2002 Mitsubishi Galant Insurance Rates
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UPDATED: Sep 2, 2022
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Trying to find cheaper insurance rates for your Mitsubishi Galant? If shopping for insurance online is new to you, you may be overwhelmed because of the huge number of online companies competing for business.
It’s important to do rate comparisons occasionally due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal on Galant insurance a few years ago you can probably find a better price now. Block out anything you think you know about insurance because you’re about to find out the things you must know in order to eliminate unnecessary coverages and save money.
Save money by taking advantage of these discounts
Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be specially asked for before you get the savings.
- Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
- Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
- Drive Less and Save – Keeping the miles down on your Mitsubishi can earn lower rates on the low mileage vehicles.
- Homeowners Savings – Owning a house can save you money because of the fact that having a home requires personal responsibility.
- Military Rewards – Having a deployed family member may qualify for rate reductions.
- Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
- Sign Online – A few companies will give a small break for buying your policy digitally online.
It’s important to understand that some of the credits will not apply the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. But any discount will cut the cost of coverage.
Car insurance companies who might offer these discounts include:
Check with each company what discounts are available to you. Savings might not apply in your area.
The quickest method we recommend to get rate comparisons is to know most larger insurance companies allow for online access to provide you with a free rate quote. All you need to do is provide a little information such as how old drivers are, if you lease or own, how your vehicles are used, and if your license is active. Your rating data is instantly sent to multiple different insurance companies and they respond with quotes immediately.
To check rates for your Mitsubishi Galant , click here and find out if you can get cheaper insurance.
When should I use an insurance agent?
When it comes to buying the best auto insurance coverage, there really is no one size fits all plan. Every insured’s situation is different.
For instance, these questions could help you determine if you would benefit from an agent’s advice.
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Why am I be forced to buy a membership to get insurance from some companies?
- Which companies will insure high-risk drivers?
- Is upholstery damage covered by car insurance?
- Why is insurance for a teen driver so high?
- Can I afford low physical damage deductibles?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.
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Insurance policy coverages for a 2002 Mitsubishi Galant
Understanding the coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mitsubishi Galant.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from flooding, falling objects, damage from getting keyed and a tree branch falling on your vehicle. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as crashing into a ditch, hitting a mailbox, scraping a guard rail and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.
Auto liability – Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against claims such as funeral expenses, attorney fees, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.
Better coverage you can count on
Drivers leave their current company for a number of reasons such as denial of a claim, an unsatisfactory settlement offer, not issuing a premium refund or high prices. Whatever your reason, switching auto insurance companies can be pretty painless.
When buying insurance coverage, do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced liability limits or collision coverage and learned later that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.
We just presented a lot of tips how to compare 2002 Mitsubishi Galant insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the best price on auto insurance is with the least-expected company.
Additional auto insurance information is located at the links below
- Prom Night Tips for Teen Drivers (State Farm)
- Anti-Lock Brake FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)
- How to Avoid Common Accidents (State Farm)
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