I can’t think of anyone who cherishes buying insurance, especially knowing their premiums are through the roof. There is such a variety of car insurance companies to pick from, and though it is a good thing to be able to choose, it makes it harder to find the lowest rates.
There are multiple methods you can shop for 1993 Mitsubishi Eclipse auto insurance and some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can utilize the web to achieve your goal.
Most of the larger companies participate in a marketplace that allows shoppers to complete one form, and each company then gives them pricing for coverage. This system prevents you from having to do quote forms to each individual auto insurance company. To compare 1993 Mitsubishi Eclipse rates now click to open in new window.
The only downside to doing it this way is you can’t choose which carriers you will receive quotes from. So if you want to choose specific insurance companies to compare, we have a page of the cheapest auto insurance companies in your area. Click to view list.
It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverage limits on every quote you get. If you have different deductibles it’s not possible to determine which rate is truly the best.
When buying coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.
Learning about specific coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.
Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Mitsubishi Eclipse.
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 very important. Frequently the UM/UIM limits are set the same as your liablity limits.
Comprehensive coverage (or Other than Collision) – This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like rock chips in glass, hitting a deer, damage from a tornado or hurricane and vandalism. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision coverage – Collision coverage covers damage to your Eclipse 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 can pay for claims like hitting a parking meter, crashing into a ditch, sideswiping another vehicle, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.
Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills like ambulance fees, X-ray expenses, doctor visits, rehabilitation expenses and nursing services. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
Liability insurance – Liability insurance provides protection from injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims such as emergency aid, attorney fees, bail bonds and medical expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.