2004 Mitsubishi Galant Insurance Quotes – 8 Tips for Cheapest Rates

Nobody likes paying for auto insurance, in particular when the cost is way too high. Popular companies such as State Farm, Farmers Insurance, Geico and Allstate continually hit you with TV and radio ads and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.

It’s a great practice to price shop coverage yearly since insurance rates are constantly changing. Despite the fact that you may have had the best price on Galant coverage six months ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance on the web, but I’m going to show you some tested techniques to save money.

How to Get Insurance

Most companies provide prices directly from their websites. Getting online rates is quite easy as you just enter your coverage information as requested by the quote form. Once entered, their system gets reports for credit and driving violations and gives you a price quote. This streamlines rate comparisons, but the time required to go to different websites and complete many quote forms can be a bit repetitive. But it’s very important to have as many quotes as possible in order to get the best price on insurance.

Isn’t there an easier way to compare rates?

The smarter way to get multiple rate quotes requires only one form to return rates from a lot of companies. The form is fast, requires much less work on your part, and makes price shopping online much simpler. As soon as the form is sent, it is rated and you can choose any one of the quotes that you receive.

If a lower price is quoted, you can click and sign and purchase coverage. This process can be completed in a matter of minutes and may result in a nice savings.

To save time and use this form to compare rates, click here and enter your information. If you have coverage now, it’s recommended you copy deductibles and limits as shown on your current policy. Doing this assures you will receive rate comparison quotes using the exact same coverages.

Save with discounts on 2004 Mitsubishi Galant insurance

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but less common discounts must be asked about before you will receive the discount. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
Save with a New Car – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
Organization Discounts – Belonging to certain professional organizations could qualify you for a break on your policy on Galant coverage.
Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Galant coverage than drivers with accident claims.
Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance.
Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.
One Accident Forgiven – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.

It’s important to understand that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will cut your premiums.

Insurance companies that may have these money-saving discounts are:

Double check with every prospective company how you can save money. Savings may not be available in your state.

Tailor your coverage to you

When buying adequate coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help you determine if you will benefit from professional help.

Should I waive the damage coverage when renting a car?
Do I need an umbrella policy?
Are all vehicle passengers covered by medical payments coverage?
What if I don’t agree with a claim settlement offer?
Am I covered if I hit my neighbor’s mailbox?
Can I rate high risk drivers on liability-only vehicles?
Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Parts of your car insurance policy

Learning about specific coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mitsubishi Galant.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage

This coverage pays for damage to your Galant resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, driving through your garage door, backing into a parked car, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, a broken windshield, hitting a bird, vandalism and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills for things like hospital visits, chiropractic care, prosthetic devices, pain medications and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage will cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as emergency aid, loss of income, structural damage and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.