How Much Does 1991 Mitsubishi Galant Insurance Cost?

Trying to find lower insurance rates for your Mitsubishi Galant? Feel like you’re a prisoner to high-priced insurance? Believe me, you’re not the only one. With so many companies to choose from, it’s nearly impossible to find the most affordable provider.

It’s important to do rate comparisons every six months because rates are rarely the same from one policy term to another. If you had the best deal for Galant insurance six months ago you will most likely find a better rate today. So block out anything you think you know about insurance because you’re about to learn one of the best ways to find better rates and still maintain coverage.

Finding affordable coverage is quite easy. If you have car insurance now, you should be able to reduce your rates substantially using these tips. Drivers only need an understanding of the proper methods to compare prices online.

Parts of the Mitsubishi Galant rate equation

An important part of buying insurance is that you know the factors that come into play when calculating your auto insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with better auto insurance rates.

The list below includes a few of the “ingredients” companies use to determine rates.

  • Discounts for multiple policies – The majority of companies will give a discount to people who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to shop around to verify if the discount is saving money. Consumers may find better rates by buying insurance from more than one company.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Pleasure use or commuting – The more you drive in a year’s time the more you will pay for auto insurance. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Galant may be wasting your money. Verify your auto insurance policy shows the correct driver usage.
  • Tickets mean higher rates – Even a single speeding ticket may increase your cost forty percent or more. Drivers with clean records get better rates than people who have multiple driving citations. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Higher deductibles cost less – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Mitsubishi from damage. A few examples of covered claims are collision with another vehicle, collision with an animal, and rolling your vehicle. The deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. The more you have to pay, the lower your rates will be for Galant insurance.
  • Battle of the sexes – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. They both have accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.

Insurance Coverage Prices Online

Most companies like Progressive, Allstate and Geico provide price estimates directly from their websites. Getting online quotes is quite easy as you simply enter your coverage information into a form. Upon sending the form, their rating system pulls information on your driving record and credit history and returns a price. Being able to quote online makes it a lot easier to compare rates but the time it takes to visit a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible if you are searching for the lowest possible prices on insurance coverage.

A less time-consuming method to lower your rates uses one simple form that analyzes rates from several companies at one time. This type of form saves time, requires much less work on your part, and makes online quotes a little more enjoyable. Once the form is submitted, it is rated and you are able to buy any of the pricing results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. This process only takes a few minutes and you will find out if you’re overpaying now.

To save time and get comparison pricing now, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you replicate deductibles and limits just like they are on your policy. This helps ensure you will get a fair comparison based on the exact same insurance coverage.

Take discounts and save

Companies don’t always publicize every available discount very clearly, so here is a list both the well known and the harder-to-find discounts you could be receiving. If you’re not getting every credit available, you’re just leaving money on the table.

  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Galant insurance depending on your company.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Defensive Driving Course – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.

Drivers should understand that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.

Companies that may offer these discounts include:

Before buying, ask all companies you are considering which discounts they offer. Discounts might not apply in every state.

Which policy gives me the best coverage?

When buying the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance needs to address that. For instance, these questions may help highlight if you will benefit from professional help.

  • What exactly is covered by my policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my personal policy cover me when driving out-of-state?
  • What is the ISO rating for a 1991 Mitsubishi Galant?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I break a side mirror?
  • Am I covered when pulling a rental trailer?
  • Is rental equipment covered for theft or damage?
  • Is my state a no-fault state?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverage breakdown

Knowing the specifics of auto insurance can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average auto insurance policy.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills like nursing services, pain medications and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance provides protection from damage that occurs to other people or property that is your fault. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like medical expenses, legal defense fees, loss of income, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, damage from getting keyed, vandalism, hitting a deer and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage will pay to fix damage to your Galant from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, damaging your car on a curb, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Shop. Compare. Save.

In this article, we covered a lot of techniques to compare 1991 Mitsubishi Galant insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the biggest savings come from the smaller companies. These companies may have significantly lower rates on certain market segments than their larger competitors like Geico and State Farm.

When trying to cut insurance costs, do not skimp on coverage in order to save money. There have been many cases where someone dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

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