1996 Mitsubishi Eclipse Car Insurance Quotes

Want the cheapest insurance rates for your Mitsubishi Eclipse? Are you sick and tired of paying out the nose each month for car insurance? Your situation is no different than many other drivers.

Big companies like Progressive, State Farm and Geico constantly bombard you with fancy advertisements and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

The best way to compare insurance rates in your area is to realize auto insurance companies allow for online access to give you rate quotes. The only thing you need to do is provide details such as coverage limits, your general credit rating, if a SR-22 is needed, and how much school you completed. Your insurance information is instantly provided to multiple different insurance companies and they respond with quotes very quickly.

More discounts equal less premium

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. A few discounts will automatically apply at quote time, but a few must be specifically requested before you get the savings.

  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Eclipse insurance with certain companies.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Eclipse insurance than less cautious drivers.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Driver Safety – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
  • Organization Discounts – Participating in certain professional organizations could qualify you for a break on your policy for Eclipse insurance.
  • Good Student Discount – Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Military Discounts – Being deployed with a military unit can result in better rates.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think you could get a free insurance policy, companies don’t profit that way. Any amount of discount will cut the amount you have to pay.

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

Some factors that can determine what Mitsubishi Eclipse insurance costs

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in lower auto insurance prices.

Listed below are a few of the “ingredients” used by your company to calculate premiums.

  • More than one policy can earn a discount – The majority of auto insurance companies give discounts to customers who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare rates to make sure you are getting the best deal. Consumers may find a better deal by buying auto insurance from a different company.
  • Rates may be higher depending on your occupation – Did you know your auto insurance rates can be affected by your occupation? Jobs such as real estate brokers, business owners and accountants tend to pay higher rates than average attributed to stressful work requirements and lengthy work days. On the flip side, professions such as scientists, athletes and performers have the lowest average rates for Eclipse insurance.
  • Safer cars cost less to insure – Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and any reduction in injury severity means lower claim amounts and lower rates for you. If your Mitsubishi scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Optional equipment can affect rates – Owning a car with a theft deterrent system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Liability insurance protects assets – Liability insurance will protect you if ever you are found liable for damages from an accident. Liability provides you with a defense in court starting from day one. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Adjust deductibles and save – Your deductibles define the amount you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, vandalism, and rolling your vehicle. The more the insured has to pay upfront, the less your auto insurance will be for Eclipse insurance.
  • Bad driving skills means higher rates – Your driving citation history has a big impact on rates. Drivers with clean records get better rates than their less careful counterparts. Just one citation may increase your cost forty percent or more. Drivers who have dangerous citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.

It’s not one size fits all

When buying proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions might help in determining if you may require specific advice.

  • Is motorclub coverage worth it?
  • Should I waive the damage coverage when renting a car?
  • At what point should I drop full coverage?
  • Is my custom paint covered by insurance?
  • Is pleasure use cheaper than using my 1996 Mitsubishi Eclipse to commute?
  • Am I covered when pulling a rental trailer?
  • Does my 1996 Mitsubishi Eclipse need full coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Buyer beware of insurance advertising tricks

Insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to say the same thing that you’ll save big if you switch your coverage to them. How can each company say the same thing?

Different companies are able to cherry pick for the right customer that is profitable for them. A good example of a preferred risk could possibly be between the ages of 30 and 50, is a homeowner, and has a short commute. A driver who fits that profile will qualify for the lowest rates and therefore will cut their rates substantially.

Drivers who don’t meet these standards must pay a higher premium which usually ends up with the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save that much money. That’s the way companies can state the savings.

This illustrates why it’s extremely important to get a wide range of price quotes. It’s not possible to predict which insurance company will provide you with the cheapest Mitsubishi Eclipse insurance rates.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, hitting a bird and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mitsubishi Eclipse.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage covers damage to your Eclipse caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, colliding with another moving vehicle, hitting a mailbox, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses such as rehabilitation expenses, pain medications, nursing services and doctor visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as 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 coverage

This can cover damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. Liability doesn’t 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. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, court costs and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Be a money saver!

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Budget-conscious 1996 Mitsubishi Eclipse insurance is definitely available on the web in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not provide online price quotes and these small insurance companies work with independent agents.

In this article, we covered many ways to shop for insurance online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

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