2018 Mitsubishi Eclipse Cross Car Insurance Rates

If you’re searching for lower-cost insurance on the web, are you intimidated by the sheer number of auto insurance choices? Lot’s of other people are too. drivers have so many choices available that it can really be a difficult situation to find a cheaper company.

Eight things that affect your insurance premiums

The best way to find cheaper insurance coverage is to take a look at the rating factors that help determine the rates you pay for insurance coverage. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that could help you find lower premium levels.

  • Optional features impact insurance coverage rates – Selecting a car model with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent your vehicle from being stolen.
  • Annual mileage impacts prices – The more you drive every year the higher the price you pay to insure it. A lot of companies charge rates based upon how you use the vehicle. Autos that have low annual miles receive lower rates compared to those used for work or business. Improper usage on your Eclipse Cross may be costing you. It’s a good idea to make sure your policy correctly shows how each vehicle is driven.
  • Gender and insurance rates – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are better drivers. They both cause auto accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. In addition to higher claims, males also have more aggressive citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 cause the most accidents and therefore have the most expensive insurance coverage rates.
  • Save by staying claim free – Auto insurance companies award lower rates to people that do not abuse their auto insurance. If you tend to file frequent claims, you can expect higher premiums or even policy non-renewal. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Liability coverage preserves assets – Liability insurance will provide protection when you are responsible for an accident. Liability provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive when compared with rates for comp and collision, so do not skimp.
  • Extra coverages are wasting money – Insurance policies have a lot of additional extra coverages you can purchase on your Eclipse Cross policy. Add-on coverages like roadside assistance, towing coverage, and membership fees are probably not needed. These coverages may sound good when buying your policy, but if you have no use for them remove them from your policy.
  • Use credit responsibly and save – Having a bad credit score can be a huge factor in determining what you pay. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings. So if your credit score is not that good, you could save money insuring your 2018 Mitsubishi Eclipse Cross if you improve your credit rating.
  • Combine policies with the same company – Most insurance coverage companies provide better rates for people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount applied, it’s in your best interest to compare other company rates to guarantee you are still saving the most.

These discounts can slash auto insurance rates

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so the following list contains a few of the more well known as well as the least known credits available to bring down your rates.

  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% for Eclipse Cross insurance compared to rates paid by drivers with frequent claims.
  • Air Bags and Passive Restraints – Cars that have air bags can get savings of 20% or more.
  • Sign Early and Save – A few auto insurance companies give discounts for switching to them before your current coverage expires. It could save around 10% when you buy car insurance online.
  • Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
  • Good Grades Discount – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
  • ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Senior Citizen Discount – Drivers that qualify as senior citizens may qualify for a slight reduction on a car insurance quote for Eclipse Cross insurance.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower auto insurance rates.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you could get a free auto insurance policy, it just doesn’t work that way. But any discount should help reduce your auto insurance premiums.

Companies and some of their more popular discounts are:

  • State Farm has savings for driver’s education, defensive driving training, good driver, student away at school, Steer Clear safe driver discount, multiple policy, and anti-theft.
  • GEICO policyholders can earn discounts including anti-lock brakes, daytime running lights, federal employee, air bags, defensive driver, anti-theft, and multi-vehicle.
  • SAFECO discounts include accident prevention training, bundle discounts, multi-car, anti-theft, and safe driver.
  • Farmers Insurance has discounts for early shopping, pay in full, switch companies, electronic funds transfer, and homeowner.
  • AAA may include discounts for good driver, multi-car, good student, AAA membership discount, anti-theft, education and occupation, and pay-in-full.
  • USAA offers discounts for new vehicle, military installation, safe driver, vehicle storage, multi-vehicle, and good student.

If you want cheap car insurance quotes, ask every insurance company which discounts you qualify for. Depending on the company, some discounts may not apply in your area. To find providers with discount rates, click here to view.

Brand name doesn’t guarantee savings

Insurance coverage companies such as Allstate, GEICO and Progressive endlessly run ads on TV and radio. All the companies tend to make the same promise that drivers will save a bundle just by switching to their company. How can each company give you a lower rate? This is how they do it.

Companies require specific criteria for the type of driver they prefer to insure. An example of a driver they prefer may need to be over age 30, has never had a policy lapse, and chooses high deductibles. Any customer that fits those parameters receives the best prices and is almost guaranteed to save if they switch.

Drivers who are not a match for those standards will get higher premium rates which usually ends up with the customer not buying. Company advertisements say “people that switch” but not “all drivers who get quotes” save the amount stated. This is how companies can lure you into getting a quote.

Because every company is different, it’s extremely important to quote coverage with many companies. It is impossible to guess which company will have the lowest rate quotes.

When do I need an agent’s advice?

When choosing proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether you may require specific advice.

  • Is business property covered if stolen from my car?
  • Is my 2018 Mitsubishi Eclipse Cross covered for flood damage?
  • Where can I find DUI or SR-22 insurance?
  • When should I remove comp and collision on my 2018 Mitsubishi Eclipse Cross?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need PIP (personal injury protection) coverage in my state?

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, take a second and complete this form.

Coverages available on your car insurance policy

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2018 Mitsubishi Eclipse Cross.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, a broken windshield, falling objects, fire damage and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as dental work, funeral costs, nursing services and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Liability – Liability insurance provides protection from damage that occurs to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

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 liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as court costs, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Get your money’s worth

Insureds who switch companies do it for any number of reasons including unfair underwriting practices, an unsatisfactory settlement offer, not issuing a premium refund or even denial of a claim. Whatever your reason, finding a great new company can be less work than you think.

More affordable car insurance can be sourced both online and from local agencies, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies do not offer rate quotes online and usually these smaller providers prefer to sell through independent insurance agencies.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, someone dropped full coverage and found out when filing a claim that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at the best possible price.

Much more information about car insurance can be read at the links below