Cheaper 2002 Mitsubishi Eclipse Spyder Insurance Quotes

Purchasing budget insurance online may be intimidating for people that are not comfortable with quoting and online price comparisons. Because there are so many insurance companies available, how can drivers efficiently compare every insurance company to find cheaper insurance rates?

If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. This article will help educate you on how to effectively get price quotes and some tricks to saving. Nevertheless, car owners need to have an understanding of how insurance companies market insurance on the web.

Free auto insurance quotes

When shopping for cheaper auto insurance quotes, there are a couple of ways of comparing price quotes from lots of auto insurance companies. The easiest way to compare rates consists of shopping online. It’s really quite simple and can be done using a couple different methods.

The best way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for multiple quote forms for every prospective company. One form submission will return price quotes instantly.It’s the quickest way to get rates.

A more time consuming way to analyze rates is spending the time to visit the website for every company you want to comare and repeat the quote process. For instance, we’ll pretend you want to see prices from Farmers, Esurance and Travelers. In order to get each rate, you would have to visit each site and enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Even if you have time, the least recommended method of comparing rate quotes is to spend your day driving to local insurance agencies. Comparing online rate quotes has made agencies unnecessary unless you have a complicated situation and need the professional advice only provided by licensed agents. It is possible with some companies find lower rates online and still use a local agent.

The method you choose is up to you, but make absolute certain that you use nearly identical coverages and limits with each company. If you compare higher or lower deductibles it’s impossible to find the best deal for your Mitsubishi Eclipse Spyder. Even a minor difference in insurance coverages can result in a big premium difference. Just keep in mind that comparing all the rates in your area will increase your chances of finding lower pricing. Not every company does quotes online, so it’s important to also get prices from those companies as well.

Double check you’re getting these premium-slashing discounts

Some insurers don’t always list every discount they offer in a way that’s easy to find, so the below list has some of the more common as well as some of the hidden discounts that may be available.

  • Early Renewal Discounts – A few insurance companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Distant College Student Discount – Youth drivers who live away from home to go to college and do not have access to a covered vehicle can receive lower rates.
  • Auto/Life Discount – Some insurance carriers give a discount if you purchase auto and life insurance together.
  • New Vehicle Savings – Buying a new car model can be considerably cheaper because new vehicles keep occupants safer.
  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars or trucks with one company can reduce the rates for all insured vehicles.
  • Driving Data Discount – Policyholders that allow their insurance company to study where and when they drive by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they show good driving skills.
  • Defensive Driver – Taking a driver safety course could cut 5% off your bill if you qualify.
  • ABS Braking Discount – Cars that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
  • Home Ownership Discount – Owning your own home or condo can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
  • Good Grades Discount – This discount may save you up to 25%. The good student discount can last until age 25.

Don’t be shocked that some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, that’s just not realistic.

Large auto insurance companies and a selection of discounts include:

  • State Farm has discounts for accident-free, multiple policy, good student, safe vehicle, and good driver.
  • Liberty Mutual discounts include safety features, new move discount, hybrid vehicle, preferred payment discount, multi-policy, and newly married.
  • American Family may include discounts for early bird, multi-vehicle, Steer into Savings, accident-free, good student, and good driver.
  • Progressive may offer discounts for online quote discount, multi-policy, good student, homeowner, online signing, continuous coverage, and multi-vehicle.
  • Farmers Insurance offers discounts for bundle discounts, switch companies, electronic funds transfer, alternative fuel, business and professional, teen driver, and mature driver.
  • Auto-Owners Insurance offers premium reductions for company car, anti-lock brakes, safe vehicle, mature driver, and student away at school.
  • SAFECO includes discounts for accident prevention training, bundle discounts, teen safe driver, homeowner, and anti-lock brakes.

If you need lower rates, check with each company which discounts you qualify for. Some of the discounts discussed earlier may not apply in your area. To see providers with the best discounts, click here.

Do I need special coverages?

When buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • Why am I required to buy high-risk coverage?
  • Are rental cars covered under my policy?
  • What is UM/UIM insurance?
  • Why is insurance for a teen driver so high?
  • Will filing a claim cost me more?
  • Which is better, split liability limits or combined limits?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Information about specific coverages

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree, crashing into a building, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability auto insurance – This coverage will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, repair costs for stationary objects, medical services and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Mitsubishi Eclipse Spyder.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as surgery, funeral costs, ambulance fees, doctor visits and nursing services. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hail damage, fire damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Comments About 2002 Mitsubishi Eclipse Spyder Insurance

  1. Duncan Key

    Here’s what I found out. I’m in the suburbs of Denver, CO. Got car insurance quotes from State Farm, AAA, and Erie for my 2002 Mitsubishi Eclipse Spyder and saved $116 a year. Switched homeowners coverage too.

  2. Rhiannon Cooke

    Anyone like their agent?

  3. Janeth Larson

    What are minimum liability limits required in South Dakota?

  4. Tamera Langley

    State Farm was cheapest for my 2002 Mitsubishi Eclipse Spyder in Detroit, Michigan.

  5. Marylyn Frederick

    Live in the southern part of Missoula, MT. Got prices from Hanover, Amica, Sentry, and a couple others for my Mitsubishi and saved just over $100 a year. It’s still not cheap enough. Just liability coverage since it’s getting old.

  6. Ashly Carrillo

    Live in Henderson, NV. I don’t recall every quote but I ended up saving about $20 each month. God forbid I actually have a claim. My Eclipse Spyder doesn’t have full coverage.

  7. Margy Garner

    Went with Esurance for my Eclipse Spyder and saved around $80 a year. Left Encompass to switch. I have several vehicles insured with them.

  8. Jonelle Preston

    I live just to the south of Manchester, NH. Received rates from AIG Insurance, Safeco, and USAA for my Mitsubishi and saved just over $70 a year. Insured with American Family before. Highly recommended. I only have liability coverage on it.

  9. Adell Vang

    Proud to be from Norman, OK. Went online for free insurance quotes for a 2002 Mitsubishi Eclipse Spyder. Ended up at about $70 savings annually. Went with GEICO. Not worth enough to pay for comprehensive and collision.

  10. Nohemi Adkins

    Proud to be from Hartford, CT. Received quotes from Allstate, Farmers, and The General for my Mitsubishi and I’m now saving $16 a month. Insured with AIG Insurance before. Book value doesn’t justify full coverage anymore.

  11. Pasty Martin

    Hope my car insurance gets cheaper. I’m just east of San Diego, CA. Quoted prices online for a 2002 Mitsubishi Eclipse Spyder. Ended up at about $110 savings annually. Went with Progressive. I quoted rates online then called them. I’m thinking about dropping full coverage though.

  12. Dannette Schmidt

    Where is cheaper car insurance? I live in a small town just outside of Montgomery, Alabama. Received quotes from AIG Insurance, Mercury, and a few others for my Eclipse Spyder and I’m now saving $13 a month.

  13. Divina Mcfadden

    I’m in the north part of Phoenix, AZ and for me State Farm had the lowest quote. Insured with Safeco before. Bought it from an online quote. Only insure liability on my Eclipse Spyder.

  14. Arlinda Carlson

    State Farm was cheapest for my 2002 Mitsubishi Eclipse Spyder in Raleigh, NC.

  15. Lindsey Goff

    If you don’t have tickets and live near Lexington, KY, check out 21st Century. They seem to be cheaper. Not sure about claim service.

  16. Lillian Best

    Located in Davenport, Iowa. Compared rates from a lot of places. Saved roughly $30 a month. GEICO was the best choice for me. Just liability coverage since it’s getting old.

  17. Christia Callahan

    Got a quote with Hartford for my 2002 Mitsubishi Eclipse Spyder and saved about $110 a year. Insured with USAA before. I get a discount for insuring multiple vehicles. I just quoted rates online.

  18. Eldora Powers

    It all costs too much. Proud to be from Owensboro, KY. Quoted prices from Amica, Sentry, and Western Auto Insurance for my Mitsubishi and I’m now saving $17 a month. Was with Auto-Owners. Not worth enough to pay for comprehensive and collision.