1996 Mitsubishi Eclipse Spyder Insurance Rates – 10 Tips for Cheapest Quotes

Looking for the cheapest insurance coverage rates? Shoppers have a choice when shopping for the lowest priced Mitsubishi Eclipse Spyder insurance. You can either waste hours struggling with agents to get rate comparisons or use the internet to get rate quotes.

There is a better way to shop for insurance coverage and we’ll show you the best way to price shop coverage for a Mitsubishi and find the cheapest rates from local insurance agents and online providers.

Discounts are available to cut your rates

Properly insuring your vehicles can get expensive, but companies offer discounts that many people don’t even know exist. Most are applied at the time of quoting, but a few need to be manually applied before you will receive the discount. If you aren’t receiving every discount possible, you are paying more than you should be.

  • No Accidents – Drivers who don’t have accidents pay much less compared to frequent claim filers.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Multi-policy Discount – If you have multiple policies with one company you may earn approximately 10% to 15%.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Clubs and Organizations – Participating in a professional or civic organization could trigger savings when shopping for car insurance on Eclipse Spyder coverage.
  • Defensive Driver – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in school.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

A partial list of companies who might offer these money-saving discounts may include but are not limited to:

Before buying, ask each company how you can save money. Savings might not apply in your state.

Everyone needs different coverages

When buying the right insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions may help you determine whether you will benefit from professional help.

  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if I drive in a foreign country?
  • Is upholstery damage covered by car insurance?
  • Do I need roadside assistance coverage?
  • What can I do if my company denied a claim?
  • Do I have coverage if my license is suspended?
  • How can I find cheaper teen driver insurance?
  • If my 1996 Mitsubishi Eclipse Spyder is totaled, can I afford another vehicle?
  • Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Coverages available on your policy

Having a good grasp of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Auto liability

Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like attorney fees, medical expenses, structural damage, emergency aid and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like rehabilitation expenses, X-ray expenses, doctor visits, funeral costs and nursing services. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, damage from a tornado or hurricane and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

This covers damage to your Eclipse Spyder caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, crashing into a building, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Shop smart and save

Cheap 1996 Mitsubishi Eclipse Spyder insurance is available online and with local insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

You just learned many ideas to get a better price on insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from an unexpected company.

Consumers change insurance companies for a variety of reasons including denial of a claim, policy cancellation, poor customer service or even policy non-renewal. Whatever your reason, choosing a new company can be pretty painless.

Additional car insurance information can be read on the following sites: