Lower Your 2004 Mitsubishi Eclipse Car Insurance Quotes

Looking for better auto insurance rates? Shoppers have many options when shopping for the best price on Mitsubishi Eclipse insurance. They can either waste time calling around to get rate comparisons or utilize the internet to get rate quotes.

There are more efficient ways to compare auto insurance rates and we’ll show you the proper way to get price quotes for a Mitsubishi and obtain the best price possible from both online companies and local agents.

Quick Auto Insurance Quotes

Cutting your auto insurance rates is surprisingly easy. You just need to invest a little time comparing price quotes online with multiple companies. This can be accomplished in a couple of different ways.

The most efficient way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do separate forms for each company you want a rate for. One simple form gets you coverage quotes from multiple companies. Recommended for those who want to invest the least amount of time.

A harder way to get quotes online is to manually visit each company’s website and complete a new quote form. For sake of this example, we’ll pretend you want comparison quotes from GEICO, Safeco and Allstate. You would have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverages and limits for every quote you compare. If your comparisons have different liability limits it’s not possible to make an equal comparison.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don’t even know exist. Larger premium reductions will be automatically applied when you quote, but a few must be asked for prior to getting the savings. If you don’t get every credit you qualify for, you are throwing money away.

  • Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Senior Citizens – Older drivers may be able to get a discount up to 10% on Eclipse insurance.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Memberships – Affiliation with a qualifying organization could trigger savings when shopping for insurance on Eclipse insurance.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared with frequent claim filers.
  • Auto/Home Discount – When you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Student Driver Training – Require your teen driver to complete a driver education course in high school.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.

It’s important to note that some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck. Any qualifying discounts will bring down the amount you have to pay.

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

When might I need an agent?

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

  • Is there coverage for injuries to my pets?
  • Does car insurance cover theft of personal property?
  • What is covered by UM/UIM coverage?
  • Is my custom paint covered by insurance?
  • How much liability do I need to cover my assets?
  • What if I total my 2004 Mitsubishi Eclipse and owe more than it’s worth?
  • How do I insure my teen driver?
  • What is roadside assistance coverage?
  • Am I covered when driving on a suspended license?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Coverage specifics

Having a good grasp of insurance 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.

Auto collision coverage

This pays for damage to your Eclipse resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, backing into a parked car, crashing into a building, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, fire damage, falling objects and theft. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Mitsubishi Eclipse.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like ambulance fees, hospital visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability coverages

This can cover damage that occurs to people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects, emergency aid and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.