1990 Mitsubishi Eclipse Insurance Rates

Want lower car insurance rates for your Mitsubishi Eclipse? Feel like you’re a prisoner to high-priced car insurance? Trust us, you are not the only one feeling buyer’s remorse.

You have so many car insurance companies to insure vehicles with, and though it is a good thing to have a choice, it makes it harder to compare company pricing.

Finding affordable coverage is easy if you know what you’re doing. Essentially everyone who is shopping for auto insurance most likely will be able to lower their premiums. But vehicle owners must comprehend how big insurance companies price online insurance and use this information to your advantage.

Automobile Insurance Quotes

All major insurance companies give prices on their websites. This process doesn’t take much effort as you just enter your coverage information into a form. After you submit the form their system obtains your driving and credit reports and quotes a price. Online price quotes streamlines rate comparisons, but the work required to visit different websites and enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to perform this step in order to get the lowest insurance rates.

The easy way to compare rates

An easier way to compare insurance pricing requires only one form to return rates from several different companies. The form is fast, requires less work, and makes online shopping a little more enjoyable. As soon as the form is sent, your coverage is rated with multiple companies and you can pick your choice of the quotes that you receive. If you find a better price you can simply submit the application and purchase the new policy. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To quickly find out what other companies charge, click here and enter your information. To compare your current rates, we recommend you copy deductibles and limits as close as possible to your current policy. This ensures you’re receiving rate quotes based on identical coverages.

Don’t miss these discounts

Car insurance companies don’t always advertise every available discount in an easy-to-find place, so here is a list both the well known as well as the least known savings tricks you should be using.

  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • No Charge for an Accident – A handful of insurance companies permit an accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Save over 55 – Older drivers may be able to get reduced rates on Eclipse insurance.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Eclipse insurance with a few auto insurance companies.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

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

When might I need help?

When it comes to choosing the best car insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Do I pay less for low miles?
  • Am I covered if my car is in a flood?
  • Can I afford to buy a different vehicle if my 1990 Mitsubishi Eclipse is totaled?
  • Can I get a multi-policy discount?
  • Do I have newly-aquired coverage?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Understanding the coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, fire damage, a broken windshield and theft. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Mitsubishi Eclipse.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision protection

Collision coverage will pay to fix damage to your Eclipse resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, rolling your car, hitting a parking meter, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

This can cover damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as loss of income, pain and suffering, repair costs for stationary objects, court costs and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills such as chiropractic care, nursing services, ambulance fees, funeral costs and EMT expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay