1996 Mitsubishi Galant Car Insurance Cost

Are you intimidated by the crazy number of auto insurance company choices? Many other drivers are as well. You have so many companies to choose from that it can be a real challenge to find lower rates.

It is always a good idea to do rate comparisons on a regular basis because rates change frequently. Even if you think you had the best price on Galant coverage a year ago there is a good chance you can find better rates now. So ignore everything you know about auto insurance because you’re going to get a crash course in the quickest way to find lower rates on auto insurance.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Finding cheaper coverage is easy if you know what you’re doing. But drivers need to learn how the larger insurance companies compete online and use this information to your advantage.

The most recommended method to compare rate quotes takes advantage of the fact most insurance companies participate in online systems to quote your coverage. To get started, all you need to do is spend a couple of minutes providing details including whether the vehicles are used for commuting, your job, how old drivers are, and if the car is leased. Your insurance information is instantly sent to insurance companies and they return cost estimate almost instantly.

To find the cheapest 1996 Mitsubishi Galant insurance rates, click here and find out if you can get cheaper insurance.

Don’t miss these discounts

Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be inquired about before you will receive the discount.

  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Galant coverage depending on your company.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Homeowners Discount – Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Distant Student – Youth drivers living away from home attending college and don’t have a car may qualify for this discount.
  • Club Memberships – Participating in certain professional organizations could qualify you for a break on car insurance on Galant coverage.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.

Drivers should understand that many deductions do not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will cut the cost of coverage.

For a list of insurers with discount car insurance rates, follow this link.

These factors can influence what you pay for Mitsubishi Galant insurance

Smart consumers have a good feel for the factors that go into determining insurance rates. Knowing what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

  • Being married is a good thing – Having a wife or husband can get you a discount when buying insurance. Having a spouse usually means you are more mature and it’s proven that married couples file fewer claims.
  • Car features impact rates – Owning a car with an alarm system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
  • Traffic violations increase rates – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Even one ticket can boost insurance rates by as much as thirty percent. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Too many insurance claims drive up costs – Auto insurance companies give cheaper rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is designed for the large, substantial claims.
  • Lower miles equals lower premium – The higher the mileage driven in a year’s time the higher your rate. Most companies apply a rate based upon how you use the vehicle. Vehicles that are left in the garage receive lower rates than those used for commuting. Verify your insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Galant can result in significantly higher rates.
  • Older drivers pay less – Older insureds tend to be more responsible, tend to file fewer claims and receive fewer citations. Young drivers tend to get distracted easily when behind the wheel therefore insurance rates are much higher.
  • Are you male or female? – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Women and men are in accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as DWI and reckless driving.

When might I need help?

When buying adequate coverage for your personal vehicles, there is no one size fits all plan. Every situation is different.

For example, these questions can aid in determining if you would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • Is pleasure use cheaper than using my 1996 Mitsubishi Galant to commute?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do all my vehicles need collision coverage?
  • Am I insured when driving a different vehicle?
  • Does my car insurance cover rental cars?
  • Do I need replacement cost coverage on my 1996 Mitsubishi Galant?
  • Are rock chip repairs covered?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

The fine print in car insurance ads

Companies like Allstate and Progressive continually stream ads on television and other media. All the ads make the same claim that you’ll save big after switching your policy. How can each company say the same thing?

All the different companies have a certain “appetite” for the type of driver that makes them money. For example, a driver they prefer might be between 30 and 50, has no tickets, and has a short commute. A propective insured that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don’t measure up to these standards will be quoted higher rates and this can result in business not being written. The ads say “drivers who switch” not “people who quote” save that much. That is how companies can make those claims.

This emphasizes why drivers should get as many quotes as possible. It’s just too difficult to predict which insurance companies will provide you with the cheapest Mitsubishi Galant insurance rates.

Car insurance coverages explained

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, a tree branch falling on your vehicle, a broken windshield and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

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

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

Collision insurance 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 your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, hitting a parking meter, hitting a mailbox, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability

Liability coverage can cover damages or injuries you inflict on other people or property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as legal defense fees, loss of income, medical expenses and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills such as ambulance fees, dental work and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Save your cold hard cash

Consumers change insurance companies for any number of reasons including not issuing a premium refund, poor customer service, high prices and policy cancellation. No matter why you want to switch, finding a great new company is easier than you think.

Lower-priced 1996 Mitsubishi Galant insurance can be sourced from both online companies and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented a lot of tips how to get a better price on insurance. It’s most important to understand that the more you quote, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies.

Helpful articles