1992 Mitsubishi Galant Insurance Rates – 9 Tips to Save

Car insurance shoppers not familiar with comparing insurance quotes on the web may find buying inexpensive auto insurance is very challenging.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you will be able to lower your premiums substantially using these methods. But car owners need to learn the way companies price online insurance.

Compare car insurance rates

There are multiple methods to shop for car insurance, but one way is less labor-intensive and much quicker. You could waste a few hours driving to agents in your area, or you can stay home and use online quoting to achieve your goal.

Most car insurance companies belong to an insurance system that enables customers to submit one quote, and every company then gives them pricing for coverage. This eliminates the need for form submissions for each company you want a rate for. To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to using this type of form is buyers cannot specifically choose which providers to get pricing from. So if you prefer to choose specific providers to compare, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Compare rates however you want, just ensure you’re using identical quote information for every quote you compare. If you compare different deductibles you will not be able to get a fair rate comparison. Slightly different coverages may cause a big price difference. And when price shopping your coverage, comparing all the rates in your area will enable you to find the best price.

Lower rate quotes with these nine discounts

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that may help make it more affordable. Some discounts apply automatically at the time you complete a quote, but some discounts are required to be specifically requested before you get the savings. If you are not receiving all the discounts you deserve, you could be paying more than you need to.

Discount for Good Grades – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
Seat Belt Discounts – Requiring all passengers to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
Accident Waiver – Not really a discount, but companies like Allstate, State Farm and Geico will turn a blind eye to one accident before your rates go up if you are claim-free for a set time period.
Braking Control Discount – Cars that have steering control and anti-lock brakes have fewer accidents and earn discounts up to 10%.
Drive Safe and Save – Insureds who avoid accidents may save up to 50% more for Galant insurance than drivers with accidents.
Pay Upfront and Save – By making one initial payment as opposed to paying monthly you could save up to 5%.
Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Telematics Devices – Insureds that choose to allow companies to scrutinize vehicle usage by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they are good drivers.
Defensive Driver Discount – Taking a defensive driver course may get you a small discount if your company offers it.

As a sidenote, some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it appears you could get a free insurance coverage policy, it doesn’t quite work that way.

A partial list of companies that may offer policyholders many of the previously listed discounts include:

Before buying, ask each insurance company the best way to save money. Some discounts listed above might not be offered on policies in every state. To see insurers that have a full spectrum of discounts, click this link.

Car insurance can be complex

When it comes to choosing the best car insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

How do I insure my teen driver?
Is my ex-spouse still covered by my policy?
Will I be non-renewed for getting a DUI or other conviction?
Should I carry comprehensive and collision coverage?
If my pet gets injured in an accident are they covered?
Do I have coverage when using my vehicle for my home business?
Is other people’s property covered if stolen from my vehicle?
Is motorclub coverage worth it?
Is my state a no-fault state?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Specifics of your insurance policy

Knowing the specifics of insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability auto insurance

This can cover injuries or damage you cause to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

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 values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as medical services, repair bills for other people’s vehicles, structural damage and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for ambulance fees, rehabilitation expenses and pain medications. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP 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 not an option in every state and may carry a deductible

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, damage from flooding, hitting a bird, damage from a tornado or hurricane and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Mitsubishi Galant.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision coverage pays for damage to your Galant caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car, hitting a mailbox, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.