How Much Does 1995 Mitsubishi 3000GT Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 2, 2022

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Trying to find lower car insurance rates for your Mitsubishi 3000GT? Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, you’re not alone. There is such a variety of insurance companies to pick from, and although it’s nice to have a selection, too many choices makes it more difficult to find the lowest cost provider.

Finding the best rates is easy if you know what you’re doing. If you are insured now or need a new policy, you can use these tips to reduce the price you pay and possibly find even better coverage. Consumers only need an understanding of the tricks to compare prices online.

Insurance Coverage Prices Online

Reducing your 1995 Mitsubishi 3000GT insurance rates isn’t really that difficult. Just spend a few minutes comparing rates provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

The fastest way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do separate quotation requests to each individual insurance coverage company. One quote request will get you price quotes from several companies.

A more time consuming way to compare prices consists of visiting each individual company website and fill out their own quote form. For sake of this example, we’ll assume you want to compare rates from Auto-Owners, Farmers and GEICO. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The hardest way of comparing rate quotes is to drive around to local insurance agencies. Buying insurance online makes this process obsolete unless you have a need for the professional advice of a licensed agent. Drivers can compare online quotes and get advice from an agent in your area.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverage information for each price quote. If each company quotes unequal deductibles or liability limits it’s impossible to truly determine the lowest rate.

Verify you’re getting all your discounts

Companies offering auto insurance don’t list every discount in an easy-to-find place, so here is a list some of the best known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Life Insurance – Larger companies have a discount if you purchase life insurance from them.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for 3000GT coverage with a few insurance companies.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Homeowners Discount – Owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies that may offer these benefits are:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts might not apply in every state.

These factors can influence what you pay for Mitsubishi 3000GT insurance

It’s important that you understand some of the elements that play a part in calculating your car insurance rates. When you know what positively or negatively influences your rates enables informed choices that could result in much lower annual insurance costs.

  • Lower rates with optional equipment – Owning a car with an alarm system can save you a little every year. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Clean credit earns discounts – Credit score is a huge factor in your rate calculation. If your credit score is lower than you’d like, you could save money insuring your 1995 Mitsubishi 3000GT by repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with poor credit.
  • Pay less if you’re married – Having a spouse can get you a discount on your car insurance policy. Having a significant other usually means you are more responsible and statistics show being married results in fewer claims.
  • Where you live is a factor – Being located in small towns and rural areas can be a good thing when it comes to car insurance. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers who live in large cities have to deal with much more traffic to deal with and longer commutes to work. More time on the road means more change of being in an accident.
  • Extra add-on coverages are wasting money – There are a lot of add-on coverages that you can get tricked into buying on your car insurance policy. Insurance for roadside assistance, accidental death and motor club memberships may be wasting your money. They may seem good at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • A lapse in coverage is a bad thing – Not having insurance is against the law and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, getting caught without coverage will get you a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

When should I talk to an agent?

When it comes to choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • What can I do if my company denied a claim?
  • Am I covered when driving a rental car?
  • How do I file an SR-22 for a DUI in my state?
  • Should I buy additional glass protection?
  • When can I cancel my policy?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

What insurance coverages do you need?

Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages found on the average insurance policy.

Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, hail damage, theft and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability insurance – Liability coverage will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, medical services and funeral expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as prosthetic devices, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Don’t break the bank

Lower-priced 1995 Mitsubishi 3000GT insurance is attainable online in addition to many insurance agents, so compare prices from both to have the best selection. There are still a few companies who do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

We just presented some good ideas how to lower your insurance rates. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from some of the smallest insurance companies. These companies can often provide lower rates in certain areas compared to the large companies like Progressive and GEICO.

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