How Much Does 2006 Mitsubishi Eclipse Car Insurance Cost?

Finding lower premiums on insurance coverage can be a challenge for people who are new to comparison shopping online. There are so many options available that it can be more work than you anticipated to locate the lowest price.

How to Lower Your Insurance Cost

When shopping for insurance there are multiple ways of comparing price quotes and find the best price. The simplest method to find the lowest 2006 Mitsubishi Eclipse rates is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The fastest way consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do separate forms for each company. Filling out one form gets you coverage quotes instantly. Just one form and you’re done.
  2. A slightly less efficient method to get comparison quotes is spending the time to visit each company’s website to request a price quote. For examples sake, let’s say you want to compare rates from State Farm, 21st Century and American Family. To get each rate you have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but compare exactly the same coverages and limits for every company. If you are comparing different values for each quote then you won’t be able to find the best deal for your Mitsubishi Eclipse. Quoting even small variations in coverage limits may cause a big price difference. Just keep in mind that having more price comparisons will enable you to find better pricing.

Take discounts and save

Companies that sell car insurance don’t always list every available discount very clearly, so we took the time to find both the well known and the harder-to-find insurance savings.

  • Discount for Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
  • Student in College – Youth drivers living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Eclipse insurance with certain companies.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates if your claims history is clear for a set time period.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for Eclipse insurance.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Homeowners Discount – Simply owning a home may trigger a insurance policy discount because of the fact that having a home shows financial diligence.
  • Club Memberships – Belonging to a civic or occupational organization could qualify you for a break on your policy for Eclipse insurance.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous.

Companies who might offer these money-saving discounts are:

Before buying, ask every prospective company which discounts they offer. Some discounts may not apply in your state.

Which policy gives me the best coverage?

When buying coverage, there is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

  • Do I need roadside assistance coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What should my uninsured motorist coverage limits be in my state?
  • How can I force my company to pay a claim?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Pieces of the Mitsubishi Eclipse insurance rate puzzle

An important part of buying insurance is that you know the different types of things that go into determining your insurance coverage rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get big savings.

  • Older drivers pay less – Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are known to be less responsible when behind the wheel therefore insurance coverage rates are much higher.
  • Pleasure use or commuting – The more you drive in a year’s time the higher your rate. The majority of insurers rate vehicles based on how the vehicle is used. Autos not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your insurance coverage policy is showing the correct driver usage, because it can save money. If your policy improperly rates your Eclipse may be wasting your money.
  • One company can mean more discounts – Many insurance coverage companies provide better rates to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare rates to ensure the best deal.
  • A clean driving record saves money – Your driving citation history has a big impact on rates. Just one ticket can increase rates forty percent or more. Good drivers receive lower rates than people who have multiple driving citations. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Save money with special equipment – Owning a car with an alarm system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • Safe vehicles cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Mitsubishi Eclipse has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Auto insurance coverages

Knowing the specifics of insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

This will pay to fix damage to your Eclipse resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, crashing into a ditch, colliding with a tree, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses for things like pain medications, funeral costs and surgery. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as repair bills for other people’s vehicles, court costs, legal defense fees and attorney fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, a broken windshield, a tree branch falling on your vehicle and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2006 Mitsubishi Eclipse.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Money doesn’t grow on trees

Throughout this article, we presented many ideas to reduce 2006 Mitsubishi Eclipse insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from the least-expected company.

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where an accident victim reduced full coverage only to discover later that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Affordable insurance can be found on the web as well as from independent agents, so compare prices from both to have the best selection. A few companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

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