2000 Mitsubishi Galant Car Insurance Rates – 10 Tricks for Cheaper Quotes

Have you had enough of trying to scrape together enough money to pay your car insurance bill each month? You are no different than many other drivers. Many insurance companies compete for your hard-earned dollar, so it can be very hard to choose a company and get the definite lowest cost out there.

Take these ten policy discounts and save

Insuring your fleet can be pricey, but there may be some discounts that can dramatically reduce your bill. Many discounts should be triggered when you complete an application, but a few must be manually applied in order for you to get them. If you do not double check each discount you qualify for, you may be paying too high a price.

  • Good Student Discount – Being a good student may save you up to 25%. Many companies even apply the discount to college students up to age 25.
  • Early Signing – A few larger companies allow discounts for buying a new policy prior to your current policy expiration. You may see this discount when you get auto insurance quotes online.
  • No Claims – Insureds with no claims or accidents have much lower rates when compared to drivers with a long claim history.
  • Cautious Drivers – Safe drivers may receive a discount up to 45% for Galant insurance as compared to drivers with claims.
  • Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and can earn a small discount on your policy.
  • Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
  • Accident Forgiveness Coverage – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm will forgive one accident without raising rates if your claims history is clear for a certain period of time.
  • Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of at least 10% off all policies.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like you could get a free insurance policy, it just doesn’t work that way.

Companies and some of the premium reductions they offer are included below.

  • Progressive may offer discounts for multi-policy, continuous coverage, online quote discount, homeowner, good student, and multi-vehicle.
  • GEICO offers premium reductions for anti-theft, five-year accident-free, seat belt use, membership and employees, and emergency military deployment.
  • State Farm may have discounts that include multiple policy, good driver, defensive driving training, accident-free, and good student.
  • Esurance has savings for good driver, DriveSense, anti-lock brakes, paid-in-full, and online quote.
  • The Hartford policyholders can earn discounts including bundle, air bag, driver training, anti-theft, and defensive driver.

When quoting, ask every insurance company how you can save money. Discounts may not apply in your state. If you would like to choose from a list of insurance companies that offer the discounts shown above, click here.

Auto insurance quotes comparison

There are a variety of methods you can shop for auto insurance and some are less time-consuming than others. You could waste a few hours talking about coverages with agents in your area, or you can utilize the web to achieve your goal.

Many popular insurance companies enroll in a system where prospective buyers enter their coverage request one time, and every company can give them a price based on that information. This saves time by eliminating quote requests to every company.

To compare pricing click here (opens in new window).

The one downside to doing it this way is that you can’t choose which carriers to receive prices from. So if you prefer to choose from a list of companies to compare, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing the exact same information on every price quote you get. If you are comparing different limits and deductibles on each one you will not be able to truly determine the lowest rate.

Which policy gives me the best coverage?

When it comes to choosing coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might point out if you may require specific advice.

  • Is my nanny covered when driving my vehicle?
  • Am I covered if I wreck a rental car?
  • Does my car insurance cover rental cars?
  • What if I total my 2000 Mitsubishi Galant and owe more than it’s worth?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is upholstery damage covered by car insurance?
  • What is medical payments coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Does car insurance cover theft of personal property?
  • Is motorclub coverage worth it?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t escape the ads that promise big savings for switching by companies like State Farm and Allstate. They all seem to make the promise that drivers can save some big amount after switching to them.

How is it plausible that every one can make almost identical claims? You have to listen carefully.

Insurance companies have a certain “appetite” for the type of insured that is profitable for them. One example of a desirable insured could be over age 30, has a clear driving record, and insures a new vehicle. A driver that matches those criteria will qualify for the lowest premium rates and will probably pay quite a bit less when switching companies.

People who do not match these criteria will have to pay a more expensive rate which results in the prospect going elsewhere. The ads say “customers that switch” not “everyone who quotes” will save that much if they switch. This is how companies can truthfully make those claims. Because of the profiling, drivers should compare price quotes frequently. It’s not possible to predict which company will have the best rates at this point in time.

Specific coverages for a Mitsubishi Galant

Learning about specific coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.

Uninsured and underinsured coverage

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, fire damage, damage from flooding, vandalism and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

This protects you from damage that occurs to other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like funeral expenses, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Auto collision coverage

Collision insurance pays for damage to your Galant caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills such as doctor visits, pain medications and surgery. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Buy online or local, you save

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The aim is to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

We just covered many tips how you can reduce 2000 Mitsubishi Galant insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even discover the biggest savings come from some of the smallest insurance companies. Regional companies often have lower rates on specific markets than their larger competitors like State Farm or Progressive.

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