Cheap 2007 Mitsubishi Eclipse Car Insurance Quotes

Finding better rates for insurance can be challenging for beginners to shopping for insurance online. People have so many choices that it can quickly become a lot of work to find lower rates.

Take discounts and save

Auto insurance companies do not advertise all their discounts very clearly, so we break down both the well known and also the lesser-known discounts you could be receiving.

  • Resident Student – Kids in college who live away from home and don’t have a car may qualify for this discount.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Eclipse insurance than their less cautious counterparts.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Auto/Home Discount – If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.
  • No Charge for an Accident – A few companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates on your policy on Eclipse insurance.

A little note about advertised discounts, most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of providers who offer insurance coverage discounts, follow this link.

Which policy gives me the best coverage?

When choosing the best auto insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if your situation may require specific advice.

  • How high should my medical payments coverage be?
  • Does having multiple vehicles earn me a discount?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I better off with higher deductibles on my 2007 Mitsubishi Eclipse?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered if I break a side mirror?
  • Which companies will insure high-risk drivers?
  • I have a DUI can I still get coverage?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages

Having a good grasp of insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverages

Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, medical services and attorney fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses for things like hospital visits, ambulance fees, rehabilitation expenses and nursing services. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Collision protection

Collision coverage will pay to fix damage to your Eclipse from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, backing into a parked car, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, a tree branch falling on your vehicle, a broken windshield and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

One last thing

Consumers change insurance companies for a variety of reasons including delays in responding to claim requests, policy non-renewal, an unsatisfactory settlement offer and high rates after DUI convictions. It doesn’t matter why you want to switch switching auto insurance companies is pretty simple and you could end up saving a buck or two.

We’ve covered many tips how you can shop for 2007 Mitsubishi Eclipse insurance online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with a small mutual company.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There are many occasions where someone sacrificed uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at a price you can afford.

Much more information about auto insurance is located at these links: