1992 Mitsubishi Galant Car Insurance Rates – 7 Tricks for Cheaper Quotes

Consumers have many options when looking for the lowest priced Mitsubishi Galant insurance. They can either spend hours driving around trying to get quotes or utilize the internet to make rate comparisons.

There is a better way to compare insurance coverage rates so you’re going to learn the absolute fastest way to price shop coverage for a new or used Mitsubishi and obtain the lowest price from local insurance agents and online providers.

It’s important to shop coverage around occasionally because insurance coverage prices are rarely the same from one policy term to another. Even if you got the best price for Galant coverage six months ago you can probably find a better rate quote now. Ignore everything you know about insurance coverage because you’re about to learn how to quote online to properly buy coverages while reducing your premium.

How to find low cost auto insurance

Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes comparing rate quotes provided by online insurance companies. This is very easy and can be done by using one of the methods below.

One of the fastest ways to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This quick form eliminates the need for repetitive form entry for every auto insurance company. Filling out one form will get you price quotes direct from many companies. It’s definitely the quickest method.

A slightly less efficient method to get comparison quotes is going to the website of each company and repeat the quote process. For instance, we’ll assume you are doing a rate comparison from Allstate, Farmers and Progressive. You would have to go to each individual site to enter your coverage information, which can get old fast. For a list of companies in your area, click here.

The least efficient and most time consuming way of comparing rate quotes is going to and from local insurance agencies. Doing it all online eliminates the need for an insurance agent unless you have a need for the extra assistance of an agent trained in personal lines coverage. If you prefer, some companies allow you to find lower rates online but have your policy serviced through an agent.

The method you choose is up to you, but make absolute certain that you use apples-to-apples deductibles and coverage limits for each quote you get. If you have different coverage information then you won’t be able to determine the lowest rate for your Mitsubishi Galant.

When should I discuss my situation with an agent?

When choosing the best insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

• Will my insurance pay for OEM parts?
• Am I covered when delivering products for my home-based business?
• Should I drop comprehensive coverage on older vehicles?
• How can I force my company to pay a claim?
• Am I covered when using my vehicle for business?
• What exactly is covered by my policy?
• Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, driving through your garage door, damaging your car on a curb, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses like chiropractic care, pain medications, dental work and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

This provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as structural damage, medical services, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from flooding, hitting a bird and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mitsubishi Galant.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.