1999 Mitsubishi Eclipse Spyder Insurance Cost – 6 Policy Discounts

Buyers have options when searching for low-cost Mitsubishi Eclipse Spyder insurance. They can either waste time driving around to compare prices or leverage the internet to find the lowest rates. There are both good and bad ways to find insurance coverage online so we’re going to tell you the absolute fastest way to price shop coverage for your Mitsubishi and get the best price possible either online or from local insurance agents.

It is always a good idea to quote other rates at least once a year due to the fact that insurance rates change regularly. Even if you got the lowest rate for Eclipse Spyder insurance two years ago there is a good chance you can find better prices now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to how to use online quotes to reduce your cost while improving coverage.

If you have a current insurance policy or are shopping for new coverage, you can learn to get lower rates and possibly find even better coverage. The purpose of this article is to help you learn the most effective way to quote insurance and some money-saving tips. Drivers only need to know the most efficient way to buy insurance online.

Cheapest auto insurance rate quotes

Getting a cheaper price on 1999 Mitsubishi Eclipse Spyder insurance is actually quite simple. Just spend a little time getting comparison quotes from different insurance companies. Insurance prices can be quoted in just a few minutes using one of these methods.

1. The best way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do a different quote for every company. Completing one form gets you price quotes instantly. It’s definitely the quickest method.
2. A harder way to find better pricing is spending the time to visit each individual company website to complete a price quote. For examples sake, we’ll assume you want to compare rates from Farmers, Esurance and American Family. In order to compare rates, you need to visit each site and type in your information over and over, which is why the first method is quicker.

   For a handy list of car insurance company links in your area, click here.

3. The least recommended way to comparison shop rate quotes is driving to each insurance agency near you. Quoting and buying insurance online eliminates the middleman unless you have a need for the guidance that you can only get from talking to an agent. Drivers can price shop your coverage online and still use a local agent.

However you get your quotes, try to use identical information on every quote you get. If you use different coverage information it’s not possible to make an equal comparison.

Discount insurance quotes

The cost of insuring your cars can be expensive, but you may find discounts to reduce the price significantly. Certain credits will be shown at the time of purchase, but lesser-known reductions have to be requested specifically in order for you to get them. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

• Discount for Multiple Policies – If you can bundle your homeowners and auto insurance and insure them both with the same insurance company you may earn as much as 10 to 15 percent.
• ABS Braking Discount – Vehicles that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
• Multi-car Discount – Insuring several vehicles on one policy may reduce the rate for each vehicle.
• E-sign Discounts
• Payment Discounts – If you pay your bill all at once as opposed to paying monthly you can avoid the installment charge.
• Good Students Pay Less – Excelling in school can save 20 to 25%. You can use this discount normally until age 25.

As a sidenote, most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, it just doesn’t work that way.

The best insurance companies and some of their more popular discounts can be read below.

• Progressive has discounts for online signing, good student, online quote discount, continuous coverage, and multi-policy.
• MetLife has savings for defensive driver, accident-free, multi-policy, claim-free, and good driver.
• Mercury Insurance offers discounts including ease of repair, good student, multi-car, low natural disaster claims, location of vehicle, and anti-theft.
• Nationwide offers premium reductions for good student, anti-theft, multi-policy, easy pay, accident-free, defensive driving, and family plan.
• Geico may include discounts for air bags, seat belt use, anti-theft, five-year accident-free, and military active duty.
• AAA offers discounts for AAA membership discount, education and occupation, good driver, good student, and multi-car.

When getting free insurance coverage quotes, it’s a good idea to every insurance company how you can save money. Some discounts might not be offered on policies in your area. To find insurers who offer cheap insurance quotes, click this link.

Tailor your car insurance coverage to you

When buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your situation would benefit from professional advice.

• Will I lose any money if I cancel my policy before it expires?
• How can I get high-risk coverage after a DUI?
• When does my teenage driver need to be added to my policy?
• Should I rate my 1999 Mitsubishi Eclipse Spyder as pleasure use or commute?
• Can I afford to buy a different vehicle if my 1999 Mitsubishi Eclipse Spyder is totaled?
• Should I have a commercial auto policy?
• I don’t drive much so do I pay less?
• If my pet gets injured in an accident are they covered?
• Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Don’t believe everything you hear

Consumers can’t ignore all the ads that claim the best car insurance rates by 21st Century, Allstate and State Farm. All the ads state the claim that drivers can save some big amount if you change your insurance coverage policy to them.

It sounds good, but how can they all offer drivers better rates? This is the trick they use.

All the different companies quote their cheapest rates for the type of driver that will most likely be profitable. An example of a profitable insured could be over the age of 35, owns a home, and has a short commute. A propective insured who matches those parameters will get a cheap rate quote and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who fall short of the “perfect” profile must pay a higher premium and the customer not purchasing. If you pay attention, the ads say “customers who switch” but not “everyone who gets a quote” save money. That is how insurance companies can make claims that they all have the best rates. This really illustrates why it’s extremely important to get insurance coverage quotes from several different companies. It is impossible to predict which insurance companies will have the best prices at this point in time.

Information about specific coverages

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills for pain medications, hospital visits, EMT expenses, prosthetic devices and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, a broken windshield, hail damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Mitsubishi Eclipse Spyder.

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

Liability auto insurance – This provides protection from damage or injury you incur to other’s property or people. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as court costs, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision – This coverage covers damage to your Eclipse Spyder resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Smart shoppers get results

We covered many ways to get a better price on 1999 Mitsubishi Eclipse Spyder insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest rates are with an unexpected company.

Cheaper 1999 Mitsubishi Eclipse Spyder insurance can be sourced both online in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not offer rates over the internet and most of the time these smaller providers prefer to sell through independent agents.

Consumers who switch companies do it for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, delays in paying claims or denial of a claim. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

Helpful learning opportunities

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Understanding Car Crashes Video (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)