2007 Mitsubishi Galant Insurance Quotes – 6 Policy Discounts

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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: Feb 24, 2020

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Trying to find lower insurance coverage rates? Buyers have a choice when searching for the lowest priced Mitsubishi Galant insurance. You can either spend your time struggling with agents getting price quotes or use the internet to get rate quotes.

There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the best way to compare rates for a Mitsubishi and find the lowest possible price.

The purpose of this article is to familiarize you with the most effective way to quote insurance. If you have car insurance now, you stand a good chance to be able to save some money using these tips. Drivers only need an understanding of the proper methods to shop online.

Discounts can save BIG

Properly insuring your vehicles can get expensive, but you may find discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but some must be asked about prior to getting the savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Save over 55 – Older drivers may be able to get reduced rates for Galant insurance.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Galant insurance depending on your company.
  • Homeowners Savings – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, insurance coverage companies aren’t that generous. Any amount of discount will help reduce the amount you have to pay.

Car insurance companies that may have these benefits are:

It’s a good idea to ask each insurance company what discounts are available to you. Discounts may not apply in your area.

Will just any policy work for me?

When choosing the best insurance coverage coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if you may require specific advice.

  • Exactly who is provided coverage by my policy?
  • Why is insurance for a teen driver so high?
  • Is my cargo covered for damage or theft?
  • Why do I only qualify for high-risk insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my trailer covered?
  • Are split liability limits better than a combined single limit?
  • Should I rate my 2007 Mitsubishi Galant as pleasure use or commute?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

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Are you falling for claims of savings?

Consumers get pounded daily by advertisements that promise big savings by companies like 21st Century, Allstate and State Farm. They all seem to have a common claim that you can save if you move to them.

But how can every company claim to save you money?

Different companies have a preferred profile for the type of customer that earns them a profit. For instance, a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. Any driver who fits that profile is entitled to the best price and as a result will probably save a lot of money.

Drivers who don’t measure up to these standards will be charged a more expensive rate which leads to business going elsewhere. The ad wording is “customers who switch” not “people who quote” save money. That’s the way insurance companies can state the savings.

That is why it is so important to get as many quotes as possible. Because you never know which company will have the lowest Mitsubishi Galant insurance rates.

Information about specific coverages

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision – Collision coverage covers damage to your Galant resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, a broken windshield and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills for chiropractic care, dental work, X-ray expenses and surgery. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

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 a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Liability insurance – Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like emergency aid, court costs, loss of income, structural damage and attorney fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Save for a rainy day

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where an insured cut liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

We just showed you a lot of ways to lower your 2007 Mitsubishi Galant insurance rates. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising.

Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, questionable increases in premium, policy cancellation or unfair underwriting practices. Whatever your reason, switching insurance companies is pretty simple and you could end up saving a buck or two.

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