2001 Mitsubishi Eclipse Car Insurance Quotes – 10 Tips for Cheapest Rates

Want cheaper insurance rates for your Mitsubishi Eclipse? No one looks forward to paying for insurance, especially when they are paying too much.

Because there are so many companies and agents to choose from, it can be impossible to pick the lowest price company.

It’s important to compare prices periodically since rates are constantly changing. Just because you had the lowest rates on Eclipse insurance a year ago you will most likely find a better rate today. There is a lot of bad advice regarding insurance on the internet, so by reading this article, you’re going to learn a lot of great tips on how to reduce your insurance bill.

Quick Insurance Coverage Quotes

All major insurance coverage companies allow you to get coverage price quotes online. Getting online rates doesn’t take much effort as you simply type in the coverage amounts you desire into the quote form. Behind the scenes, the company’s rating system orders your credit score and driving record and returns a price quote determined by many factors. Online quotes helps simplify price comparisons, but the time required to go to different websites and complete many quote forms can be a bit tiresome and repetitive. But it’s absolutely necessary to do this if you are searching for lower prices.

A quicker way to get multiple rate quotes uses one form that gets prices from a bunch of companies at once. It saves time, requires less work, and makes online quotes a lot less work. As soon as the form is sent, your coverage is rated and you can select any or none of the quote results.

If a lower price is quoted, you simply finish the application and buy the policy. The whole process can be completed in less than 10 minutes and you’ll know if lower rates are available.

If you want to compare rates now, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you type in the insurance coverages as close as possible to your current policy. This helps ensure you will receive a fair comparison based on similar coverages.

Don’t overlook these ten discounts

The cost of insuring your cars can be expensive, but you can get discounts to help bring down the price. Most are applied at the time of quoting, but a few need to be inquired about before they will apply.

  • Payment Method – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Homeowners Pay Less – Owning a house can save you money because maintaining a house shows financial diligence.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Clubs and Organizations – Belonging to certain professional organizations could trigger savings when shopping for car insurance on Eclipse insurance.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • 55 and Retired – Older drivers may qualify for reduced rates on Eclipse insurance.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Eclipse insurance depending on your company.
  • Save with a New Car – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.

It’s important to understand that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce your overall premium however.

To see a list of providers offering car insurance discounts, click here to view.

Is my situation unique?

When buying the best insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance needs to address that. For instance, these questions might help in determining if your situation might need professional guidance.

  • What is the difference between comprehensive and collision coverage?
  • Does insurance cover damages from a DUI accident?
  • Am I covered when delivering products for my home-based business?
  • Is my dog or cat covered if injured in an accident?
  • Why am I required to buy liability insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are rock chip repairs covered?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my teen driver covered when they drive my company car?
  • Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance coverages for a 2001 Mitsubishi Eclipse

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Liability coverages

This coverage provides protection from damage that occurs to other people or property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like funeral expenses, attorney fees, medical expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as doctor visits, hospital visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, hitting a deer and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mitsubishi Eclipse.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.