View 1999 Mitsubishi Galant Car Insurance Cost

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you’re not the only one. Drivers have so many auto insurance companies to pick from, and even though it’s nice to have a selection, having more car insurance companies makes it harder to locate the cheapest rates.

It’s a good habit to check auto insurance prices periodically because insurance rates fluctuate regularly. Just because you found the lowest rates on Galant insurance two years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Finding affordable coverage is not that difficult. If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Consumers just need to understand the proper way to shop over the internet.

Compare Auto Insurance Today

Lowering your 1999 Mitsubishi Galant auto insurance rates is surprisingly easy. You just need to take the time to get quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The single most time-saving way to find low rates is a comparison rater form (click to open form in new window). This form saves time by eliminating separate quotation requests for each company you want a rate for. Completing one form gets rate comparisons from multiple companies.
  • A harder way to analyze rates consists of visiting each individual company website and complete a new quote form. For examples sake, let’s say you want to compare rates from Auto-Owners, Esurance and Geico. To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  • The hardest method to compare rates is driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you require the professional advice that only a license agent can provide. You can, however, find lower rates online and get advice from an agent in your area and we’ll talk about that later.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverage information with every price quote. If your comparisons have different deductibles it will be very difficult to decipher which rate is best.

Pay less for Mitsubishi Galant insurance

Car insurance companies do not advertise every available discount very well, so the following is a list of both the well known as well as the least known discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Defensive Driving Course – Taking a driver safety course could save 5% or more if your company offers it.
  • No Charge for an Accident – Certain companies permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Own a Home – Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Save with a New Car – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Galant insurance than drivers with accidents.
  • Paperwork-free – Some insurance companies give back up to $50 for buying your policy digitally online.

A little note about advertised discounts, many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, companies don’t profit that way.

For a list of companies with discount car insurance rates, click this link.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions might point out if your situation could use an agent’s help.

  • What can I do if my company denied a claim?
  • Where can I get insurance after a DUI in my state?
  • Why am I required to buy liability insurance?
  • Do all my vehicles need collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Factors that can influence Mitsubishi Galant insurance rates

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for car insurance. Understanding what controls the rates you pay enables informed choices that may reward you with better car insurance rates.

  • Your car’s features help determine rates – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
  • Do you qualify for a multi-policy discount? – The majority of insurance companies will award you with lower prices to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even if you’re getting this discount it’s in your best interest to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by insuring with multiple companies.
  • Don’t skimp on liability – The liability section of your policy is the protection if ever a court rules you are at fault for damages caused by your negligence. Liability provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Your location is important – Living in a rural area is a positive aspect when buying car insurance. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Urban drivers tend to have more traffic problems and a longer drive to work. Longer commute distances means more change of being in an accident.
  • Do you work long hours in a high stress job? – Jobs such as doctors, social workers and stock brokers have the highest rates due to stressful work requirements and long work hours. On the other hand, occupations like scientists, students and the unemployed get better rates on Galant insurance.
  • Clean credit earns discounts – A driver’s credit score is a big factor in your rate calculation. So if your credit score is lower than you’d like, you could be paying less to insure your 1999 Mitsubishi Galant by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit.
  • What are your deductibles? – Physical damage deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. The more you are required to pay out-of-pocket, the lower your rates will be on Galant insurance.

Insurance policy coverages for a 1999 Mitsubishi Galant

Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mitsubishi Galant.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, fire damage, a tree branch falling on your vehicle, a broken windshield and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability

Liability insurance can cover injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims such as medical expenses, legal defense fees, court costs and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision coverage protection

This will pay to fix damage to your Galant resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, crashing into a building, driving through your garage door, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills for X-ray expenses, dental work, rehabilitation expenses, doctor visits and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

More quotes mean more savings

Cheaper 1999 Mitsubishi Galant insurance can be bought both online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

While you’re price shopping online, never skimp on coverage in order to save money. In too many instances, an insured cut full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at a price you can afford while still protecting your assets.

More tips and info about car insurance is available at these sites: