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. But any discount will reduce the amount you have to pay.

Insurance companies that may offer these discounts include:

Check with every prospective company what discounts are available to you. Some discounts might not be offered in your area.

How to know if you need help

When buying adequate coverage, there is no cookie cutter policy. Each situation is unique so this has to be addressed. For instance, these questions can help discover if your situation might need an agent’s assistance.

  • Do I have coverage when making deliveries for my home business?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when driving someone else’s vehicle?
  • I don’t drive much so do I pay less?
  • Does my insurance cover my expensive audio equipment?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Can you really save that much by switching?

Geico, State Farm and Progressive constantly bombard you with ads in print and on television. All the companies say the same thing about savings if you switch your policy. How does each company make almost identical claims? This is how they do it.

Insurance companies have a certain “appetite” for the right customer that earns them a profit. For example, a profitable customer might be between the ages of 40 and 55, a clean driving record, and has a high credit rating. Any new insured who meets those qualifications receives the best rates and as a result will probably save a lot of money.

Consumers who fall outside the “perfect” profile will be charged higher premiums and ends up with the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save money. That is how companies can truthfully claim big savings.

That is why drivers must quote coverage with many companies. It’s impossible to know which company will have the lowest Mitsubishi Galant insurance rates.

Learn about car insurance coverages for a Mitsubishi Galant

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Mitsubishi Galant.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance

This coverage covers 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 coverage pays for things like theft, fire damage, damage from getting keyed and hitting a bird. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses like pain medications, EMT expenses and nursing services. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance will pay to fix damage to your Galant caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, crashing into a ditch, driving through your garage door, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Auto liability

Liability insurance will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical services, emergency aid, funeral expenses, loss of income and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Summing up your insurance search

We just showed you some good ideas how you can compare 1998 Mitsubishi Galant insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with some of the lesser-known companies. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, an insured dropped uninsured motorist or liability limits only to discover later that it was a big mistake. Your strategy should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

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