View 1997 Mitsubishi 3000GT Insurance Quotes

I can’t think of anyone who enjoys paying for car insurance, particularly when their premiums are too high.

There is such a variety of auto insurance companies to pick from, and though it is a good thing to have a choice, it makes it harder to adequately compare rates.

The quickest method to compare car insurance rates utilizes the fact most of the larger companies will pay a fee to provide you with a free rate quote. To get started, all you need to do is provide details including whether you are single or married, if you went to college, distance driven, and how you use your vehicles. That rating data is instantly submitted to many of the top insurers and you will get price comparisons instantly.

To compare rates now, click here and enter the information requested.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be asked for in order for you to get them.

• Auto/Life Discount – Some companies give lower rates if you buy life insurance.
• Distant Student – Youth drivers who are attending college and don’t have a car can be insured at a reduced rate.
• Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
• Defensive Driving Course – Taking a defensive driving course could cut 5% off your bill if you qualify.
• Sign Early and Save – Select companies give a discount for switching to them before your current expiration date. It can save you around 10%.
• Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save 5% or more.

Drivers should understand that most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will bring down the amount you have to pay.

For a list of companies who offer insurance coverage discounts, click here.

When might I need an agent?

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out if you might need professional guidance.

• Do I really need UM/UIM coverage?
• What is UM/UIM insurance?
• Are rock chip repairs covered?
• Should I buy full coverage?
• Is extra glass coverage worth it?
• Am I covered when driving a rental car?
• Am I covered if I break a side mirror?
• How do I file an SR-22 for a DUI in my state?
• Does car insurance cover theft of personal property?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Educate yourself about car insurance coverages

Knowing the specifics of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement. These are typical coverages found on the average car insurance policy.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses for things like pain medications, rehabilitation expenses and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays for damage to your 3000GT resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, hail damage, a tree branch falling on your vehicle and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance

Liability insurance protects you from damage that occurs to other’s property or people. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like repair costs for stationary objects, structural damage, loss of income and medical services. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.