2000 Mitsubishi Galant Insurance Quotes

Searching for the cheapest auto insurance rates for your Mitsubishi Galant? Are you sick and tired of being strong-armed each month for car insurance? Your situation is no different than millions of other consumers.

Companies like Geico, Progressive and Allstate all claim big savings with ads and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Finding the best rates is easy if you know what you’re doing. But car owners do need to understand how the larger insurance companies compete online and take advantage of how the system works.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be requested specifically before being credited.

  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Homeowners Discount – Owning a home may trigger a car insurance policy discount because owning a home requires personal responsibility.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Safety Course Discount – Taking a defensive driving course could save 5% or more depending on where you live.
  • E-sign – A handful of insurance companies will give a small break for buying a policy and signing up on their website.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Save over 55 – Mature drivers may receive better car insurance rates on Galant coverage.
  • Drive Less and Save – Fewer annual miles on your Mitsubishi can earn discounted rates on garaged vehicles.
  • Student in College – Kids in college who are attending college and don’t have a car can receive lower rates.

Consumers should know that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will reduce the cost of coverage.

For a list of companies with the best car insurance discounts, click this link.

Insurance Comparison Rates

Performing a rate comparison can take hours if you aren’t aware of the best way to get rate quotes. You can spend your afternoon talking about coverages with insurance companies in your area, or you could use online quoting to maximize your effort.

All the larger companies participate in an industry program that allows shoppers to send in one quote, and each participating company returns a competitive quote based on the submitted data. This system prevents you from having to do quote forms to each company.

To enter your information into the quoting system, click to open in new window.

The only drawback to getting quotes like this is that you can’t choose which carriers to get quotes from. So if you want to choose specific providers for rate comparison, we put together a list of low cost insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same coverage limits for each price quote. If you compare different values for each quote you will not be able to determine which rate is truly the best. Slightly different insurance coverages may result in a large different in cost. Keep in mind that getting more free quotes will increase your chances of finding a better price.

Why your Mitsubishi Galant insurance rates may be high

It’s important that you understand some of the elements that help determine the rates you pay for insurance coverage. When you know what positively or negatively determines base rates enables informed choices that will entitle you to big savings.

  • Liability insurance protects assets – The liability section of your policy is the coverage that protects you if ever you are found liable for causing damage or personal injury in an accident. Liability provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Increase deductibles and save – Your deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The more you have to pay, the less your company will charge you for insurance on Galant coverage.
  • Optional equipment can affect rates – Owning a car with anti-theft technology or alarm system can get you a discount on your insurance coverage. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Better credit scores mean better rates – Your credit score is a important factor in determining what you pay for insurance coverage. If your credit is lower than you’d like, you could be paying less to insure your 2000 Mitsubishi Galant by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
  • Males pay more for insurance – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men tend to get into accidents at about the same rate, but the males cause more damage. They also have more aggressive citations such as DWI and reckless driving. Young males are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Traffic citations inflate rates – Good drivers receive lower rates compared to drivers with tickets. Only having one ticket can increase rates twenty percent or more. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Choose a safe vehicle and save – Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company and thus lower rates. If your Mitsubishi is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Do you work long hours in a high stress job? – Occupations such as doctors, executives and accountants have higher rates than average because of job stress and long work hours. On the flip side, occupations such as pilots, athletes and retirees get better rates on Galant coverage.

When might I need an agent?

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions can help discover whether your personal situation might need an agent’s assistance.

  • What if I total my 2000 Mitsubishi Galant and owe more than it’s worth?
  • Is business equipment covered while in my vehicle?
  • How high should deductibles be on a 2000 Mitsubishi Galant?
  • Is rental equipment covered for theft or damage?
  • Do I have any recourse if my insurance company denies a claim?
  • Does coverage extend to my business vehicle?
  • Where can I get insurance after a DUI in my state?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Slick advertising tricks that work

Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. All the companies say the same thing that you’ll save big if you switch your policy. How do they all make the same claim?

Insurance companies have a preferred profile for the type of driver that is profitable for them. For example, a preferred risk could be over the age of 40, is a homeowner, and drives less than 7,500 miles a year. A customer who meets those qualifications receives the best rates and therefore will save when switching.

Potential insureds who are not a match for this ideal profile will be quoted a more expensive rate which usually ends up with the customer not buying. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can confidently make the claims of big savings.

This emphasizes why you need to get as many quotes as possible. Because you never know which insurance companies will have the lowest Mitsubishi Galant insurance rates.

Car insurance specifics

Knowing the specifics of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Collision coverage

Collision coverage pays for damage to your Galant from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree, hitting a mailbox and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Liability auto insurance

This coverage can cover damage that occurs to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability 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. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like emergency aid, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like nursing services, prosthetic devices and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, damage from flooding, a tree branch falling on your vehicle and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2000 Mitsubishi Galant.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Quote more. Save more.

In this article, we presented some good ideas how you can save on 2000 Mitsubishi Galant insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with an unexpected company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

When shopping online for insurance coverage, it’s a bad idea to buy poor coverage just to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at a price you can afford.

More detailed insurance coverage information is available in the articles below: