2004 Mitsubishi Eclipse Spyder Car Insurance Quotes

Tired of paying out the nose to buy car insurance? Your situation is no different than most other car owners. Big companies like Progressive, GEICO and Farmers Insurance all promote huge savings with ads and consumers find it hard to sift through the bull and find the best price available.

Vehicle Insurance Comparison

Shopping for lower insurance rates can be exhausting if you don’t know the easiest way. You can spend your afternoon driving to agents in your area, or you can stay home and use online quotes for quick rates.

Most car insurance companies participate in a marketplace that enables customers to submit one quote, and every company then gives them pricing determined by their information. This eliminates the need for quotation requests to each individual insurance company.

To compare 2004 Mitsubishi Eclipse Spyder rates now click here to open in new window.

One minor caviat to using this type of form is you don’t know exactly which providers you will receive quotes from. If you prefer to choose specific insurance companies to compare prices, we put together a list of insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using the exact same coverage limits and deductibles on every quote. If your comparisons have different limits and deductibles on each one it’s not possible to determine the lowest rate for your Mitsubishi Eclipse Spyder.

Don’t believe everything you hear

Consumers constantly see and hear ads for cheaper car insurance by companies like Allstate and Progressive. They all seem to make an identical promise that you can save if you switch to them.

How do they all make the same claim?

All companies can use profiling for the right customer that is profitable for them. For instance, a driver they prefer could be over the age of 40, insures multiple vehicles, and has a high credit rating. Any new insured who meets those qualifications gets the lowest rates and most likely will save quite a bit of money when switching.

Drivers who don’t meet the requirements will be quoted a higher premium which leads to the customer not buying. The ad wording is “people who switch” not “people who quote” save that kind of money. That’s the way insurance companies can make the claims of big savings.

This emphasizes why it’s extremely important to quote coverage with many companies. Because you never know the company that will fit your personal profile best.

Pay less for 2004 Mitsubishi Eclipse Spyder insurance

Insuring your vehicles can cost a lot, but there are discounts available to reduce the price significantly. Some trigger automatically at the time of purchase, but less common discounts must be asked for before you get the savings. If they aren’t giving you every credit available, you are throwing money away.

  • Memberships – Participating in certain professional organizations could trigger savings on auto insurance on Eclipse Spyder insurance.
  • Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Driver’s Ed – Have your child successfully complete driver’s ed class in school.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
  • Low Mileage Discounts – Fewer annual miles on your Mitsubishi can qualify you for a substantially lower rate.

Keep in mind that some of the credits will not apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. But all discounts will reduce the amount you have to pay.

A partial list of companies that may offer some of the above discounts include:

Check with all companies you are considering which discounts they offer. Some discounts might not be offered in your area.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help highlight if you might need an agent’s assistance.

  • Can I make deliveries for my home business?
  • Am I covered if I drive in a foreign country?
  • Why does it cost so much to insure a teen driver?
  • Do I benefit by insuring my home with the same company?
  • How much liability do I need to cover my assets?
  • Are rock chip repairs covered?
  • Will I lose any money if I cancel my policy before it expires?
  • Who is covered when they drive my 2004 Mitsubishi Eclipse Spyder?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Auto insurance coverage considerations

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.

Collision coverage

This coverage will pay to fix damage to your Eclipse Spyder caused by collision 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 coverage pays for claims such as colliding with another moving vehicle, hitting a mailbox, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like pain medications, EMT expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability

Liability insurance protects you from damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for 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. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like structural damage, repair costs for stationary objects, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from getting keyed and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Power to the consumer

Cheap 2004 Mitsubishi Eclipse Spyder insurance can be purchased both online as well as from independent agents, and you need to price shop both to get a complete price analysis. A few companies don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We just showed you a lot of ways to save on insurance. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with the least-expected company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

Much more information about car insurance can be found at these links: