1998 Mitsubishi Eclipse Spyder Insurance Quotes

Trying to find lower insurance coverage rates for your Mitsubishi Eclipse Spyder? Have you fallen victim to overpriced insurance coverage? Believe me, many consumers feel financially strained by their insurance coverage policy.

Having so many insurance companies to choose from, it can be impossible to locate the lowest price insurer.

Locating affordable auto insurance coverage can be fairly easy. Basically, every vehicle owner who is required by state law to have auto insurance will most likely be able to reduce their rates. But car owners do need to know the way companies sell online and use this information to your advantage.

How to Get Insurance Coverage Comparison Quotes

There are several ways to get quotes from insurance coverage companies in your area. The simplest method to compare 1998 Mitsubishi Eclipse Spyder insurance prices consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for separate forms for each company. Completing one form gets you coverage quotes from multiple low-cost companies.

Another way to shop for insurance coverage online requires a trip to each company website and complete a new quote form. For example, let’s say you want to compare rates from Nationwide, Liberty Mutual and Farmers. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using exactly the same quote information with each company. If each company quotes mixed coverages it will be impossible to find the best deal for your Mitsubishi Eclipse Spyder. Having just a slight variation in limits can mean a large discrepancy in price. It’s important to know that getting more free quotes helps you find lower pricing.

Save on 1998 Mitsubishi Eclipse Spyder insurance

Insuring your fleet can be pricey, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be manually applied prior to receiving the credit.

  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Memberships – Belonging to a qualifying organization may earn a discount on your policy on Eclipse Spyder insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • College Student – Children who are attending college and don’t have a car can receive lower rates.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Eclipse Spyder insurance with select insurance companies.
  • Safety Course Discount – Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky. But any discount will reduce your overall premium however.

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

Tailor your coverage to you

When choosing coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might help in determining if your insurance needs will benefit from professional help.

  • How can I find cheaper teen driver insurance?
  • Does coverage extend to my business vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I waive the damage coverage when renting a car?
  • Do I need higher collision deductibles?
  • How do I buy GAP insurance?
  • Do I need replacement cost coverage on my 1998 Mitsubishi Eclipse Spyder?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Factors that can influence insurance rates for a Mitsubishi Eclipse Spyder

It’s important that you understand the rating factors that go into determining your insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to better insurance rates.

  • Adjust deductibles and save – Deductibles for physical damage define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be running into the backend of another car, vandalism, or theft. The more money you’re willing to pay, the less your insurance will be on Eclipse Spyder insurance.
  • Safer occupants lowers premiums – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and thus lower rates. If your Mitsubishi Eclipse Spyder is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Liability coverage protects you – Your policy’s liability coverage will protect you when you are found to be at fault for damages from an accident. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Optional equipment can affect rates – Driving a car with anti-theft technology or alarm system can get you a discount on your insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Proper usage rating affects rates – The higher the mileage driven in a year the higher your rates will be. Most companies apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting qualify for better rates compared to those used for work or business. An improperly rated Eclipse Spyder can cost quite a bit. Ask your agent if your insurance declarations sheet is rated on the correct usage for each vehicle.
  • Older drivers save more – Teen drivers are statistically proven to be less responsible when driving so they pay higher insurance rates. Adding a youthful driver to your policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Small claims can cost you – Auto insurance companies give cheaper rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Your insurance policy is designed for the large, substantial claims.
  • Occupation reflects on rates – Occupations such as judges, business owners and stock brokers tend to pay the highest rates in part from high stress levels and long work hours. On the other hand, occupations such as farmers, students and retirees have the lowest average rates on Eclipse Spyder insurance.

Can switching companies really save?

Companies like Progressive, Allstate and Geico constantly bombard you with ads in print and on television. All the ads make the same claim of big savings if you switch to their company. But how can every company say the same thing?

All companies are able to cherry pick for the type of customer they prefer to insure. A good example of a desirable insured could be over the age of 50, is a homeowner, and has a high credit rating. Any driver who fits that profile gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who fall outside this ideal profile will be quoted higher premiums which leads to business going elsewhere. The ads say “people who switch” not “people who quote” save money. That is how insurance companies can claim big savings.

This emphasizes why you need to get quotes from several different companies. You cannot predict which company will fit your personal profile best.

Specific coverage details

Knowing the specifics of car insurance aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on the average car insurance policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, damage from getting keyed and hitting a deer. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – Collision insurance pays for damage to your Eclipse Spyder resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, rolling your car, crashing into a building, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Mitsubishi Eclipse Spyder.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, EMT expenses, surgery, pain medications and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability insurance – This coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like attorney fees, structural damage, bail bonds and medical services. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Power to the consumer

Discount 1998 Mitsubishi Eclipse Spyder insurance can be found from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

When trying to cut insurance costs, do not buy poor coverage just to save money. In many cases, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. The aim is to buy the best coverage you can find at the best price.

More information can be found at the links below