Save on 1997 Mitsubishi Galant Car Insurance Cost

I can’t think of a single person who fancies paying their premiums for insurance coverage, especially when they are aware that they could lower their rates if they shopped around. Due to the increasing number of online and local companies to choose from, it is very difficult to find the lowest cost insurance coverage company.

The purpose of this post is to help educate you on how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. Consumers just need to learn the most efficient way to shop online.

Buy car insurance online

Reducing your 1997 Mitsubishi Galant insurance rates is not rocket science. The only thing you need to do is take time comparing rate quotes to find out which insurance company has low cost car insurance quotes. It’s really simple and can be done by using one of the methods below.

Without a doubt, the easiest way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do repetitive form entry for every prospective company. A single, simple form gets insurance cost estimates direct from many companies.

Another way to find more affordable insurance requires you to visit the website for each individual company and repeat the quote process again and again. For examples sake, let’s assume you want to get rates from State Farm, Allstate and GMAC. In order to get each rate, you would have to take the time to go to each site to input your insurance information, which is not fast way to get rate quotes. For a list of companies in your area, click here.

The final method to compare price estimates is to spend time driving to all the different insurance agencies. Quoting and buying insurance online can eliminate the need for a local agent unless you have a complicated situation and need the trained advice that can only be provided by a licensed insurance agent. However, consumers can price shop online and get advice from an agent in your area.

It’s up to you which method you use, but try to use the same information on every quote you get. If you have unequal deductibles or liability limits you can’t possibly determine which rate is truly the best.

Start a Quote Now

Save a ton with these auto insurance discounts

Car insurance is not cheap, but you may find discounts that could drop your premiums quite a bit. Certain reductions will be credited at quote time, but some need to be specifically requested in order for you to get them.

Professional Memberships – Belonging to a qualifying organization may earn a discount when getting a car insurance quote.
No Claims – Drivers with accident-free driving histories get the best auto insurance rates compared to frequent claim filers.
Accident Waiver – Not a discount per se, but companies like Libery Mutual, GEICO and Allstate allow you one accident without the usual rate increase if your claims history is clear before the accident.
Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents so companies give up to a 10% discount.
Discount for New Cars – Buying a new car instead of a used car can cost up to 25% less because new vehicles are generally safer.
Policy Bundle Discount – When you combine your homeowners and auto insurance with one company you could earn a discount of up to 20% off your total premium.
Anti-theft Discount – Cars equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business. Any amount of discount will help lower your overall bill.

Popular auto insurance companies and some of the premium reductions they offer are detailed below.

GEICO includes discounts for membership and employees, five-year accident-free, defensive driver, driver training, and multi-vehicle.
Auto-Owners Insurance offers premium reductions for safe driver, group or association, good student, anti-lock brakes, paid in full, company car, and air bags.
American Family offers discounts for accident-free, multi-vehicle, defensive driver, good student, air bags, early bird, and Steer into Savings.
Esurance offers discounts including claim free, online shopper, safety device, Switch & Save, renters, homeowner, and anti-theft.
Progressive may have discounts that include multi-policy, online quote discount, multi-vehicle, homeowner, good student, continuous coverage, and online signing.
State Farm discounts include defensive driving training, Steer Clear safe driver discount, student away at school, driver’s education, Drive Safe & Save, good student, and multiple autos.
AAA has discounts for AAA membership discount, good driver, pay-in-full, multi-policy, and multi-car.

If you need lower rates, check with every insurance company how you can save money. Some of the discounts discussed earlier may not apply to policyholders in your area. If you would like to view providers with the best discounts, click here to view.

Insurance can get complicated

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

Will I lose any money if I cancel my policy before it expires?
Where can I get insurance after a DUI in my state?
What is PIP insurance?
How many claims can I have before being cancelled?
What happens if I owe more than my 1997 Mitsubishi Galant is worth?
What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Understanding the coverages of insurance can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.

Collision protection

Collision insurance will pay to fix damage to your Galant from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, crashing into a building, backing into a parked car, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills such as pain medications, nursing services and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a bird and hitting a deer. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as funeral expenses, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Mitsubishi Galant.

Due to the fact that 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 very important. Usually the UM/UIM limits are similar to your liability insurance amounts.