Lower Your 1997 Mitsubishi Eclipse Spyder Insurance Cost

Are you sick and tired of paying out the nose to pay your car insurance bill each month? You are in the same boat as most other car owners. Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the lowest rate possible.

It is always a good idea to take a look at other company’s rates periodically because rates fluctuate regularly. Despite the fact that you may have had the best price on Eclipse Spyder insurance last year you can probably find a better price now. Ignore everything you know about insurance coverage because you’re about to find out the fastest way to get good coverage at a lower rate.

The best way to get policy rate comparisons utilizes the fact most larger insurance companies participate in online systems to give free rates quotes. To begin a comparison, all you need to do is provide details including if a SR-22 is required, your education level, if you lease or own, and how many miles driven. The rating information is instantly provided to insurance carriers in your area and they return rate quotes immediately.

To find lower rates now, click here and enter your zip code.

Save big with these discounts

The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. Most are applied when you quote, but less common discounts must be asked for prior to receiving the credit. If they aren’t giving you every credit available, you are throwing money away.

  • Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Drive Less and Save – Keeping the miles down on your Mitsubishi can earn a substantially lower rate.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% on Eclipse Spyder insurance depending on your company.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company qualifies for this discount.
  • Senior Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums on Eclipse Spyder insurance.

It’s important to note that many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck. But all discounts will reduce your premiums.

For a list of companies offering insurance coverage discounts, click here.

But I don’t know anything about car insurance

When it comes to buying coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help you determine if you will benefit from professional help.

  • When would I need additional glass coverage?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I wreck a rental car?
  • Is my 1997 Mitsubishi Eclipse Spyder covered for smoke damage?
  • What if I don’t agree with a claim settlement offer?
  • What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Auto insurance coverage considerations

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses like pain medications, EMT expenses, ambulance fees, prosthetic devices and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays for damage to your Eclipse Spyder caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, crashing into a ditch, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability car insurance

Liability insurance will cover injuries or damage you cause to a person or their property. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical expenses, loss of income and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, fire damage, theft and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Shop Smart and Save

Affordable 1997 Mitsubishi Eclipse Spyder insurance can be bought both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. Too many times, someone dropped uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Additional detailed information is available by following these links: