Save on 2011 Mitsubishi Galant Insurance Quotes in 2024

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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: Mar 30, 2024

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I can’t think of anyone who loves paying for insurance, especially knowing it costs too dang much. Due to the large number of options when it comes to insurance, it can be challenging to pick the best company.

Finding the best rates is not rocket science. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Vehicle owners just need to know the most effective way to shop online.

Compare car insurance rates

There are a lot of ways to shop for car insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Most of the best insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and at least one company can provide price quotes based on the submitted data. This saves time by eliminating repetitive form submissions for every car insurance company. To get comparison pricing now enter your zip code here.

The only drawback to doing it this way is that you can’t choose which companies to get quotes from. So if you prefer to choose from a list of companies for rate comparison, we have a page of car insurance companies in your area. Click to enter zip code.

It’s up to you which method you use, but ensure you are comparing the same quote information with each company. If you have different deductibles it will be next to impossible to truly determine the lowest rate.

Be skeptical of auto insurance ads

Consumers can’t get away from all the ads that claim the lowest prices by Progressive, Allstate and GEICO. All the ads make the same claim that drivers can save some big amount if you just switch to them.

But how can every company claim to save you money? Just pay attention to how they say it.

All the different companies quote their cheapest rates for the type of customer that is profitable for them. An example of this type of driver may be between the ages of 40 and 55, has never had a policy lapse, and drives a vehicle with a low ISO rating. Someone that hits that “sweet spot” receives the best prices and most likely will save a lot if they switch.

Potential customers who are not a match for these criteria may receive higher rates and this results in the customer not buying. Company advertisements say “customers that switch” not “all people who quote” save that much when switching. This is how insurance companies can claim big savings. Because of these techniques, drivers should get a wide range of price quotes. You cannot predict which insurance companies will have better rates than you’re paying now.

Smart buyers save every year

It’s important that you understand some of the things that are used to determine the level of your policy premiums. When you know what positively or negatively determines base rates, this helps enable you to make changes that could help you find lower auto insurance prices.

The factors shown below are just a few of the factors used by your company to calculate rates.

  • Incidental coverages may not be needed – There are many additional coverages that can waste your money on your Galant policy. Coverages for personal injury protection, better glass coverage, and motor club memberships may be costing you every month. These may sound like a good investment initially, but now you might not need them so eliminate the coverages to reduce your premium.
  • Your job may affect auto insurance rates – Occupational choices like doctors, air traffic controllers and medical professionals have higher rates than average because of intense work-related stress and extremely grueling work hours. Other occupations such as professors, engineers and the unemployed have the lowest average rates for Galant insurance.
  • How’s your driving record? – Your driving record has a huge affect on how much you pay. Drivers with clean records pay lower auto insurance prices as compared to those with violations. Getting just one citation could increase your next policy renewal by twenty percent. Drivers unfortunate enough to have serious tickets such as DUI, reckless driving or excessive speeding might be required by their state to prove financial responsibility with their state in order to keep their license.
  • Frequent claims will cost more – Companies provide better rates to drivers who do not rely on their insurance for small claims. If you file a lot of claims you can pretty much guarantee either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Are men or women drivers cheaper? – Statistics show that women are safer drivers than men. Now that doesn’t mean males are worse at driving than females. Both sexes cause at-fault accidents in similar percentages, but the men have accidents that have higher claims. Men also receive more major tickets such as reckless driving. Young males have the highest risk to insure and therefore are the most expensive to insure.
  • Better credit means lower prices – A driver’s credit rating factor in determining what you pay for auto insurance. People with high credit ratings tend to file fewer claims and have better driving records than those with poor credit scores. So if your credit rating can be improved, you could potentially save money when insuring your 2011 Mitsubishi Galant by spending a little time repairing your credit.
  • More traffic means higher claims – Living in smaller towns and rural areas of the country has definite advantages when trying to find low car insurance rates. Fewer drivers means reduced accidents. People who live in big cities tend to have more aggressive driving styles and longer commute times. Spending more time driving translates into higher accident risk.

Are you earning every discount?

The price of auto insurance can be rather high, but you might find some hidden discounts that can dramatically reduce your bill. Certain reductions will be credited at the time you complete a quote, but some must be asked about before you get the savings. If you’re not getting every credit you deserve, you could be getting lower rates.

  • College Student – College-age children who live away from home to go to college and won’t have access to an insured vehicle could qualify for this discount.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle up could save 15% off the medical payments premium.
  • Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% because newer vehicles keep occupants safer.
  • Pay Early and Save – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
  • Defensive Driving Course – Successfully completing a course teaching safe driver skills could save 5% or more and easily recoup the cost of the course.
  • Accident Free – Insureds who avoid accidents and claims can save substantially in comparison with frequent claim filers.
  • E-sign – A few insurance companies will give a small break for signing up on their website.
  • Multi-line Discount – Insurance companies who offer life insurance give a discounted price on car insurance if you buy auto and life insurance together.
  • Discounts for Multiple Vehicles – Buying a policy with more than one vehicle with one company can get a discount on all vehicles.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So when it seems like adding up those discounts means a free policy, that’s just not realistic.

Companies and a summarized list of policyholder discounts are outlined below.

  • Farm Bureau may include discounts for driver training, safe driver, multi-policy, youthful driver, 55 and retired, multi-vehicle, and renewal discount.
  • Liberty Mutual offers premium reductions for multi-car, preferred payment discount, newly retired, teen driver discount, multi-policy, and new graduate.
  • State Farm may offer discounts for safe vehicle, student away at school, multiple autos, good driver, and accident-free.
  • Auto-Owners Insurance offers discounts for company car, safe driver, anti-theft, multi-policy, anti-lock brakes, paperless, and group or association.
  • GEICO has savings for good student, military active duty, daytime running lights, emergency military deployment, federal employee, and driver training.
  • SAFECO includes discounts for drive less, anti-theft, anti-lock brakes, teen safety rewards, and bundle discounts.

Double check with every insurance company the best way to save money. Savings may not be available in your state.

When in doubt talk to an agent

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining if your situation would benefit from professional advice.

  • Are my friends covered when driving my car?
  • Is other people’s property covered if stolen from my vehicle?
  • What can I do if my company won’t pay a claim?
  • Is my 2011 Mitsubishi Galant covered for flood damage?
  • Am I covered if I wreck a rental car?
  • Can I still get insurance after a DUI?
  • Does insurance cover tools stolen from my truck?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete your zip code. It is quick, free and can help protect your family.

Insurance coverage basics

Knowing the specifics of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Comprehensive auto coverage

Comprehensive insurance 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 coverage pays for things such as hail damage, a broken windshield, rock chips in glass and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for chiropractic care, pain medications and nursing services. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto collision coverage

This covers damage to your Galant resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for liability

Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical expenses, bail bonds and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Quote more. Save more.

Budget-conscious 2011 Mitsubishi Galant insurance is attainable from both online companies as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies may not provide price quotes online and usually these smaller companies only sell through independent insurance agents.

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. Too many times, consumers will sacrifice full coverage only to regret at claim time they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

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