Searching for low-cost insurance for a new or used Mitsubishi Galant can normally be difficult, but you can follow the following methods to save time.
There is a right way and a wrong way to buy car insurance so we’re going to tell you the best way to compare rates on a Mitsubishi and locate the lowest price.
Shopping for cheaper car insurance is not that difficult. Basically, everyone who is shopping for car insurance stands a good chance to be able to find lower rates. But vehicle owners must comprehend how the larger insurance companies sell insurance online because it can help you find the best coverage.
Compare Car Insurance Costs
Comparing car insurance rates can be a daunting task if you don’t know the best way to get rate quotes. You can waste a lot of time driving to local insurance agents in your area, or you can stay home and use online quotes to get pricing more quickly.
Most car insurance companies belong to a marketplace where insurance shoppers submit one quote, and each participating company returns a rated price. This eliminates the need for quote forms for each company.
To compare pricing click here to start a free quote.
The single downside to getting quotes like this is that consumers can’t choose which insurance companies to get quotes from. If you prefer to choose specific providers to compare, we have assembled a list of companies who write car insurance in your area. Click to view list.
Which method you use is up to you, but ensure you’re using the exact same quote information with each company. If you have different limits and deductibles on each one it will be next to impossible to make a fair comparison for your Mitsubishi Galant. Just a small difference in coverage limits may result in a large different in cost. And when quoting car insurance, remember that comparing a large number of companies provides better odds of finding the best price.
How much can you save with discounts?
The price of auto insurance can be rather high, buy you may qualify for discounts to help bring down the price. A few discounts will automatically apply when you get a quote, but less common discounts must be asked about before you get the savings.
- Organization Discounts – Participating in a qualifying organization may earn a discount on car insurance on Galant insurance.
- Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
- Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
- Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
- Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
- Distant Student – Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
- E-sign – Certain companies may give you up to $50 simply for signing on their website.
- Passive Restraints – Factory air bags or motorized seat belts can get savings of 20% or more.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
- More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.
A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce your premiums.
For a list of insurers who offer car insurance discounts, follow this link.
What happened to insurance agents?
A small number of people just want to visit with an insurance agent and that is just fine! One of the best bonuses of getting online price quotes is that you can obtain lower rates and still choose a local agent. Supporting local businesses is important especially in smaller communities.
For easy comparison, once you complete this simple form, the quote information is transmitted to companies who will battle for your coverage. There is no reason to leave your computer as quotes are delivered to your email. It doesn’t get any easier! You’ll get the best rates and a licensed agent to work with.
If you want to select a specific agent in your state, click here.
Picking an insurer requires more thought than just the price. Any agent should be forthright in answering these questions:
- Does the agency have a good rating with the Better Business Bureau?
- What will you get paid if your car is a total loss? How is that amount determined?
- Can glass repairs be made at your home?
- Is their price quote a firm figure or are their hidden costs?
- Which company do they place the most coverage with?
- How are claims handled?
- Is the agent and/or agency licensed to do business in your state?
- How many years of experience in personal lines insurance coverages do they have?
Upon getting satisfactory answers and a low price estimate, you’ve probably found a company that meets your needs to service your policy.
Situations that might require an agent
When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Each situation is unique.
Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.
- Do I need PIP (personal injury protection) coverage in my state?
- What vehicles should carry emergency assistance coverage?
- Is my Mitsubishi Galant covered for smoke damage?
- Does my car insurance cover rental cars?
- Does my Mitsubishi Galant need full coverage?
- Is my babysitter covered when using my vehicle?
- What are no-fault laws?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.
Lesser-known factors impacting Mitsubishi Galant insurance rates
It’s important that you understand the factors that play a part in calculating your car insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in big savings.
- No coverage gaps is important – Allowing your coverage to lapse is a quick way to pay more for car insurance. Not only will rates go up, but not being able to provide proof of insurance might get you a revoked license or a big fine.
- Policy add-ons can waste money – There are a lot of extra bells and whistles that you can buy when buying car insurance. Coverages like rental car reimbursement, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment at first, but now you might not need them so get rid of them and save.
- Battle of the sexes – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Women and men tend to get into accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like reckless driving and DUI.
- Being married is a good thing – Getting married helps lower the price on your policy. It means you’re more mature and responsible and it’s proven that being married results in fewer claims.
Can you really save $434 a year?
Car insurance companies such as 21st Century, Allstate and State Farm consistently run ads in print and on television. They all seem to say the same thing about savings if you change your policy. How can each company make the same claim?
All the different companies have a certain “appetite” for the right customer that makes them money. For instance, a driver they prefer might be profiled as between the ages of 40 and 55, a clean driving record, and drives less than 10,000 miles a year. A customer who matches those parameters gets the lowest rates and is almost guaranteed to cut their rates substantially.
Potential customers who don’t qualify for the requirements must pay higher rates and this can result in business going elsewhere. The ads state “drivers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently claim big savings.
This illustrates why it is so important to compare as many rates as you can. It’s impossible to know which car insurance company will provide you with the cheapest rates.
More effort can pay off
Insureds change insurance companies for a variety of reasons including unfair underwriting practices, being labeled a high risk driver, policy cancellation and not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.
As you restructure your insurance plan, you should never reduce needed coverages to save money. There are many occasions where someone sacrificed liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage for the lowest price, not the least amount of coverage.
You just read many ideas to lower your Mitsubishi Galant insurance rates. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even discover the most savings is with the least-expected company.
