Cheaper 2006 Mitsubishi Eclipse Insurance Quotes

When looking for cheaper insurance, are you overwhelmed by the crazy number of auto insurance choices that you can choose from? Many other drivers are too. There are so many choices available that it can easily become a real challenge to find the lowest price.

Eight tips to get cheaper insurance premiums

A large part of saving on insurance is knowing some of the factors that help calculate the level of your policy premiums. When consumers understand what determines premiums, this allows you to make educated decisions that will entitle you to cheaper rates. Lots of things are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but other criteria are less apparent such as your credit history or how safe your car is.

The factors shown below are most of the major factors insurance companies consider when setting your prices.

• Cheaper rates for prior coverage – Driving any period of time without insurance is not a good idea and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. In addition to paying higher premiums, getting caught without coverage will get you a license revocation or jail time. Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Credit rating impacts costs – Having a bad credit score will be a significant factor in determining your rates. If your credit is not that good, you may save money insuring your 2006 Mitsubishi Eclipse if you improve your credit rating. Insureds with very high credit ratings tend to be better risks to insure than drivers who have poor credit scores.
• When should you not file a insurance claims? – If you are a frequent claim filer, don’t be surprised to see either higher rates or even cancellation. Car insurance companies provide better rates to insureds who only file infrequent claims. Auto insurance is intended for the large, substantial claims.
• Safer cars are cheaper to insure – Safe vehicles tend to have better insurance rates. Safe vehicles protect occupants better and reduced instances of injuries means less claims paid and cheaper rates on your policy.
• Don’t skimp on liability – The liability section of your policy will provide protection if you are found liable for an accident. Liability insurance provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
• Add-on coverages can add up – Policies have additional coverages that you can buy when buying insurance. Coverages like personal injury protection, towing coverage, and membership fees could be just wasting money. They may seem like a good idea when you first buy your policy, but now you might not need them so get rid of them and save.
• Prices are affected by your address – Having an address in less populated areas of the country is a positive aspect when trying to find low car insurance rates. Lower population corresponds to lower accident rates in addition to fewer liability claims. Drivers in populated areas regularly have much more traffic and a longer drive to work. The longer drive time statistically corresponds to a higher accident and claim rate.
• Is insurance coverage cheaper for females or males? – Statistics demonstrate that females take fewer risks when driving. It does not mean males are worse at driving than females. Women and men cause at-fault accidents in similar numbers, but guys tend to have more serious accidents. Not only that, but men also have more aggressive citations such as DWI and reckless driving. Males from age 16 to 21 generally have the highest accident percentage and therefore pay the highest rates.

Earn discounts on insurance coverage

Some providers don’t always advertise all disounts very clearly, so the list below details both well-publicized as well as some of the hidden discounts that you may qualify for. If you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.

• Multiple Cars – Drivers who insure all your vehicles on one policy qualifies for this discount.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts could see savings of 20% or more.
• Accident Forgiveness – This one is not really a discount per se, but some insurance companies will forgive one accident without getting socked with a rate hike so long as you are claim-free for a set time period.
• Low Mileage Discounts – Driving less could be rewarded with better insurance coveragerates on cars that stay parked.
• Claim Free – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote in comparison to drivers with a long claim history.
• College Student – College-age children who are enrolled in a college that is more than 100 miles from home and leave their car at home may be able to be covered for less.
• Anti-lock Brake Discount – Cars with anti-lock braking systems have fewer accidents and will save you 10% or more.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A few companies that may offer quotes with these discounts include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

Check with every insurance company how you can save money. Discounts may not apply to policyholders in every state. To view companies who offer discounts, click this link.

Auto insurance buyers beware

Popular auto insurance providers such as State Farm, Geico and Progressive regularly use television, radio, and online ads. They all seem to have a common claim that drivers can save some big amount if you get a free auto insurance quote and switch your coverage to them. How is it possible that every company can save you money? It’s all in the numbers.

Insurance companies look for specific characteristics for the right customer they prefer to insure. An example of a profitable risk profile may need to be a married male, owns their home, and the vehicle is rated for pleasure use. Any person that fits those parameters receive the lowest rate quotes and is almost guaranteed to save quite a bit of money when switching.

Consumers who fall short of the “perfect” profile must pay more expensive rates which leads to business not being written. The wording the ads use say “customers who switch” not “all people who quote” save that much. That is how companies can truthfully make those statements.

Because of the profiling, you should do a rate comparison at every renewal. You cannot predict which insurance companies will have the lowest rates.

Tailor your auto insurance coverage to you

When choosing coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions might point out if your insurance needs might need an agent’s assistance.

• Am I covered if I hit a deer?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What if I owe more than I can insure my car for?
• When can I cancel my policy?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How much liability coverage do I need in my state?

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

Insurance coverage basics

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, a broken windshield and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

This will pay to fix damage to your Eclipse from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, rolling your car, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Auto liability

This provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like repair bills for other people’s vehicles, structural damage and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, X-ray expenses, surgery and funeral costs. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Mitsubishi Eclipse.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Make an honest buck

Affordable 2006 Mitsubishi Eclipse insurance is possible from both online companies in addition to many insurance agents, so you need to shop auto insurance with both to get a complete price analysis. Some car insurance companies don’t offer price quotes online and most of the time these smaller companies work with independent agents.

In this article, we presented a lot of tips how to shop for 2006 Mitsubishi Eclipse insurance online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your auto insurance rates. Drivers may discover the best rates are with the least-expected company.

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, extreme rates for teen drivers, poor customer service and even questionable increases in premium. No matter why you want to switch, choosing a new company can be easier than you think.

To learn more, link through to the resources below:

• Neck Injury FAQ (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Understanding your Policy (NAIC.org)