Lower Your 2006 Mitsubishi Galant Car Insurance Quotes

Using the web to shop for insurance is challenging if you are a beginner to online quoting. Don’t let that stop you because it’s actually quite easy.

Lower rates by qualifying for discounts

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden savings tricks you should be using.

  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Homeowners Savings – Being a homeowner can help you save on insurance coverage because maintaining a house demonstrates responsibility.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Distant Student – Any of your kids who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may earn at least 10% off all policies.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you could get a free insurance coverage policy, you’re out of luck.

To see a list of providers who offer insurance coverage discounts, click here.

Quick Car Insurance Quotes

Shopping for lower car insurance rates is a ton of work if you don’t understand the best way to get rate quotes. You can waste hours driving to agents in your area, or you could use the internet to achieve your goal.

Many insurance companies enroll in a system that enables customers to complete one form, and each company then returns a price quote for coverage. This prevents consumers from doing quote forms for each company.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to comparing rates this way is that consumers can’t choose the insurers you want to price. If you would rather choose specific providers to request quotes from, we have a listing of companies who write car insurance in your area. View list of insurance companies.

It’s up to you which method you use, but ensure you’re using exactly the same coverages for every quote you compare. If each company quotes mixed coverages it will be next to impossible to determine the lowest rate for your Mitsubishi Galant. Just a small difference in coverage limits could mean much higher rates. Just keep in mind that getting more free quotes provides better odds of finding the best rates.

Factors that can influence insurance rates for a Mitsubishi Galant

Smart consumers have a good feel for some of the elements that play a part in calculating your insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that will entitle you to lower insurance prices.

  • Claim-free discounts can add up – Car insurance companies give better rates to insureds who do not file claims often. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Car features impact rates – Choosing a vehicle with an alarm system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • One company can mean more discounts – Many insurance companies provide better rates to policyholders who buy several policies from them in the form of a multi-policy discount. Even with this discount, you may still want to comparison shop to confirm you are receiving the best rates possible.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Mitsubishi Galant earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Where do you drive? – The more you drive in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers apply a rate determined by how the vehicle is used. Autos left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your insurance policy is rated on the correct driver usage. Incorrect usage on your Galant may be wasting your money.
  • Your spouse saves you money – Having a wife or husband actually saves money when buying insurance. Having a spouse translates into being more mature and responsible and statistics show married drivers get in fewer accidents.

Car insurance is unique, just like you

When buying the best car insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

  • Why am I required to buy high-risk coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my personal policy cover me when driving out-of-state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I get a multi-policy discount?
  • Should I rate my 2006 Mitsubishi Galant as pleasure use or commute?
  • Can I rate high risk drivers on liability-only vehicles?
  • How much liability coverage do I need in my state?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mitsubishi Galant.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision insurance

Collision coverage will pay to fix damage to your Galant from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, crashing into a building, backing into a parked car, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive auto insurance

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hitting a bird, hitting a deer and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims. It does not 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. Your policy might show policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as pain and suffering, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like doctor visits, chiropractic care, dental work and EMT expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Quote often and quote early

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. There have been many cases where an insured cut collision coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest price.

Drivers who switch companies do it for any number of reasons including delays in paying claims, high prices, lack of trust in their agent and even questionable increases in premium. It doesn’t matter why you want to switch switching companies can be less work than you think.

Low-cost 2006 Mitsubishi Galant insurance can be bought from both online companies and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

More information can be read at the links below