2008 Mitsubishi Galant Insurance Quotes

Locating cheaper insurance for a new or used Mitsubishi Galant can turn out to be difficult, but you can use the following methods to make it easier. There is a better way to shop for insurance coverage so you’re going to learn the absolute fastest way to quote coverages on a Mitsubishi and locate the best price possible from local insurance agents and online providers.

Finding the best rates is not that difficult. If you have insurance now or are shopping for new coverage, you can use these techniques to get lower rates while maintaining coverages. Drivers just need to know the best way to compare prices over the internet.

Why your Mitsubishi Galant insurance rates may be high

An important part of buying insurance is that you know the rating factors that play a part in calculating your auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to better auto insurance rates.

  • Younger drivers pay higher rates – Youthful drivers are statistically proven to be less responsible when driving so auto insurance rates are higher. Having to add a youthful driver to your policy can be quite pricey. More mature drivers tend to be more responsible, file fewer claims and are safer drivers.
  • Pleasure use saves money – Driving more miles every year the more you will pay for auto insurance. Most insurance companies rate vehicles based on their usage. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. If your policy improperly rates your Galant can result in significantly higher rates. Double check that your auto insurance coverage is showing the proper vehicle usage, because it can save money.
  • Males pay more for insurance – Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men tend to get into accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • Multiple policies with one company can save – Many companies provide better rates to policyholders who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you may still want to compare rates to confirm you are receiving the best rates possible. You may still find a better deal by buying auto insurance from a different company.
  • Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. Safer cars reduce injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If your Mitsubishi Galant is rated 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 are probably receiving a discount.

How to save on Mitsubishi Galant insurance

Auto insurance companies don’t list every discount in an easy-to-find place, so we break down some of the best known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Own a Home – Owning a home can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying your policy over the internet.
  • Seat Belts Save – Requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Clubs and Organizations – Being a member of a civic or occupational organization could trigger savings when shopping for auto insurance for Galant insurance.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts when compared with bad drivers.

It’s important to note that most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

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

Is there truth in advertising?

Consumers can’t ignore all the ads for car insurance savings from companies such as State Farm, Allstate and Geico. All the ads have a common claim that you’ll save big after switching your policy.

How can each company make almost identical claims?

All companies are able to cherry pick for the driver that is profitable for them. For example, a desirable insured might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has a short commute. Any driver who matches those parameters gets the lowest rates and most likely will save a lot of money.

Drivers who don’t measure up to the “perfect” profile will be quoted a more expensive rate which leads to business going elsewhere. The ads state “people who switch” not “everybody who quotes” save that much money. That’s the way companies can make those claims. This emphasizes why you absolutely need to quote coverage with many companies. It’s impossible to know which auto insurance company will fit your personal profile best.

Tailor your coverage to you

When choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether your personal situation might need an agent’s assistance.

  • Which companies will insure high-risk drivers?
  • Does liability extend to a camper or trailer?
  • I have health insurance so do I need medical payments coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Will my rates increase for filing one claim?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need replacement cost coverage on my 2008 Mitsubishi Galant?
  • Do I need medical payments coverage since I have good health insurance?
  • Is business property covered if stolen from my car?
  • Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills for things like chiropractic care, prosthetic devices and hospital visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, fire damage and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2008 Mitsubishi Galant.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability auto insurance

Liability coverage protects you from damage that occurs to a person or their property. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like loss of income, pain and suffering, structural damage, funeral expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Collision insurance

Collision insurance pays for damage to your Galant resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, hitting a mailbox, rolling your car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Cheaper insurance is a realistic goal

Low-cost 2008 Mitsubishi Galant insurance can be sourced both online and with local insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

As you shop your coverage around, never reduce needed coverages to save money. In too many instances, drivers have reduced full coverage only to regret at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

We’ve covered many ideas to lower your insurance rates. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest premiums are with an unexpected company.

Additional information