View 1997 Mitsubishi 3000GT Insurance Rates

Trying to find better auto insurance rates for your Mitsubishi 3000GT? Being forced to pay for pricey auto insurance premiums can overdraw your accounts and force you to tighten up your finances.

Insurance companies such as Allstate and Progressive increase brand awareness with fancy advertisements and it can be hard to ignore the promise of big savings and find the best price available.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Finding affordable coverage is quite easy. But consumers must understand how companies compete online because it can help you find the best coverage.

Finding insurance

There are a lot of ways to shop for insurance, but one way is less labor-intensive and much quicker. You can waste hours talking to insurance companies in your area, or you can utilize online quoting to get the quickest rates.

The majority of car insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company provides a quote based on the submitted data. This prevents consumers from doing quote requests for each company.

To get comparison pricing now click here to open in new window.

The only downside to using this type of system is you cannot specify which companies you want pricing from. So if you want to choose specific insurance companies to request quotes from, we put together a list of the cheapest insurance companies in your area. Click to view list.

Take whichever approach you prefer, but compare the same quote data on every price quote you get. If you have unequal deductibles or liability limits you will not be able to determine the lowest rate for your Mitsubishi 3000GT. Having just a slight variation in insurance coverages or limits can mean a large discrepancy in price. And when comparing insurance rates, know that obtaining a wide range of quotes will enable you to find the best price.

Auto insurance discounts help cut rates

Companies that sell car insurance don’t always publicize all disounts very well, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious credits available to bring down your rates.

• Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts can save 10% or more on medical payment and PIP coverage.
• Accident-Free Discounts – Good drivers with no accidents have much lower rates in comparison to accident-prone drivers.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
• Drive Less and Save – Driving fewer miles may enable drivers to earn discounted premium rates on garaged vehicles.
• Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.

Consumers should know that some of the credits will not apply the the whole policy. Some only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

For a list of providers who offer free auto insurance quotes, follow this link.

Which is the best insurance coverage?

When it comes to buying coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different so your insurance should reflect that For example, these questions might help in determining whether or not you might need an agent’s assistance.

• Am I covered if I crash into my own garage door?
• At what point should I drop full coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need an umbrella policy?
• Am I covered when driving in Canada or Mexico?
• Is my camper covered by my car insurance policy?
• Does my policy pay for OEM or aftermarket parts?
• Why does it cost so much to insure a teen driver?
• Is pleasure use cheaper than using my 1997 Mitsubishi 3000GT to commute?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Insurance coverage considerations

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Collision protection

Collision insurance covers damage to your 3000GT from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mitsubishi 3000GT.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Auto liability insurance

This coverage can cover damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as emergency aid, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for nursing services, hospital visits and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, damage from flooding, vandalism and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.