1996 Mitsubishi Galant Insurance Cost

Locating better insurance prices for your Mitsubishi Galant can be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to find insurance online so you’re going to learn the absolute fastest way to get price quotes for a Mitsubishi and find the cheapest rates either online or from local insurance agents.

If you have a current car insurance policy or are just looking to switch companies, you can use this information to find the best rates while maximizing coverage. Shopping for the cheapest car insurance is easy if you know what you’re doing. Drivers just need to understand the proper methods to get comparison quotes over the internet.

Smart choices result in lower insurance premiums

Many factors are used when premium rates are determined. Some factors are common sense such as your driving record, although some other factors are not as apparent such as your credit history and annual miles driven.

  • Single vs. married – Your spouse helps lower the price when shopping for insurance. It means you’re more mature it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Your job is a factor – Occupations like real estate brokers, business owners and emergency personnel tend to have higher rates than average because of intense work-related stress and lots of time spent away from family. On the flip side, careers like actors, athletes and retirees receive lower rates for Galant coverage.
  • Save money by eliminating extra coverages – There are a lot of extra bells and whistles that you can get tricked into buying but may not be useful. Insurance for things like rental car coverage, death and dismemberment, and Farm Bureau memberships may be costing you every month. They may sound like good ideas at first, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Liability coverage is peace of mind – A critical coverage on your policy, liability insurance will protect you if ever you are found to be at fault for damages caused by your negligence. It will provide legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to comp and collision, so drivers should carry high limits.
  • Driver age impacts rates – More experienced drivers are viewed as being more responsible, cause fewer claims and accidents , and usually have better credit.Inexperience drivers tend to get distracted easily in a vehicle so they pay higher insurance rates.
  • Safer vehicles save money – Cars with five star safety ratings cost less to insure. Safer cars result in less severe injuries and lower injury rates translates directly to fewer claims passed on to you as lower rates. If the Mitsubishi Galant is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Know your credit history – Your credit rating factor in determining what you pay for insurance. Consumers who have high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit. Therefore, if your credit can be improved, you may save money insuring your 1996 Mitsubishi Galant if you clean up your credit.

The cheapest auto insurance

Lowering your 1996 Mitsubishi Galant auto insurance rates is a fairly straight forward process. The only requirement is to spend a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

  • One of the fastest ways consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This style of form keeps you from doing repetitive form entry for every company. Filling out one form compares rates from several companies. This is by far the quickest method.
  • A harder way to find lower rates is to manually visit the website of each company and complete a new quote form. For sake of this example, let’s say you want to see prices from USAA, 21st Century and Farmers. In order to compare rates, you need to spend time going to each site individually and enter your information, which is why most consumers use the first method.

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

It doesn’t matter which method you choose, just do your best to use equivalent quote data for each comparison quote. If the quotes have higher or lower deductibles you will not be able to make a fair rate comparison.

Drivers save money with with these discounts

Some insurance providers don’t necessarily list the complete list of policy discounts in an easy-to-find place, so below is a list some of the best known as well as the least known ways to save on auto insurance. If you do not check that you are getting every discount available, you may be paying too high a price.

  • Claim-Free Discount – Drivers who stay claim-free can save substantially in comparison with policyholders that have many claims.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than spreading payments over time you can avoid monthly service charges.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
  • Discount for Swiching Early – A few insurance companies allow discounts for switching to them early. You could save around 10% when you buy auto insurance online.
  • Save with More Vehicles Insured – Drivers who insure more than one vehicle on the same auto insurance policy could earn a price break for each car.
  • Accident Forgiveness – This isn’t a discount exactly, but some insurance companies allow you one accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
  • Distant Student – Any of your kids who live away from home at college without a vehicle on campus can be insured at a reduced rate.
  • Paper-free Discount – A few insurance companies give back up to $50 simply for signing on your computer.
  • Own a Home and Save – Just owning your own home can earn you a little savings since owning and maintaining a home requires personal responsibility.
  • Save with a New Car – Buying a new car model can cost up to 25% less since new model year vehicles are generally safer.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will cut the cost of coverage.

The best auto insurance companies and some of their more popular discounts are:

  • State Farm policyholders can earn discounts including accident-free, driver’s education, defensive driving training, passive restraint, student away at school, and good driver.
  • Nationwide offers premium reductions for anti-theft, easy pay, defensive driving, multi-policy, and family plan.
  • Geico has savings for multi-vehicle, air bags, membership and employees, federal employee, seat belt use, five-year accident-free, and emergency military deployment.
  • AAA has discounts for good driver, multi-car, pay-in-full, anti-theft, education and occupation, AAA membership discount, and good student.
  • 21st Century may include discounts for automatic seat belts, anti-lock brakes, driver training, defensive driver, and theft prevention.
  • The Hartford may offer discounts for anti-theft, good student, driver training, vehicle fuel type, bundle, and air bag.

It’s a good idea to ask each company to give you their best rates. Savings may not be available everywhere. To see a list of providers that have a full spectrum of discounts, follow this link.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if you would benefit from professional advice.

  • Am I better off with higher deductibles on my 1996 Mitsubishi Galant?
  • Is pleasure use cheaper than using my 1996 Mitsubishi Galant to commute?
  • Do I have coverage when making deliveries for my home business?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Where can I find DUI or SR-22 insurance?
  • Can I afford to buy a different vehicle if my 1996 Mitsubishi Galant is totaled?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Insurance coverages and their meanings

Learning about specific coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, damage from a tornado or hurricane, theft and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – This covers damage to your Galant caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, backing into a parked car, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for expenses like hospital visits, rehabilitation expenses, ambulance fees, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mitsubishi Galant.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance – This coverage can cover damage or injury you incur to people or other property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like legal defense fees, pain and suffering, structural damage and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Smart consumers save more

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

The cheapest 1996 Mitsubishi Galant insurance can be bought online and also from your neighborhood agents, so you need to shop auto insurance with both to get a complete price analysis. Some insurance companies don’t offer rates over the internet and most of the time these smaller companies only sell through independent insurance agents.

Insureds change insurance companies for a variety of reasons including poor customer service, delays in responding to claim requests, an unsatisfactory settlement offer and policy cancellation. Regardless of your reason, finding a new company is easier than you think.

Additional detailed information can be found by following these links: