Lower Your 2001 Mitsubishi Galant Insurance Rates

Searching for better auto insurance rates for your Mitsubishi Galant? Having to pay for overpriced Mitsubishi Galant insurance can drain your bank account and force you to prioritize other expenses. Doing a price comparison is free and is an excellent way to cut your insurance bill.

With consumers having so many insurance companies to choose from, it can be challenging to find the right provider.

Best discounts on Mitsubishi Galant coverage

The cost of insuring your cars can be expensive, but you can get discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but some must be asked about before being credited.

  • Good Students Pay Less – This discount can get you a discount of up to 25%. This discount can apply until age 25.
  • College Student – Kids in college who live away from home and do not have a car can be insured at a reduced rate.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Organization Discounts – Affiliation with a civic or occupational organization is a good way to get lower rates on car insurance for Galant coverage.
  • Early Signing – A few companies offer discounts for switching policies before your current expiration date. This can save 10% or more.
  • Senior Citizens – Mature drivers can possibly qualify for better car insurance rates for Galant coverage.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Galant coverage with a few car insurance companies.
  • No Charge for an Accident – Some insurance companies allow you one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.

Consumers should know that most of the big mark downs will not be given the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, car insurance companies aren’t that generous. But any discount will reduce the cost of coverage.

To see a list of insurance companies with the best car insurance discounts, click here to view.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different so this has to be addressed. These are some specific questions can help discover if your situation would benefit from professional advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Are rock chip repairs covered?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I wreck a rental car?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions, then you may want to think about talking to 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.

Educate yourself about auto insurance coverages

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most auto insurance policies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for EMT expenses, surgery, pain medications and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This protects you from injuries or damage you cause to other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) 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 court costs, repair bills for other people’s vehicles, attorney fees, emergency aid and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, hail damage, a broken windshield, damage from flooding and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Mitsubishi Galant.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, hitting a mailbox, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Don’t throw your cash in the trash

We just presented many tips how you can save on 2001 Mitsubishi Galant insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even discover the best price on car insurance is with a small local company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Allstate, Geico and Progressive.

Cheaper insurance is available both online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

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