2008 Mitsubishi Eclipse Spyder Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm constantly bombard you with catchy ads and consumers find it hard to see past the geckos and flying pigs and find the best price available.

You should take the time to get comparison quotes once or twice a year because insurance rates are usually higher with each renewal. Just because you found the best deal for Eclipse Spyder insurance on your last policy other companies may now be cheaper. Starting now, forget all the misinformation about auto insurance because you’re about to learn the fastest way to lower your annual insurance bill.

Don’t miss these discounts

Car insurance companies don’t necessarily list every discount very clearly, so we break down some of the best known and the more hidden auto insurance savings.

  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Eclipse Spyder insurance than their less cautious counterparts.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you could get a discount of approximately 10% to 15%.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% for Eclipse Spyder insurance depending on your company.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Distant Student – Children who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurance companies with the best auto insurance discounts, click this link.

Car Insurance Quote Comparison

All major car insurance companies such as State Farm, Allstate and Geico give prices for coverage directly from their websites. Getting quotes is pretty painless as you simply type in the coverage amounts you desire into a form. Once entered, their rating system collects your credit score and driving record and returns a price quote based on these factors. Online quotes makes comparing rates easy, but the time it takes to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to get many rate quotes in order to find the lowest car insurance rates.

Quote rates the easy way

A quicker way to compare car insurance pricing utilizes a single form to obtain quotes from a bunch of companies at once. The form is fast, reduces the work, and makes online price comparison much more enjoyable. After sending the form, it is quoted and you can choose any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The entire process just takes a couple of minutes and could lower your rates considerably.

To quickly compare rates using this form now, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you copy your coverages just like they are on your policy. This way, you will have a rate comparison for exact coverage.

When might I need help?

When choosing proper insurance coverage, there really is not a cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How much liability coverage do I need in my state?
  • Am I covered if hit by an uninsured driver?
  • At what point should I drop full coverage?
  • What can I do if my company denied a claim?
  • Is upholstery damage covered by car insurance?
  • What vehicles should carry emergency assistance coverage?
  • How high should my medical payments coverage be?
  • Am I covered if I wreck a rental car?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverages

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, X-ray expenses, chiropractic care, EMT expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, damage from a tornado or hurricane and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as bail bonds, loss of income and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance pays for damage to your Eclipse Spyder resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Mitsubishi Eclipse Spyder.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Pennies from heaven

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. In too many instances, an accident victim reduced liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Budget-conscious 2008 Mitsubishi Eclipse Spyder insurance is definitely available on the web and with local insurance agents, and you should be comparing both to have the best rate selection. Some auto insurance companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Much more information about auto insurance can be read below: