2011 Mitsubishi Galant Car Insurance Rates – 10 Tricks for Best Quotes

No one likes having to buy insurance, especially when they know their premiums are through the roof.

Online insurance companies like GEICO, Farmers Insurance and State Farm continually bombard you with advertising and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

It’s a great practice to take a look at other company’s rates at least once a year because prices are rarely the same from one policy term to another. Just because you found the best price for Galant coverage six months ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn the easiest way to find lower rates on insurance.

Compare insurance quotes

There are a lot of ways to compare insurance quotes, but one way is less labor-intensive and much quicker. You could spend the better part of a day driving to agents in your area, or you could use online quoting to quickly compare rates.

Most major companies take part in a program where prospective buyers submit one quote, and every company then returns a price quote determined by their information. This saves time by eliminating quotation requests to every company.

To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is you cannot specify which insurance companies to receive prices from. So if you want to choose from a list of companies to compare rates, we have a listing of low cost insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just be sure you’re using identical coverages and limits with each company. If each company quotes different deductibles it will be next to impossible to determine which company has the best rates. Having just a slight variation in insurance coverages may cause a big price difference. Keep in mind that comparing more company’s prices increases your odds of finding the best price.

Get lower rates with these ten discounts

Some companies don’t always publicize every disount available very clearly, so we took the time to find some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy insurance coverage online.

  • Defensive Driver – Taking part in a class that teaches defensive driving techniques could possibly earn you a 5% discount depending on where you live.
  • Telematics Data Discounts – Drivers who agree to allow their company to track driving manner through the use of a telematics system like Allstate’s Drivewise could save a few bucks if they have good driving habits.
  • Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Early Signing – A few larger companies offer discounts for switching companies prior to your current policy expiring. The savings is around 10%.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Accident Free – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote compared to drivers who are more careless.
  • More Vehicles More Savings – Purchasing coverage when you have several vehicles on one policy can reduce rates for all insured vehicles.
  • Safe Driver Discount – Drivers without accidents may receive a discount up to 45% for Galant coverage as compared to drivers with claims.
  • Smart Student Discounts – This discount may save as much as 25% on a insurance coverage quote. This discount can apply well after school through age 25.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school or through a local driver safety program.

As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts should definitely cut your insurance coverage premiums.

Larger insurance coverage companies and the discounts they provide are detailed below.

  • Farmers Insurance offers discounts for distant student, bundle discounts, homeowner, business and professional, and youthful driver.
  • State Farm includes discounts for accident-free, multiple policy, defensive driving training, anti-theft, Steer Clear safe driver discount, good driver, and student away at school.
  • Liberty Mutual may have discounts that include new vehicle discount, newly retired, exclusive group savings, safety features, new move discount, and good student.
  • MetLife has savings for defensive driver, good student, multi-policy, good driver, and claim-free.
  • Progressive has discounts for multi-vehicle, good student, continuous coverage, online quote discount, and multi-policy.

Check with all companies you are considering what discounts are available to you. Savings might not be offered everywhere. If you would like to see a list of providers that offer multiple discounts, follow this link.

Car insurance can be complex

When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • How much liability insurance is required?
  • Does my 2011 Mitsubishi Galant need full coverage?
  • Where can I get insurance after a DUI in my state?
  • What is no-fault insurance?
  • Why is insurance for a teen driver so high?
  • What companies insure drivers after a DUI or DWI?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Tricks in auto insurance advertising

Auto insurance providers like GEICO, State Farm and Progressive endlessly run television and radio advertisements. They all seem to make an identical promise that you’ll save big if you change your coverage to them. How does each company charge lower premium rates? You have to listen carefully.

Insurance companies have a certain “appetite” for the type of driver that will not have excessive claims. A good example of this type of insured might be described as a married female, has never had a policy lapse, and the vehicle is rated for pleasure use. Anybody that hits that “sweet spot” gets the lowest rates and will probably cut their rates substantially.

Drivers who fall outside this stringent profile will see higher premiums and this results in the customer buying from someone else. The ad wording is “customers who switch” not “everyone who quotes” save that much when switching. That’s the way companies can advertise the savings. This really illustrates why you really should get insurance coverage quotes as often as possible. It is just not possible to predict the company that will have the best rates at this point in time.

Detailed coverages of your insurance policy

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.

Liability coverages

This protects you from damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like structural damage, medical services, medical expenses, court costs and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, theft, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage kick in for bills for things like prosthetic devices, nursing services, chiropractic care and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and 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 but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

Collision insurance covers damage to your Galant resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree, hitting a parking meter and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Have the Midas touch

We covered many tips how you can get a better price on 2011 Mitsubishi Galant insurance. The key thing to remember is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even find the lowest priced insurance comes from a smaller regional carrier. They may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Progressive or GEICO.

Some insurance companies may not provide online quoting and these small insurance companies sell through independent agents. Low-cost 2011 Mitsubishi Galant insurance is available online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from.

More information can be read at the links below