View 2003 Mitsubishi Eclipse Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Mitsubishi Eclipse? Finding cheaper insurance for a Mitsubishi Eclipse could be difficult, but you can use the following methods and make it easy.

There is a better way to shop for insurance coverage and we’ll show you the proper way to quote coverages on a Mitsubishi and obtain the lowest price from local insurance agents and online providers.

Buying the best coverage is quite easy. If you have a current insurance coverage policy or need new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Vehicle owners only need an understanding of the proper way to compare rates over the internet.

Why your Mitsubishi Eclipse insurance rates may be high

An important part of buying insurance is that you know the factors that help determine the rates you pay for insurance. Knowing what influences your rates helps enable you to make changes that will entitle you to better insurance rates.

  • Where you live can impact rates – Being located in a small town is a positive aspect when buying insurance. Less people living in that area means reduced accidents as well as less vandalism and auto theft. Drivers who live in large cities tend to have more traffic problems and much longer commute distances. Longer commute distances means more change of being in an accident.
  • Multi-policy discounts can save money – The majority of insurance companies provide better rates to people who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to verify if the discount is saving money. Consumers may find a better deal by buying insurance from a different company.
  • Don’t skimp on liability – The liability section of your policy is the protection if ever a court rules you are at fault for damages caused by your negligence. Liability provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Your spouse saves you money – Being married can get you a discount when buying insurance. It usually means you are more mature and responsible and statistics show married couples file fewer claims.
  • Sex matters – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Both sexes have accidents in similar percentages, but men have costlier accidents. Men also get more serious tickets such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • How’s your driving record? – Your driving record impacts your car insurance rates tremendously. Good drivers receive lower rates than people who have multiple driving citations. Just one citation can increase rates forty percent or more. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Claim-free discounts can add up – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies generally give better rates to drivers who are claim-free. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • High deductibles save money – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mitsubishi. Some instances where coverage would apply could be a windshield shattered by a rock, vandalism, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Eclipse insurance.

Do you qualify for discounts?

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be specifically requested before you will receive the discount. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Accident Forgiveness – Some insurance companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Bundle and Save – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way. Any qualifying discounts will cut your premiums.

For a list of providers with the best auto insurance discounts, click here.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if you would benefit from an agent’s advice.

  • Will my insurance pay for OEM parts?
  • Why do I need rental car insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • What can I do if my company denied a claim?
  • Do I have any recourse if my insurance company denies a claim?
  • Can my teen drive my company car?
  • Why am I required to get a high-risk car insurance policy?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Parts of your insurance policy

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage – This protects you from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as funeral expenses, loss of income, bail bonds, structural damage and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses for hospital visits, EMT expenses, pain medications and ambulance fees. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, vandalism, a broken windshield and rock chips in glass. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – This will pay to fix damage to your Eclipse caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, crashing into a building, damaging your car on a curb, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

And the best car insurance company is…

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. Your goal should be to get the best coverage possible at the best price.

Budget-conscious 2003 Mitsubishi Eclipse insurance is attainable both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

People who switch companies do it for any number of reasons including not issuing a premium refund, delays in responding to claim requests, an unsatisfactory settlement offer or extreme rates for teen drivers. It doesn’t matter what your reason, finding the right insurance coverage provider can be pretty painless.

More detailed insurance coverage information can be read by following these links: