Lower Your 1999 Mitsubishi 3000GT Car Insurance Rates

Trying to find the cheapest auto insurance rates for your Mitsubishi 3000GT? Are you sick and tired of robbing Peter to pay Paul to insure your Mitsubishi every month? You are no different than the majority of other car owners. Companies like State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and it can be hard to see through the deception and effectively compare rates to find the best deal.

How to Compare Auto Insurance Costs

There are several ways you can shop for Mitsubishi 3000GT auto insurance and some are more efficient than others. You can waste hours talking about coverages with insurance companies in your area, or you can utilize the web to get prices fast.

Most of the best insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and every company can give them a price based on the submitted data. This system prevents you from having to do form submissions to every company.

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

The one disadvantage to pricing coverage this way is you cannot specify the providers you want to price. So if you prefer to pick individual companies to compare prices, we put together a list of auto insurance companies in your area. Click to view list.

However you get your quotes, double check that you are using identical coverages and limits on every quote. If each company quotes different limits and deductibles on each one it’s impossible to make an equal comparison.

The fine print in car insurance ads

Drivers get pounded daily by advertisements for car insurance savings by State Farm and Allstate. All the companies say the same thing that you’ll save big if you change to their company.

How do they all say the same thing? This is how they do it.

Different companies have a certain “appetite” for the type of driver that makes them money. A good example of a driver they prefer might be profiled as between 30 and 50, insures multiple vehicles, and chooses high deductibles. A propective insured who meets those qualifications receives the best rates and therefore will cut their rates substantially.

Consumers who don’t qualify for this ideal profile must pay a more expensive rate which usually ends up with business going elsewhere. The ads state “customers who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully make the claims of big savings.

This illustrates why you should quote coverage with many companies. Because you never know the company that will have the lowest Mitsubishi 3000GT insurance rates.

Discounts to lower 1999 Mitsubishi 3000GT insurance rates

Insuring your vehicles can cost a lot, but companies offer discounts to reduce the price significantly. Most are applied when you purchase, but a few must be manually applied before they will apply. If they aren’t giving you every credit available, you are throwing money away.

  • Claim Free – Good drivers with no accidents pay much less compared to accident-prone drivers.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Early Signing – Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.
  • Accident Forgiveness – Certain companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.
  • College Student – Children who live away from home and do not have a car can be insured at a reduced rate.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on 3000GT insurance than drivers with accidents.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.

Keep in mind that most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But all discounts will help reduce your premiums.

Car insurance companies that may have these discounts include:

Double check with each company what discounts are available to you. Savings may not be available everywhere.

Tailor your coverage to you

When choosing coverage, there really is not a perfect coverage plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Is my teen driver covered when they drive my company car?
  • Should I waive the damage coverage when renting a car?
  • How can I find cheaper teen driver insurance?
  • What is no-fault insurance?

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, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverages for a 1999 Mitsubishi 3000GT

Learning about specific coverages of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages available from car insurance companies.

Liability coverages – This protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as repair costs for stationary objects, funeral expenses, medical expenses, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses for doctor visits, nursing services, hospital visits, surgery and dental work. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages – This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, hitting a bird, damage from a tornado or hurricane and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mitsubishi 3000GT.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage – This covers damage to your 3000GT caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

A penny saved is a penny earned

Cheap 1999 Mitsubishi 3000GT insurance is available both online and also from your neighborhood agents, and you should be comparing both to have the best selection. A few companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

We’ve covered many tips how you can compare insurance prices online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with a small mutual company. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

More information is located at the links below