1998 Mitsubishi Eclipse Insurance Quotes

Finding more affordable coverage rates for insurance coverage can seem to be very difficult for drivers new to online insurance quotes. Drivers have so many different companies and agents to choose from that it can quickly become more work than you anticipated to find better prices.

It is always a good idea to price shop coverage quite often because insurance prices are adjusted regularly by insurance companies. If you had the lowest rates for Eclipse coverage two years ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about insurance coverage because you’re going to get a crash course in how to use online quotes to lower your annual insurance bill.

These discounts can lower your car insurance quotes

Not too many consumers would say car insurance is affordable, but you may qualify for discounts to help offset the cost. Some of these disounts will be visible at the time of purchase, but occassionally some discounts must be asked for before they will apply.

  • Sign Online – Many companies will give you a small discount for signing up over the internet.
  • Driving Data Discount – Drivers who agree to allow driving data collection to monitor their driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if their driving habits are good.
  • Save with a New Car – Buying insurance coverage on a new vehicle is cheaper because newer models keep occupants safer.
  • Low Mileage Discounts – Low mileage vehicles could qualify for cheaper prices.
  • Early Switch Discount – A few insurance companies allow discounts for buying a policy early. It could save around 10% when you buy insurance online.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.

While discounts sound great, it’s important to understand that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, you aren’t that lucky.

To locate providers who offer online car insurance quotes, click this link.

How to buy auto insurance online

There are a variety of methods to compare auto insurance prices and some are more efficient than others. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could use the web to maximize your effort.

All the larger companies participate in an industry program that enables customers to send in one quote, and each participating company then returns a price quote based on the submitted data. This prevents consumers from doing quote requests to each individual auto insurance company. To use this form to compare rates click here to open in new window.

The only drawback to doing it this way is that you can’t choose which carriers you want to price. So if you want to select individual companies to compare rates, we have a page of low cost auto insurance companies in your area. Click to view list.

The approach you take is up to you, just make absolute certain that you use equivalent coverage information for each price quote. If you use mixed coverages you can’t possibly find the best deal for your Mitsubishi Eclipse. Even a minor difference in coverage limits may result in large price differences. Just remember that quoting more helps increase your odds of locating a lower rate than you’re paying now.

Eight tips to get cheaper insurance premiums

Lots of factors are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other factors are not quite as obvious like your vehicle usage or how financially stable you are.

  • Better rates on safer vehicles – Safer cars are cheaper to insure. Highly rated vehicles reduce the chance of injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders.
  • Cheaper rates after marriage – Having a spouse may earn you lower rates when buying auto insurance. Marriage demonstrates that you tend to be more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Does your job raise your auto insurance rates? – Did you know your career choice can influence rates? Occupational choices like military generals, business owners and accountants generally have higher premiums than the average policyholder attributed to high stress levels and long work days. Other jobs such as professors, engineers and homemakers pay the least for Eclipse coverage.
  • Don’t cancel your coverage without a new one in place – Driving your car without having proper coverage is a big no-no and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you fines and jail time.
  • Small claims can cost you – If you are the type of insured that files lots of claims you should expect much higher rates or policy non-renewal. Companies provide the lowest premiums to insureds who are claim-free. Your car insurance is intended for the large, substantial claims.
  • Save money with higher comp and collision deductibles – Physical damage coverage, also called ‘full coverage’, protects your Mitsubishi from damage. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and windstorm damage. Your deductibles represent how much money you are required to pay before a claim is paid by your company. The larger the amount you have to pay, the less your auto insurance will be for Eclipse coverage.
  • Small coverages can add up – Insurance policies have a lot of additional extra coverages that may not really be needed on your 1998 Eclipse policy. Coverages like rental car reimbursement, accidental death, and membership fees are probably not needed. These may sound like a good investment when you first buy your policy, but if you don’t need them remove them and pocket the money.
  • Consolidating policies can get discounts – Many auto insurance companies allow a discount to people who consolidate policies with them in the form of a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even if you already get this discount, it’s always a smart idea to compare rates to verify if the discount is saving money.

Different people need different insurance coverages

When choosing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different.

These are some specific questions may help you determine whether your personal situation may require specific advice.

  • Do I need replacement cost coverage on my 1998 Mitsubishi Eclipse?
  • What are the best liability limits?
  • What can I do if my company denied a claim?
  • What is no-fault insurance?
  • Can I make deliveries for my home business?
  • Is my nanny covered when driving my vehicle?
  • Can I drive in Mexico and have coverage?
  • Do I have coverage if my license is suspended?
  • What companies insure drivers after a DUI or DWI?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance buyers beware

Big name companies like Allstate and Progressive continually stream ads on television and other media. They all advertise claims about saving some big amount if you switch your policy. How does every company lower your premium rates? This is the way they can do it.

Most companies have a certain “appetite” for the type of driver that will generate a profit. One example of a desirable risk could possibly be a married male, has no driving citations, and drives a vehicle with a low ISO rating. A propective insured that matches those criteria will get very good rates and have a good chance to save money with a new company.

Potential insureds who do not match these criteria may receive higher rates and business going elsewhere. The ads state “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can make the claims of big savings. Because of this risk profiling, drivers should get insurance quotes from several different companies. Because you never know the company that will have the lowest prices for your situation.

Car insurance coverages explained

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, pain medications, hospital visits, funeral costs and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism, a broken windshield and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your Eclipse resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, colliding with another moving vehicle, scraping a guard rail, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Liability insurance

This can cover damage that occurs to other people or property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, emergency aid, medical expenses and court costs. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists 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.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Shop Smart and Save

When shopping online for auto insurance, never skimp on critical coverages to save a buck or two. There are too many instances where someone dropped uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

We covered some good ideas how to shop for 1998 Mitsubishi Eclipse insurance online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies.

A few companies may not offer rates over the internet smaller providers only sell through local independent agents. Low-cost 1998 Mitsubishi Eclipse insurance can be sourced online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates.

Much more information about auto insurance can be read at these links: