1998 Mitsubishi Eclipse Insurance Rates – 8 Tips for Best Quotes

Trying to find cheaper car insurance rates for your Mitsubishi Eclipse? No one likes paying for car insurance, especially knowing the prices are way too high.

Companies like Progressive, State Farm and Geico continually bombard you with TV and radio ads and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

Consumers need to price shop coverage quite often due to the fact that insurance prices change regularly. Even if you think you had the best deal on Eclipse coverage last year the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re about to learn how to use online quotes to reduce your cost while improving coverage.

Insurance policy discounts

Insurance is neither fun to buy or cheap, but you might be missing out on some discounts to cut the cost considerably. Some discounts apply automatically when you quote, but some discounts are required to be requested specifically prior to receiving the credit. If you don’t get every credit possible, you could be getting lower rates.

• Federal Employees – Simply working for the federal government can save as much as 8% on Eclipse coverage depending on your insurance provider.
• Full Payment Discount – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
• Multi-line Discount – Select insurance companies reward you with lower rates if you buy some life insurance too.
• Low Miles Discount – Low mileage vehicles can qualify you for discounted insurancerates on garaged vehicles.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.
• ABS Braking Discount – Cars equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
• Good Students Pay Less – Maintaining excellent grades can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
• Distant Student Discount – Children who live away from home at college without a vehicle on campus can be insured at a reduced rate.

Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, it’s just not the way it works.

Popular insurance companies and some of the premium reductions they offer are included below.

• American Family may offer discounts for accident-free, mySafetyValet, TimeAway discount, good driver, and early bird.
• State Farm has savings for good driver, Steer Clear safe driver discount, Drive Safe & Save, safe vehicle, passive restraint, and student away at school.
• 21st Century has discounts for early bird, defensive driver, driver training, student driver, homeowners, good student, and automatic seat belts.
• Travelers discounts include multi-car, good student, early quote, student away at school, and save driver.
• Geico offers discounts including air bags, daytime running lights, multi-policy, anti-theft, multi-vehicle, emergency military deployment, and federal employee.

Double check with every company which discounts can lower your rates. All car insurance discounts might not be available to policyholders in your state.

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Cheapest insurance coverage quotes

All the larger insurance coverage companies allow you to get insurance quotes direct online. Comparing prices online is fairly simple as you just enter on the page. When complete, the system will obtain your driving and credit reports and generates pricing information based on these factors. Online price estimates makes it a lot easier to compare rates but the time it takes to visit a lot of sites and fill out multiple forms can be a bit repetitive. But it’s necessary to compare as many rates as possible in order to get better insurance coverage pricing.

A better way to find cheaper rates uses one form that gets prices from several companies at one time. It saves time, eliminates form submissions, and makes price shopping online a little more enjoyable. Immediately after submitting the form, it gets priced and you can select any of the pricing results. If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process only takes a few minutes and may save quite a bit of money.

To compare rates now, click here and input your coverage information. If you currently have coverage, we recommend you duplicate the insurance coverages exactly as they are listed on your policy. This way, you will have a price comparison using the same coverage and limits.

How do I know if I need professional advice?

When buying the best insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that For example, these questions could help you determine if you may require specific advice.

• Do I have coverage when making deliveries for my home business?
• How do I insure my teen driver?
• What is the rate difference between pleasure use and commuting?
• Should I buy full coverage?
• How high should my medical payments coverage be?
• Should I bundle my homeowners policy with my auto?
• Can my teen drive my company car?
• Does my insurance cover a custom paint job?
• Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverage types offered by insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as hospital visits, funeral costs and ambulance fees. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mitsubishi Eclipse.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, falling objects, damage from flooding and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability insurance

Liability coverage provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident 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 a limit of $100,000 paid for damaged property.

Liability can pay for claims such as court costs, medical expenses, legal defense fees, repair costs for stationary objects and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

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Summing up your insurance search

We covered a lot of information how to shop for 1998 Mitsubishi Eclipse insurance online. The key thing to remember is the more price quotes you have, the higher your chance of finding low cost insurance. Consumers could even find that the best price on insurance is with the smaller companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

Discount 1998 Mitsubishi Eclipse insurance can be purchased on the web as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer internet price quotes and most of the time these regional insurance providers only sell through independent agents.

More tips and info about insurance can be found at these sites:

• Understanding your Policy (NAIC.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Insuring a Leased Car (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Crash Avoidance Technologies FAQ (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)

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