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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
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.
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.
Even more information can be read at these sites: