1992 Mitsubishi Eclipse Insurance Rates

Have you fallen victim to an underperforming, overpriced auto insurance policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their auto insurance policy. Companies like Allstate, Progressive and Geico continually bombard you with TV and radio ads and it can be hard to ignore the propoganda and take the time to shop coverage around.

It’s a great practice to compare prices once or twice a year since rates are variable and change quite frequently. Even if you got the best deal for Eclipse insurance a year ago you may be paying too much now. Starting right now, forget anything you know (or think you know) about auto insurance because you’re going to learn the only way to lower your annual insurance bill.

If you have a policy now or need new coverage, you can learn to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you is not rocket science. Consumers only need to know the most effective way to shop online.

The quickest way to get rate comparisons is to understand auto insurance companies allow for online access to quote your coverage. To begin a comparison, all you need to do is provide details such as level of coverage desired, whether you are single or married, if it has an anti-theft system, and whether your vehicle is owned or leased. The rating information gets transmitted to multiple different insurance companies and you get price estimates quickly.

To compare multiple company rates now, click here and enter your coverage details.

Which insurance is the “right” coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

• Does liability extend to a camper or trailer?
• Do I need an umbrella policy?
• How high should my uninsured/underinsured coverage be in my state?
• How do I buy GAP insurance?
• What is an SR-22 filing?
• How much liability coverage do I need in my state?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Insurance policy specifics

Understanding the coverages of your insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Coverage for collisions

Collision insurance will pay to fix damage to your Eclipse caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, crashing into a ditch, backing into a parked car and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage pay for expenses like surgery, dental work and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage will cover damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like court costs, emergency aid, bail bonds, legal defense fees and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM Coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for 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, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, hail damage, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.