1998 Mitsubishi 3000GT Insurance Quotes – 9 Savings Tips

Trying to find better insurance coverage rates for your Mitsubishi 3000GT? Expensive insurance coverage can deplete your monthly budget and make it hard to pay other bills. Comparing rate quotes can help to make sure you’re not throwing money away.

Companies like Progressive, Geico and Farmers Insurance constantly blast consumers with ads and it is difficult to see past the corporate glitz and effectively compare rates to find the best deal.

How to compare insurance coverage rate quotes

There are a lot of ways to compare insurance coverage prices and some are more efficient than others. You can spend your afternoon driving to insurance agencies in your area, or you could use the web to get prices fast.

All the larger companies belong to a marketplace that allows shoppers to enter their policy data once, and each participating company returns a rated price based on that data. This saves time by eliminating quote requests for each company.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to using this type of form is that consumers can’t choose the insurers to get pricing from. If you wish to select individual companies to compare prices, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just be sure to compare the exact same coverage data for every quote you compare. If you compare different liability limits it will be nearly impossible to make a fair comparison for your Mitsubishi 3000GT. Slightly different insurance coverages could throw off the whole comparison. And when price shopping your coverage, more quotes increases your odds of finding better pricing. Some smaller insurers to not give online rate quotes, so it’s important to compare prices from those companies as well.

Car insurance discounts are available to lower your rates

Car insurance companies don’t always list all disounts in an easy-to-find place, so the below list has a few of the more common and also the more inconspicuous discounts that may be available.

  • E-sign – Some of the larger companies give back up to $50 just for signing your application over the internet.
  • Memberships – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount when getting a car insurance quote.
  • Discounts for Government Workers – Being employed by or retired from a federal job can earn a discount up to 10% for 3000GT coverage with select insurance companies.
  • Discounts for Good Drivers – Drivers who avoid accidents may receive a discount up to 45% for 3000GT coverage as compared to drivers with claims.
  • Distant Student Discount – Youth drivers who live away from home to go to college without a vehicle on campus could get you a discount.
  • Early Payment Discounts – By making one initial payment rather than paying monthly you can actually save on your bill.
  • Fewer Miles Equal More Savings – Driving fewer miles may enable drivers to earn substantially lower rates.
  • Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course in school.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and qualify for as much as a 10% discount.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Large car insurance companies and some of the discounts are outlined below.

  • Geico may offer discounts for defensive driver, seat belt use, multi-policy, anti-theft, and daytime running lights.
  • Travelers has savings for good student, continuous insurance, student away at school, new car, driver training, and early quote.
  • Nationwide discounts include Farm Bureau membership, family plan, anti-theft, multi-policy, and good student.
  • Farmers Insurance offers discounts for homeowner, mature driver, pay in full, good student, youthful driver, bundle discounts, and alternative fuel.
  • Esurance may have discounts that include emergency road assistance, online quote, renters, good student, paid-in-full, anti-theft, and Switch & Save.
  • State Farm includes discounts for good driver, multiple policy, multiple autos, passive restraint, accident-free, student away at school, and good student.
  • Progressive may include discounts for multi-policy, online quote discount, online signing, continuous coverage, multi-vehicle, and homeowner.
  • Mercury Insurance policyholders can earn discounts including multi-policy, professional/association, age of vehicle, good student, ease of repair, and accident-free.

When quoting, ask each company which credits you are entitled to. Some discounts may not be offered in your area. If you would like to view providers that have a full spectrum of discounts, click here.

Everyone needs different insurance coverage coverages

When it comes to choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you might need an agent’s assistance.

  • Why do I only qualify for high-risk insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should I buy a commercial auto policy?
  • Is my custom paint covered by insurance?
  • If my 1998 Mitsubishi 3000GT is totaled, can I afford another vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance companies are expert advertisers

Auto insurance companies such as Progressive, Geico, Allstate and State Farm regularly use television, radio, and online ads. They all seem to say the same thing that drivers can save some big amount if you move your auto insurance policy to them. How does every company say the same thing? This is how they do it.

All companies have strict underwriting profiles for the type of customer that earns them a profit. A good example of a driver they prefer might be described as a mature driver, carries high limits, and chooses high deductibles. A customer who matches that profile will qualify for the lowest car insurance rates as well as save when switching.

Drivers who are not a match for the “perfect” profile will be charged a higher premium and the customer not purchasing. Company advertisements say “drivers who switch” but not “everyone who gets a quote” save money. That is how companies can truthfully state the savings.

This really emphasizes why drivers should get car insurance quotes from several different companies. It is impossible to guess which company will have the best car insurance rates for your profile.

Auto insurance coverage information

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, falling objects and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses like nursing services, rehabilitation expenses, funeral costs, ambulance fees and doctor visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, rolling your car, sideswiping another vehicle, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 1998 Mitsubishi 3000GT.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Auto liability

This will cover damages or injuries you inflict on a person or their property. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, repair bills for other people’s vehicles, attorney fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Summing up your insurance coverage search

More affordable insurance coverage is attainable online and from local insurance agents, and you need to price shop both to have the best selection. Some insurance coverage companies don’t offer price quotes online and these regional carriers prefer to sell through independent agents.

We covered many tips how you can compare 1998 Mitsubishi 3000GT insurance premium rates online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheaper car insurance. You may be surprised to find that the lowest premium rates are with a small local company. Regional companies often have lower prices on specific markets as compared to the big name companies such as Allstate and Progressive.

Much more information about insurance coverage can be found on the following sites: