1999 Mitsubishi Eclipse Insurance Quotes – 8 Tips for Best Rates

Looking for cheaper car insurance rates for your Mitsubishi Eclipse? No one likes paying for car insurance, in particular when their premiums are too high.

With so many online and local companies to choose from, it’s difficult to choose the most affordable company.

Take advantage of discounts

Companies don’t always advertise all available discounts in an easy-to-find place, so here is a list some of the more common and also the lesser-known discounts you could be receiving.

  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Eclipse insurance than drivers with accident claims.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • E-sign – A handful of insurance companies give back up to $50 for buying your policy online.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Save over 55 – Older drivers may qualify for reduced rates for Eclipse insurance.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off for Eclipse insurance depending on your company.
  • Discount for Swiching Early – Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.

Consumers should know that most discounts do not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. So even though it sounds like you can get free auto insurance, insurance companies aren’t that generous.

To see a list of companies with discount insurance rates, follow this link.

The best way to get rate comparisons is to realize most insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is give them rating details including whether or not you need a SR-22, the ages of drivers, your occupation, and if you have a valid license. That rating data is instantly provided to insurance carriers in your area and they respond with quotes immediately.

To compare rates now, click here and complete the quick form.

How to know if you need help

When buying the best auto insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help highlight if you might need professional guidance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in my state?
  • Which is better, split liability limits or combined limits?
  • Who is covered by my policy?
  • Is my state a no-fault state?
  • Does liability extend to a camper or trailer?
  • Do I have newly-aquired coverage?
  • Am I covered if hit by an uninsured driver?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

What insurance coverages do you need?

Having a good grasp of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists 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 Mitsubishi Eclipse.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses for things like pain medications, nursing services, surgery and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

This coverage will cover damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, funeral expenses and structural damage. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision coverage

This pays for damage to your Eclipse caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, driving through your garage door, hitting a mailbox, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage pays for 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 hitting a bird, damage from getting keyed and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Save for a rainy day

Throughout this article, we presented some good ideas how to reduce 1999 Mitsubishi Eclipse insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, drivers have reduced collision coverage only to find out that they should have had better coverage. The aim is to buy the best coverage you can find for the lowest price while still protecting your assets.

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