2008 Mitsubishi Galant Insurance Cost – 9 Tips for Best Prices

Searching for the cheapest insurance rates for your Mitsubishi Galant? Sick and tired of not being able to afford to buy car insurance? Your situation is no different than many other drivers.

Insurance companies such as State Farm, Progressive and GEICO continually bombard you with ad campaigns and it can be hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s important to compare prices every six months because prices change quite often. Despite the fact that you may have had the best rates for Galant insurance two years ago there may be better deals available now. Starting right now, forget anything you know (or think you know) about insurance because you’re going to get a crash course in one of the easiest ways to find better rates and still maintain coverage.

If you have car insurance now, you stand a good chance to be able to save some money using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. Although consumers do need to know how companies market insurance on the web and use this information to your advantage.

The quickest way to compare car insurance rates is to realize car insurance companies participate in online systems to give free rates quotes. All you need to do is provide a small amount of information like whether you are married, if the vehicle is leased, how many miles driven, and if a SR-22 is needed. The data is instantly sent to insurance carriers in your area and they provide comparison quotes instantly to find the best rate.

Discounts mean cheaper 2008 Mitsubishi Galant insurance rates

Auto insurance companies don’t always advertise all available discounts in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving.

  • Military Discounts – Having a family member in the military can result in better rates.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Low Mileage – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Driver Safety – Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get better insurance coverage rates for Galant insurance.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, insurance coverage companies aren’t that generous.

Car insurance companies that possibly offer some of the above discounts include:

Double check with all companies you are considering how you can save money. All car insurance discounts might not be offered in your state.

Tailor your coverage to you

When buying adequate coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help you determine if you could use an agent’s help.

  • Am I covered when driving a rental car?
  • I don’t drive much so do I pay less?
  • At what point should I drop full coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Does insurance cover damages from a DUI accident?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will my insurance pay for OEM parts?
  • Am I covered if my car is in a flood?
  • Am I covered when driving in Canada or Mexico?
  • Who is covered by my policy?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Progressive, Allstate and GEICO consistently run ads on TV and radio. All the companies make an identical promise about savings if you change to their company. How can each company claim to save you money?

All companies have a preferred profile for the right customer they prefer to insure. For instance, a profitable customer might be profiled as over the age of 40, insures multiple vehicles, and drives newer vehicles. A customer that hits that “sweet spot” will get very good rates and therefore will save when switching.

Consumers who are not a match for the requirements will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can confidently make the claims of big savings. That is why it is so important to get as many quotes as possible. It’s just too difficult to predict which company will provide you with the cheapest Mitsubishi Galant insurance rates.

Insurance policy coverages for a Mitsubishi Galant

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Mitsubishi Galant.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance

This coverage will cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like attorney fees, loss of income, court costs and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from getting keyed and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for doctor visits, nursing services and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This pays for damage to your Galant caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Save for a rainy day

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability limits or collision coverage to discover at claim time that it was a big error on their part. Your goal should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

In this article, we covered many ways to save on 2008 Mitsubishi Galant insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may even discover the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. Regional companies may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

Much more information about insurance coverage can be read below: