1993 Mitsubishi Eclipse Insurance Rates – 6 Savings Tips

Want better insurance rates for your Mitsubishi Eclipse? Being forced to pay for high-priced insurance premiums can drain your bank account and require stricter spending habits. Performing a price comparison can lower your rates and help to ensure you are getting the best deal.

Insurance companies such as Geico and Progressive all claim big savings with advertising and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

You should take the time to take a look at other company’s rates once or twice a year since prices go up and down regularly. Even if you got the best rates on Eclipse coverage a few years ago a different company probably has better rate quotes today. Ignore everything you know about insurance because we’re going to demonstrate the easiest way to properly buy coverages while reducing your premium.

How to compare free insurance coverage price quotes

There are a lot of ways to compare insurance coverage quotes, but one way is less time-consuming than others. You can spend countless hours talking to insurance agencies in your area, or you could save time and use online quoting for quick rates.

Many popular insurance companies belong to an insurance system where prospective buyers send in one quote, and every company then returns a price quote for coverage. This system prevents you from having to do quotation requests for each company you want a rate for.

To find out what other companies charge click here (opens in new window).

The one downside to using this type of form is that you can’t choose the companies to get pricing from. So if you prefer to choose from a list of companies to compare prices, we have a listing of companies who write insurance coverage in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be sure you’re using nearly identical deductibles and coverage limits for each quote you get. If the quotes have mixed coverages you will not be able to get a fair rate comparison.

Insurance coverage companies offer money-saving discounts

Auto insurance companies don’t always publicize every available discount very clearly, so we took the time to find a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy car insurance online. If you do not double check each discount available, you’re paying more than you need to.

  • Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Sign Online – A few insurance coverage companies will discount your bill up to fifty bucks for buying your policy on the web.
  • No Accidents – Good drivers with no accidents pay much less compared to insureds who have frequent claims or accidents.
  • Early Signing – A few insurance coverage companies allow discounts for renewing your policy before your current expiration date. It’s a savings of about 10%.
  • Policy Bundle Discount – If you can combine your auto and homeowners policy and insure them with the same company you may save up to 20% and get you inexpensive car insurance.
  • Air Bags and Passive Restraints – Factory options such as air bags may earn rate discounts of 25 to 30%.

It’s important to note that some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, it’s just not the way it works.

Some of the larger companies who might offer these discounts may include but are not limited to:

Before buying, ask every prospective company which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies in your area. To locate providers offering insurance coverage discounts, click here to view.

Do I just need basic coverages?

When it comes to choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered when driving someone else’s vehicle?
  • When should I not file a claim?
  • Do I need more liability coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages and their meanings

Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Collision protection

Collision insurance covers damage to your Eclipse from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, colliding with another moving vehicle, colliding with a tree, rolling your car and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as emergency aid, legal defense fees, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, hail damage and hitting a deer. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Mitsubishi Eclipse.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like funeral costs, hospital visits, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Don’t throw your cash in the trash

We just showed you many ways to lower your 1993 Mitsubishi Eclipse insurance car insurance rates. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. Consumers may even find the lowest car insurance rates are with some of the smallest insurance companies. They often have lower premium rates on specific markets compared to the large companies like State Farm and Allstate.

As you quote car insurance, you should never reduce coverage to reduce premium. In too many instances, an insured dropped full coverage to discover at claim time they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at the best cost while still protecting your assets.

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