2002 Mitsubishi Galant Insurance Quotes – 8 Policy Discounts

Looking for the cheapest insurance rates? Shoppers have lots of choices when shopping for the best price on Mitsubishi Galant insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to find the lowest rates. There are more efficient ways to shop for insurance and we’ll show you the proper way to price shop coverage for your Mitsubishi and locate the lowest possible price from both online companies and local agents.

You should take the time to shop coverage around once or twice a year because prices are usually higher with each renewal. If you had the best rates on Galant coverage a couple years back you will most likely find a better rate today. Forget all the misinformation about insurance because you’re about to find out one of the quickest ways to find the best coverage while lowering your premiums.

Discounts can save BIG

Companies offering auto insurance don’t necessarily list all their discounts very well, so we took the time to find both the well known as well as the least known car insurance savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Galant coverage than their less cautious counterparts.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Seat Belts Save – Requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Galant coverage with select insurance companies.
  • Safety Course Discount – Completing a driver safety course could save 5% or more if you qualify.
  • Low Mileage – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • No Charge for an Accident – Certain companies allow you one accident without raising rates as long as you don’t have any claims for a set time period.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies who might offer these benefits are:

It’s a good idea to ask every prospective company how you can save money. Discounts might not be offered in every state.

Will just any policy work for me?

When it comes to choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • Is my camper covered by my car insurance policy?
  • Does my 2002 Mitsubishi Galant need full coverage?
  • When should I drop full coverage on my 2002 Mitsubishi Galant?
  • What are the best liability limits?
  • Is my trailer covered?
  • Am I missing any policy discounts?
  • Should I carry comprehensive and collision coverage?
  • Does my insurance cover a custom paint job?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Car insurance 101

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance – Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as legal defense fees, court costs, funeral expenses, pain and suffering and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like nursing services, funeral costs, rehabilitation expenses and ambulance fees. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, hitting a bird and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – This coverage will pay to fix damage to your Galant resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, damaging your car on a curb, hitting a parking meter and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mitsubishi Galant.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Power to the consumer

Cheap 2002 Mitsubishi Galant insurance can be purchased from both online companies as well as from independent agents, so you should compare both so you have a total pricing picture. Some insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Insureds who switch companies do it for a number of reasons such as being labeled a high risk driver, poor customer service, high prices and even not issuing a premium refund. No matter why you want to switch, finding a new company can be less work than you think.

In this article, we covered many ideas to lower your insurance rates. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even discover the lowest rates come from some of the smallest insurance companies.

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