Save on 1998 Mitsubishi Eclipse Car Insurance Rates

Have you finally had enough of sacrificing other expenses to pay your car insurance bill each month? You are no different than millions of other drivers. Due to the large number of insurance companies to choose from, it’s nearly impossible to locate the best car insurance company.

It’s a good idea to do rate comparisons yearly because prices are variable and change quite frequently. Even if you think you had the best price on Eclipse insurance last year other companies may now be cheaper. There is too much inaccurate information about car insurance online but we’re going to give you the easiest ways to put money back in your pocket.

The best way we recommend to compare insurance rates from multiple companies takes advantage of the fact most insurance companies have advanced systems to give you rate quotes. All consumers are required to do is provide details like whether you are married, how much you drive, your job, and your education level. The rating information is automatically sent to many of the top insurers and you get price estimates very quickly.

Do you qualify for discounts?

Auto insurance companies don’t always advertise every disount available very clearly, so the list below contains some of the more common and the more hidden credits that you can use to lower your rates.

• Discount for Home Ownership – Being a homeowner can save a few bucks because it requires personal responsibility.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save 10% or more on medical payment and PIP coverage.
• Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
• Professional Organizations – Being a member of a professional or civic organization could trigger savings on your bill.
• Defensive Driving Course – Participating in a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
• Anti-lock Brake Discount – Cars equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
• Theft Prevention Discount – Cars equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
• Claim Free – Good drivers with no accidents pay less when compared with insureds who have frequent claims or accidents.
• Lower Rates for Military – Being on active deployment in the military could be rewarded with lower rates.

Discounts save money, but please remember that most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

Some of the insurance companies that may have these benefits may include but are not limited to:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

If you are trying to find cheaper insurance quotes, ask each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your area.

Don’t assume everyone needs the same auto insurance coverage

When buying coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can aid in determining whether or not you may require specific advice.

• Are there companies who specialize in insuring high-risk drivers?
• Do I pay less if my vehicle is kept in my garage?
• Should I buy more coverage than the required minimum liability coverage?
• What is high-risk coverage and where do I buy it?
• Do I need replacement cost coverage on my 1998 Mitsubishi Eclipse?
• What is the difference between comprehensive and collision coverage?
• What vehicles should carry emergency assistance coverage?
• What happens if I owe more than my 1998 Mitsubishi Eclipse is worth?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Collision coverage protection

Collision insurance covers damage to your Eclipse from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, crashing into a ditch, rolling your car and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability

Liability insurance can cover damage or injury you incur to other people or property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like funeral expenses, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1998 Mitsubishi Eclipse.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, vandalism, damage from a tornado or hurricane and a broken windshield. The maximum amount 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.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses such as nursing services, pain medications, prosthetic devices, rehabilitation expenses and surgery. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Make a quick buck

Cheaper insurance coverage can be purchased both online and from local agencies, so you need to quote insurance with both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and these small insurance companies provide coverage only through independent agents.

We just presented a lot of tips how to get a better price on 1998 Mitsubishi Eclipse insurance. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance. Consumers could even find that the best price on insurance coverage is with a lesser-known regional company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

More resources

• Older Driver Statistics (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Top Signs Your Brakes are Giving Out (State Farm)
• Distracted Driving Statistics (Insurance Information Insitute)