Cheapest 2000 Mitsubishi Galant Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Are you a victim of an overpriced auto insurance policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Having so many choices, it can be hard to locate the best company.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Nevertheless, vehicle owners can benefit from knowing how big insurance companies market on the web and take advantage of how the system works.

Discounts are great for lower rates

Companies that sell car insurance do not list every available discount very clearly, so we took the time to find both well-publicized as well as the least known savings tricks you should be using.

  • No Accidents – Claim-free drivers can save substantially when compared to drivers who are more careless.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Galant coverage than less cautious drivers.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Galant coverage with select insurance companies.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Low Mileage – Low mileage vehicles could be rewarded with better rates on cars that stay parked.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free auto insurance policy, companies don’t profit that way.

For a list of insurers with the best auto insurance discounts, click this link.

Slick advertising tricks that work

Companies like State Farm, GEICO and Progressive continually stream ads on TV and radio. All the ads make the same claim that you can save after switching your coverage to them. How does each company say the same thing? This is how they do it.

Different companies have a certain “appetite” for the driver that is profitable for them. An example of a preferred risk could be a mature driver, has no tickets, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who don’t qualify for these standards will be quoted more money and ends up with business going elsewhere. The ad wording is “people who switch” but not “drivers who get quotes” save that much. This is how insurance companies can advertise the way they do. This emphasizes why it is so important to get quotes from several different companies. It is impossible to predict which insurance companies will fit your personal profile best.

You may need specialized coverage

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • When can I cancel my policy?
  • Do I need more liability coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • I have a DUI can I still get coverage?
  • When can my company non-renew my policy?
  • Why is insurance for a teen driver so high?
  • If my 2000 Mitsubishi Galant is totaled, can I afford another vehicle?

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If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance specifics

Learning about specific coverages of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages available from car insurance companies.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance – Liability coverage can cover damage that occurs to other people or property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, hitting a deer, fire damage and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as EMT expenses, funeral costs, ambulance fees and hospital visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This coverage will pay to fix damage to your Galant resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Take this to the bank

The cheapest 2000 Mitsubishi Galant insurance can be purchased both online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some auto insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

You just learned quite a bit of information on how to compare insurance prices online. The most important thing to understand is the more you quote, the higher the chance of saving money. You may even discover the lowest premiums are with a smaller regional carrier. Smaller companies may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.

More information can be read on the following sites:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest insurance for my 2000 Mitsubishi Galant?

Finding the cheapest insurance for your 2000 Mitsubishi Galant requires a bit of research and comparison. Here are a few tips to help you in your search:

  • Compare multiple insurance quotes: Obtain quotes from different insurance companies to compare their prices. Online insurance comparison websites can be a useful tool for this purpose.
  • Opt for higher deductibles: Increasing your deductible—the amount you pay out of pocket in the event of a claim—can often lower your insurance premium. However, make sure you can comfortably afford the deductible you choose.
  • Consider the coverage you need: Assess your insurance needs and choose coverage options that are necessary for your situation. Removing unnecessary coverage can help reduce your premium.
  • Inquire about discounts: Insurance companies often offer various discounts, such as safe driver discounts or discounts for bundling multiple policies. Check with different insurers to see if you qualify for any discounts.
  • Maintain a good driving record: Having a clean driving record, free from accidents and traffic violations, can help you secure lower insurance rates.

Are there any specific factors that affect the insurance rates for a 2000 Mitsubishi Galant?

Yes, several factors can influence the insurance rates for a 2000 Mitsubishi Galant. These factors include:

  • Age and driving experience: Younger and inexperienced drivers usually face higher insurance rates compared to older, more experienced drivers.
  • Location: The area where you live can impact your insurance rates. Urban areas with higher rates of accidents or theft may have higher premiums.
  • Vehicle usage: The purpose for which you use your car can affect insurance rates. For instance, if you primarily use your 2000 Mitsubishi Galant for commuting long distances, you may have a higher premium compared to someone who uses it for occasional local trips.
  • Safety features: The presence of safety features in your car, such as anti-lock brakes, airbags, or an alarm system, can potentially lead to lower insurance rates.
  • Claim history: If you have a history of filing frequent insurance claims, it can result in higher premiums.

Are there any specific insurance companies known for providing affordable coverage for a 2000 Mitsubishi Galant?

The affordability of insurance coverage can vary based on factors such as your location, driving record, and other personal details. It’s essential to compare quotes from multiple insurance companies to find the best rates for your 2000 Mitsubishi Galant. Some well-known insurance companies that you may consider include:

  • Geico
  • Progressive
  • State Farm
  • Allstate
  • Liberty Mutual

Can I reduce my insurance costs by purchasing only the minimum required coverage for my 2000 Mitsubishi Galant?

While purchasing the minimum required coverage can lower your insurance premium, it’s important to carefully consider the potential risks and consequences. Minimum coverage may not provide adequate protection in the event of an accident or other unforeseen circumstances. It’s recommended to evaluate your insurance needs and consult with an insurance professional to ensure you have the appropriate level of coverage for your 2000 Mitsubishi Galant.

Are there any additional steps I can take to lower my insurance costs for a 2000 Mitsubishi Galant?

Yes, apart from the tips mentioned earlier, you can consider the following steps to potentially lower your insurance costs for a 2000 Mitsubishi Galant:

  • Maintain a good credit score: Insurance companies often use credit scores as a factor in determining premiums. A higher credit score can demonstrate financial responsibility and may result in lower insurance rates. Make sure to pay bills on time and keep your credit utilization ratio low.
  • Drive safely: Avoid traffic violations and accidents as they can lead to increased insurance premiums. Enroll in defensive driving courses to improve your driving skills and potentially qualify for additional discounts.
  • Seek loyalty discounts: Some insurance companies offer discounts to customers who have been with them for an extended period. Inquire with your insurer about loyalty discounts or consider bundling multiple policies with the same company to potentially receive discounted rates.
  • Consider usage-based insurance: Usage-based insurance programs utilize telematics devices or mobile apps to track your driving behavior. By demonstrating safe driving habits, such as maintaining low mileage and avoiding rapid acceleration or hard braking, you may qualify for discounted rates.
  • Explore group insurance options: Check if you’re eligible for group insurance through professional organizations, alumni associations, or employer-sponsored programs. Group insurance plans often offer discounted rates compared to individual policies.

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