View 1998 Mitsubishi Galant Car Insurance Quotes

Comparison shopping for more affordable auto insurance can be a challenge for drivers who are new to buying insurance online. With so many insurance agents and companies, it can quickly become a chore to lower your rates.

Buying car insurance is not rocket science. Basically, every vehicle owner who is required by state law to have auto insurance most likely will be able to find better rates. But car owners must comprehend how the larger insurance companies market on the web.

Ways to get insurance rate quotes

When shopping for affordable insurance coverage quotes, there are a couple of ways of comparing rates from all the different companies. The easiest way by far to find competitive 1998 Mitsubishi Galant insurance rates consists of shopping online. This is quite simple and can be completed in just a few minutes using one of these methods.

  1. The fastest and easiest way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating separate quotation requests for every company. Completing one form will return quotes from many national carriers. It’s definitely the quickest method.
  2. A different way to analyze rates is to manually visit each company’s website and go through the quote process again. For example, we’ll assume you want to compare rates from Auto-Owners, State Farm and GMAC. To do that, you would have to go to every website and repeatedly enter your information, which can get rather old.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended method to price shop rates is physically going to each insurance agency near you. Shopping for insurance online makes this unnecessary unless your situation requires the personal advice of a local agency. If you prefer, some companies allow you to price shop online and still use a local agent.

You can choose any of those ways to find more affodable coverage, but ensure you’re using exactly the same coverage limits for each quote you get. If each company quotes unequal deductibles or liability limits then you won’t be able to determine which company has the best rates. Slightly different coverage limits could skew the results. And when quoting insurance, remember that comparing a large number of companies provides better odds of finding the best price.

Can you really save if you switch?

Companies like GEICO, State Farm and Progressive endlessly run ads in print and on television. They all seem to make the same claim of big savings if you switch your insurance policy to them. How is it plausible that every one can charge you a lower premium? This is how they do it.

All the different companies quote their best rates for the right customer that earns them the highest profit. For instance, this type of insured could possibly be between 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Anybody who matches that profile receive the lowest rate quotes and will probably pay quite a bit less when switching companies.

Potential insureds who may not quite match the requirements will have to pay higher premiums and business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that much money. That is how companies can truthfully make the claims of big savings. That is why drivers must get as many free insurance coverage quotes as possible. It’s just not possible to know with any certainty which company will have better rates than you’re paying now.

Smart consumers can slash their insurance rates

Many things are used when premium rates are determined. Some are pretty understandable like your driving record, but some are less obvious such as whether you are married or your financial responsibility.

  • Low credit rating equals high prices – Having a bad credit score is a big factor in calculating your premium rate. Therefore, if your credit history could use some work, you may save money insuring your 1998 Mitsubishi Galant by improving your credit score. People with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings.
  • Lower prices with no policy lapses – Letting your insurance expire is a guaranteed way to trigger a rate increase. In addition to paying higher premiums, failure to provide proof of insurance will get you a revoked license or a big fine.
  • Gender impacts rates – Statistics have proven that females take fewer risks when driving. Now that doesn’t mean males are worse at driving than females. Both sexes cause accidents in similar numbers, but guys have accidents that have higher claims. Not only are claims higher, but men receive more costly citations like driving under the influence (DUI).
  • Good drivers pay less – Even one citation could increase your next policy renewal forty percent or more. Drivers with clean records tend to pay less for car insurance compared to bad drivers. Drivers with severe tickets like DUI or reckless driving may need to maintain a SR-22 with their state’s licensing department in order to keep their license.
  • Save money with higher physical damage deductibles – Physical damage deductibles are how much you are required to pay if a claim is determined to be covered. Insurance for physical damage to your car, also called comprehensive and collision insurance, insures against damage to your car. Some examples of covered claims are collision with another vehicle, damage caused by hail, and damage from wind. The more money the insured has to pay upfront, the less your car insurance will be on Galant coverage.

Save money with these auto insurance discounts

Auto insurance is neither fun to buy or cheap, but there may be some discounts that could drop your premiums quite a bit. Many discounts should be triggered at quote time, but lesser-known reductions have to be asked about before they will apply.

  • Data Collection Discounts – Insureds that choose to allow companies to monitor when and where they use their vehicle by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they are good drivers.
  • Discount for New Cars – Buying a new car model can save up to 30% because new model year vehicles have to meet stringent safety requirements.
  • Save over 55 – Older drivers are able to get lower premium rates on Galant coverage.
  • Active Service Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
  • Drivers Education – Teen drivers should enroll in driver’s education if offered at their school.

One last thing about discounts, most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it’s just not the way it works.

Car insurance companies that have most of the discounts above are:

When getting a coverage quote, ask every prospective company which discounts they offer. Some credits may not apply to policyholders in your state. To find auto insurance companies that offer many of these discounts, click here.

Auto insurance can get complicated

When it comes to choosing adequate coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions might point out whether or not you would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • At what point should I drop full coverage?
  • Is my Mitsubishi Galant covered if I use it for business?
  • What can I do if my company denied a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need motorclub coverage?
  • Are split liability limits better than a combined single limit?
  • Should I buy full coverage?
  • Does coverage extend to my business vehicle?
  • How can I find cheaper teen driver insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance policy specifics

Having a good grasp of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Liability coverages

This can cover damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as bail bonds, structural damage, attorney fees and loss of income. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mitsubishi Galant.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as nursing services, funeral costs, prosthetic devices and X-ray expenses. 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 all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, hitting a parking meter, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, vandalism and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Smart consumers save more

As you quote insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In many instances, an insured cut uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

Lower-priced insurance can be sourced from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get quotes online and many times these smaller providers only sell through independent agencies.

Drivers who switch companies do it for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, an unsatisfactory settlement offer or delays in responding to claim requests. Whatever your reason, finding a new insurance company is pretty simple and you could end up saving a buck or two.

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