1998 Mitsubishi 3000GT Insurance Quotes – 8 Ideas for Best Rates

Looking for lower car insurance rates for your Mitsubishi 3000GT? Are you a victim of overpriced car insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Popular companies such as State Farm, Allstate, Geico and Progressive increase brand awareness with catchy ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

Consumers need to price shop coverage once or twice a year because insurance rates trend upward over time. If you had the lowest price for 3000GT coverage a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to learn the only way to save money, get proper deductibles and limits, all at the lowest rate.

Are you getting all your discounts?

Car insurance companies don’t list all available discounts in an easy-to-find place, so we took the time to find some of the best known as well as the least known discounts you could be receiving. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can get savings of more than 20%.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for 3000GT coverage than less cautious drivers.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
  • College Student – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts they offer. Savings might not apply everywhere.

Compare the Market for Insurance Coverage

There are a variety of methods to compare 1998 Mitsubishi 3000GT insurance coverage quotes, but there is one way that is easier and takes less work. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

All the larger companies take part in a program where prospective buyers submit their information once, and every company can give them a price based on that information. This prevents consumers from doing quotation requests for each company.

To use this form to compare 1998 Mitsubishi 3000GT insurance rates click here (opens in new window).

The one downside to comparing rates this way is you can’t choose which companies to receive prices from. If you prefer to choose specific providers to compare prices, we have a page of low cost insurance coverage companies in your area. Click here to view list.

Whichever way you use, ensure you are comparing the exact same coverage limits for every company. If your comparisons have different deductibles it will be impossible to determine which rate is truly the best.

Tailor your coverage to you

When it comes to buying coverage, there really is not a “perfect” insurance plan. Every situation is different so your insurance should reflect that For instance, these questions might help in determining whether you would benefit from professional advice.

  • Are my friends covered when driving my 1998 Mitsubishi 3000GT?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need replacement cost coverage on my 1998 Mitsubishi 3000GT?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage options for a 1998 Mitsubishi 3000GT

Knowing the specifics of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like doctor visits, dental work, EMT expenses, nursing services and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Mitsubishi 3000GT.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability insurance

This can cover damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

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

Liability coverage protects against things like court costs, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a deer, damage from a tornado or hurricane and theft. The most your auto insurance company will pay 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.

Collision insurance

This pays for damage to your 3000GT resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, sustaining damage from a pot hole, rolling your car and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Compare but don’t skimp

We’ve covered many ideas to compare 1998 Mitsubishi 3000GT insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with a small mutual company. Regional companies can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped collision coverage only to find out they didn’t purchase enough coverage. Your focus should be to buy enough coverage for the lowest price, not the least amount of coverage.

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