Save on 1995 Mitsubishi 3000GT Insurance Quotes

Trying to find cheaper car insurance rates for your Mitsubishi 3000GT? I can’t think of a single person who likes having to buy car insurance, especially knowing their premiums are too high.

Big-name insurance companies like Progressive, GEICO and Farmers Insurance all claim big savings with TV and radio ads and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

How to Compare Car Insurance

Comparing car insurance rates can be a daunting task if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can utilize the web to get the quickest rates.

Many companies enroll in a system where insurance shoppers submit one quote, and every company then returns a price quote for coverage. This prevents consumers from doing quotation requests for each company you want a rate for.

To compare 1995 Mitsubishi 3000GT rates now click here to start a free quote.

One minor caviat to using this type of system is you are unable to specify which companies you will receive quotes from. So if you prefer to choose individual companies for rate comparison, we have a page of car insurance companies in your area. View list of insurance companies.

However you get your quotes, ensure you’re using identical coverage information on every quote. If the quotes have different liability limits then you won’t be able to make a fair comparison for your Mitsubishi 3000GT. Slightly different insurance coverages can mean a large discrepancy in price. It’s important to know that obtaining a wide range of quotes provides better odds of finding the best rates.

Discounts are great for lower rates

Companies offering auto insurance do not list all available discounts in a way that’s easy to find, so the following is a list of some of the best known as well as the least known insurance savings.

Club Memberships – Participating in certain professional organizations could qualify you for a break on your policy for 3000GT coverage.
Safety Course Discount – Taking part in a course teaching defensive driving skills could save 5% or more if your company offers it.
Early Signing – A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.
Student Driver Training – Have your child enroll in driver’s education if it’s offered in school.
Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.

It’s important to understand that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

For a list of providers who offer insurance discounts, click here to view.

You may need specialized coverage

When buying the best auto insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

Do I need replacement cost coverage?
Should I file a claim if it’s only slightly more than my deductible?
Can I get a multi-policy discount?
How much liability do I need to cover my assets?
Am I missing any policy discounts?
What if I don’t agree with a claim settlement offer?
Is my cargo covered for damage or theft?
How do I insure my teen driver?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

What insurance coverages do you need?

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, hitting a deer, hitting a bird, hail damage and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Mitsubishi 3000GT.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability insurance

This provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, loss of income and funeral expenses. How much coverage you buy is a personal decision, but buy as much as you can afford.

Coverage for collisions

This coverage pays for damage to your 3000GT resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, hitting a mailbox, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like chiropractic care, X-ray expenses, pain medications and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage