1994 Mitsubishi Eclipse Car Insurance Cost – 9 Tips for Best Prices

Looking for the cheapest car insurance rates for your Mitsubishi Eclipse? Finding low cost prices on car insurance is always nearly impossible for beginners to quoting and comparing rates online. With such a large number of companies in the marketplace, it can quickly become hard work to find more affordable car insurance rates.

It’s a good idea to get comparison quotes as often as possible because insurance rates trend upward over time. Even if you got the best premium rates for Eclipse insurance at your last renewal there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use online quotes to save money, get proper coverage and the best rates.

How to buy car insurance online

When comparison shopping, there are several ways of comparing price quotes from all the different companies. The fastest way to find affordable 1994 Mitsubishi Eclipse insurance rates is to get quotes online. This can be accomplished in a couple minutes as outlined below.

  1. If you don’t have a lot of time, the easiest way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This style of form keeps you from doing a different quote for every company. A single, simple form will get you rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.
  2. A more time consuming way to get quotes online requires you to visit the website of each company to complete their respective quote request forms. For examples sake, let’s assume you need rates from Farmers, Safeco and GEICO. You would have to visit each site and repeatedly enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.
  3. The final way to do your price quoting is actually driving to insurance agents’ offices. Comparing online rate quotes makes this process obsolete unless you require the guidance that can only be provided by a licensed insurance agent. It is possible to compare online quotes but buy from a local insurance agent.

You can use whichever method you prefer to find lower rates, just be sure to compare identical coverage limits and deductibles on every price quote you get. If you have higher or lower deductibles it will be next to impossible to determine the best price for your Mitsubishi Eclipse. Slightly different insurance coverages or limits could throw off the whole comparison. And when quoting car insurance, remember that more quotes helps you find more affordable insurance.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different.

For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I buy additional glass protection?
  • Is upholstery damage covered by car insurance?
  • Am I covered if my car is in a flood?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

Auto insurance 101

Knowing the specifics of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Mitsubishi Eclipse.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, hitting a bird, vandalism and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

This provides protection from damage or injury you incur to a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, structural damage, legal defense fees, medical services and attorney fees. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for chiropractic care, hospital visits and surgery. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage pays for damage to your Eclipse from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.