View 2003 Mitsubishi Eclipse Spyder Insurance Quotes

Scraping up a payment for overpriced Mitsubishi Eclipse Spyder insurance can dwindle your personal savings and force you to prioritize other expenses. Shopping your coverage around is a smart way to slash your bill and have more diposable income. Companies like Allstate, Progressive and Geico all claim big savings with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

You should make it a habit to shop coverage around periodically because prices are constantly changing. Just because you had the lowest rates on Eclipse Spyder coverage two years ago you will most likely find a better rate today. Starting now, ignore everything you know about auto insurance because I’m going to teach you one of the best ways to find better rates and still maintain coverage.

If you have a policy now or are looking for a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Buying car insurance is quite easy. Vehicle owners only need to know the proper methods to compare price quotes online.

How to Get Cheap Insurance Coverage

There are a lot of ways to shop for insurance coverage, but there is one way that is more efficient than others. You can waste a few hours (or days) talking about coverages with agents in your area, or you could use online quotes to get pricing more quickly.

Most of the larger companies belong to a marketplace where prospective buyers only type in their quote data once, and each participating company then returns a price quote for coverage. This eliminates the need for quote requests to each individual insurance coverage company.

To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to doing it this way is you don’t know exactly which companies you want to price. So if you want to choose from a list of companies to compare prices, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but compare the exact same coverage limits and deductibles with every price quote. If you are comparing unequal deductibles or liability limits then you won’t be able to decipher which rate is best.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different so this has to be addressed. For example, these questions may help highlight whether your personal situation might need professional guidance.

  • Does my 2003 Mitsubishi Eclipse Spyder need full coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I sign the liability waiver when renting a car?
  • Am I insured when driving a different vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I have combined single limit or split liability limits?
  • Which companies will insure high-risk drivers?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

The coverage is in the details

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they 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.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments – Med pay and PIP coverage reimburse you for expenses like hospital visits, ambulance fees and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, damage from a tornado or hurricane, theft, fire damage and a broken windshield. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability – This provides protection from damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like medical services, structural damage, repair bills for other people’s vehicles and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your Eclipse Spyder resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.