Cheaper 2001 Mitsubishi Galant Insurance Quotes

Looking for better car insurance rates for your Mitsubishi Galant? Having to pay for overpriced car insurance can overdraw your personal savings and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to slash your bill and have more diposable income.

Online insurance companies like GEICO, Farmers Insurance and State Farm continually hit you with TV and radio ads and it can be hard to sift through the bull and find the best price available.

It is always a good idea to take a look at other company’s rates quite often because insurance rates are usually higher with each renewal. Just because you had the best deal on Galant insurance last year a different company probably has better rates today. So just ignore everything you know about car insurance because it’s time to teach you one of the easiest ways to remove unneeded coverages and save money.

Comparison of Insurance

There are several ways to compare Mitsubishi Galant insurance quotes, but some are more efficient than others. You can spend your afternoon talking to local insurance agents in your area, or you could use the internet to achieve your goal.

Most car insurance companies participate in an industry program where insurance shoppers enter their policy data once, and each participating company can provide price quotes based on that information. This eliminates the need for form submissions for every insurance company. To find out how much you can save on insurance click here to start a free quote.

One minor caviat to getting quotes like this is that you can’t choose the insurers to get pricing from. If you wish to select specific insurance companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare identical coverage limits on every quote. If you are comparing different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate. Slightly different insurance coverages could mean much higher rates. And when comparison shopping, having more price comparisons will increase your chances of finding the best offered rates.

Discounts can save BIG

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be asked about in order for you to get them.

  • Accident Waiver – Certain companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Homeowners Savings – Simply owning a home may trigger a insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Claim Free – Drivers with accident-free driving histories pay less compared to frequent claim filers.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Galant insurance than less cautious drivers.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will cut your premiums.

A partial list of companies that may offer these discounts are:

Before buying, ask each insurance company which discounts you may be entitled to. Some discounts might not apply in your state.

Will just any policy work for me?

When it comes to choosing coverage, there is no best way to insure your cars. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine if your situation will benefit from professional help.

  • What if I owe more than I can insure my car for?
  • Is pleasure use cheaper than using my 2001 Mitsubishi Galant to commute?
  • Am I covered by my spouse’s policy after a separation?
  • Who is covered by my policy?
  • What is an SR-22 filing?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Factors that might impact rates for a Mitsubishi Galant

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that can help you get better insurance rates.

The following are some of the factors that factor into your rates.

  • Lower miles equals lower premium – Driving more miles in a year’s time the more you will pay for insurance. Most companies price each vehicle’s coverage determined by how the vehicle is used. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your Galant can cost quite a bit. Verify your insurance coverage properly reflects the proper vehicle usage.
  • Traffic citations inflate rates – Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Only having one moving violation may increase your cost twenty percent or more. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Occupation reflects on rates – Jobs such as real estate brokers, business owners and financial analysts have higher average rates because of high stress and long work days. Conversely, jobs such as farmers, engineers and the unemployed get better rates on Galant insurance.
  • Don’t skimp on liability – Liability insurance provides coverage if you are found liable for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.

Switch companies and save? Really?

Insurance companies such as Allstate and Progressive consistently run ads on television and other media. They all seem to say the same thing that you can save if you change to them. How do they all make almost identical claims?

All the different companies are able to cherry pick for the driver they prefer to insure. A good example of a driver they prefer might be profiled as a mature driver, has no prior claims, and has a short commute. A customer getting a price quote who matches those parameters will get the preferred rates and most likely will save when switching.

Drivers who don’t measure up to the requirements will be charged a more expensive rate which usually ends up with the customer not buying. Company advertisements say “customers that switch” not “everybody who quotes” save that kind of money. That’s the way companies can advertise the savings.

That is why you should quote coverage with many companies. It’s just too difficult to predict the company that will give you the biggest savings on Mitsubishi Galant insurance.

Auto insurance 101

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mitsubishi Galant.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Collision – Collision insurance covers damage to your Galant resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive auto insurance – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, theft and rock chips in glass. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – This can cover damage that occurs to other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair bills for other people’s vehicles, legal defense fees and medical expenses. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses for ambulance fees, pain medications, prosthetic devices, rehabilitation expenses and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Final thoughts

We covered many tips how you can compare 2001 Mitsubishi Galant insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance is with a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, an insured cut comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your strategy should be to buy the best coverage you can find at an affordable rate.

Cheap insurance can be purchased on the web and with local insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Additional insurance information can be found at these links: