2000 Mitsubishi Eclipse Insurance Quotes – 9 Tricks for Cheaper Rates

Do you get frustrated by the wide range of insurance coverage companies available to you? You’re not alone. There are so many choices that it can turn into a difficult challenge to find a more affordable company.

How to compare auto insurance price quotes

There are several ways to get quotes from many different insurance companies. The recommended way to comparison shop is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

  • Hands down the most simple method to get the best comparison quotes is a comparison rater form like this one (opens in new window). This method keeps you from doing separate quotes for each price estimate. A single form gets you price quotes direct from many companies. Just one form and you’re done.
  • A slightly less efficient method to get quotes online is to manually visit each company’s website and fill out their own quote form. For sake of this example, let’s say you want to compare prices for Liberty Mutual, GEICO and Progressive. To get each rate you have to spend time on each company’s site and type in your information over and over, which can get old fast.

    To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make darn sure you compare nearly identical coverage information on every price quote you get. If you have mixed coverages you will not be able to make an equal comparison. Even a minor difference in insurance coverages may result in a large different in cost. Just keep in mind that making a lot of price comparisons provides better odds of finding more affordable rates.

Car insurance policy discounts you can’t miss

Companies that sell car insurance don’t always publicize all possible discounts very clearly, so the below list has some of the more common and the harder-to-find discounts that may be available.

  • Defensive Driver Discounts – Passing a defensive driving course may get you a small discount and easily recoup the cost of the course.
  • Save over 55 – Seniors could receive a slight reduction on a auto insurance quote for Eclipse coverage.
  • Accident-Free Discounts – Claim-free drivers pay less when compared to drivers with a long claim history.
  • Drive Safe and Save – Insureds without accidents can save up to 40% or more on their auto insurance quote for Eclipse coverage compared to accident prone drivers.
  • Smart Student Discounts – Excelling in school may save as much as 25% on a auto insurance quote. You can use this discount normally up until you turn 25.
  • Air Bag Discount – Options like air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Discounts for Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.
  • Military Deployment Discount – Being on active duty in the military may lower your premium rates slightly.
  • Homeowners Discount – Being a homeowner can save a few bucks because of the fact that having a home requires a higher level of personal finance.

Don’t be shocked that many deductions do not apply the the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

A list of car insurance companies and a selection of discounts can be found below.

  • Progressive may offer discounts for multi-vehicle, online signing, multi-policy, good student, online quote discount, continuous coverage, and homeowner.
  • MetLife offers discounts including claim-free, good student, good driver, multi-policy, accident-free, defensive driver
  • Mercury Insurance offers premium reductions for good student, multi-car, age of vehicle, multi-policy, good driver, location of vehicle, and type of vehicle.
  • Nationwide discounts include good student, easy pay, multi-policy, anti-theft, defensive driving, accident-free, and Farm Bureau membership.
  • GEICO has discounts for driver training, daytime running lights, defensive driver, good student, federal employee, and air bags.
  • AAA offers discounts for anti-theft, AAA membership discount, multi-policy, education and occupation, good student, good driver, and multi-car.

Check with all the companies the best way to save money. Some discounts may not apply to policies in your area. If you would like to view insurance companies that can offer you the previously mentioned discounts, click here.

Insurance agents can help

When buying coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different.

These are some specific questions can help discover whether you would benefit from an agent’s advice.

  • Should I buy only the required minimum liability coverage?
  • Is extra glass coverage worth it?
  • Do I need added coverage for expensive stereo equipment?
  • Can I afford to pay high deductible claims out of pocket?
  • Are my friends covered when driving my 2000 Mitsubishi Eclipse?
  • Are rental cars covered under my policy?
  • When does my teenage driver need to be added to my policy?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

What insurance coverages do you need?

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as ambulance fees, nursing services and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, vandalism, damage from a tornado or hurricane, hitting a deer and theft. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability 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 $100,000 of coverage for damaged propery.

Liability can pay for things like funeral expenses, bail bonds and court costs. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto collision coverage

Collision coverage pays for damage to your Eclipse from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, driving through your garage door, backing into a parked car, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Save for a rainy day

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

The cheapest 2000 Mitsubishi Eclipse insurance can be found online and also from your neighborhood agents, so you need to quote auto insurance with both to have the best selection. A few companies don’t offer online rate quotes and usually these smaller providers only sell coverage through independent agencies.

Consumers who switch companies do it for a number of reasons such as poor customer service, questionable increases in premium, not issuing a premium refund or high prices. It doesn’t matter why you want to switch switching companies can be pretty painless.

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