Cheap 1995 Mitsubishi Eclipse Insurance Quotes

Trying to find better insurance prices for your Mitsubishi Eclipse could be an all-consuming task, but you can follow our insurance buying tips and make it easy.

There is a right way and a wrong way to compare insurance rates and you need to know the absolute fastest way to get price quotes for your Mitsubishi and find the cheapest rates.

It’s smart to compare prices occasionally because insurance prices tend to go up over time. Just because you found the lowest rates for Eclipse coverage a few years ago you may be paying too much now. Forget all the misinformation about insurance because you’re about to find out the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

Take advantage of every insurance discount

Some providers don’t always advertise every discount very clearly, so the list below gives a summary of a few of the more well known and also the more inconspicuous discounts that may be available.

  • Discounts for Multiple Vehicles – Having multiple vehicles with one company qualifies for this discount.
  • Driver Education Discount – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • Telematics Data – Policyholders that allow companies to spy on vehicle usage by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they are good drivers.
  • Sign Early and Save – A few insurance companies give discounts for renewing your policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Discount for Low Mileage – Maintaining low annual mileage could be rewarded with discounted rates on garaged vehicles.
  • Lower Rates for Military – Being on active duty in the military could qualify you for better premium rates.
  • Senior Citizens – Drivers over the age of 55 are able to get a slight reduction on a insurance coverage quote for Eclipse coverage.
  • Professional Organizations – Participating in a civic or occupational organization may earn a discount when shopping for insurance.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. Most companies allow this discount up to age 25.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life insurance policy as well.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Some of the insurance companies who may offer these money-saving discounts may include but are not limited to:

When quoting, ask all the companies which discounts can lower your rates. Discounts may not be offered in your area. For a list of insurance companies that offer multiple discounts, follow this link.

Why smart consumers pay less for Mitsubishi Eclipse insurance

Lots of things are taken into consideration when premium rates are determined. Some are obvious like a motor vehicle report, although others are more obscure such as whether you are married or how financially stable you are.

Shown below are a few of the things auto insurance companies consider when setting premiums.

  • Raising physical damage deductibles saves money – Your deductibles tell how much you are required to spend in the event of a claim. Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some coverage claims are colliding with a stationary object, collision with a deer, and damage from wind. The more money you pay before a claim is paid (deductible), the better rate you will receive for Eclipse coverage.
  • Being married can save on auto insurance – Walking down the aisle may save some money on auto insurance. Having a significant other translates into being more mature and responsible and it’s proven that married couples file fewer claims.
  • Gender as a rate factor – Statistics demonstrate females are less aggressive when driving. However, don’t assume that females are better drivers. Women and men have auto accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 have the highest risk to insure so it costs more to insure them.
  • Teenagers vs. older drivers – Teen drivers have a tendency to be easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates. Parents adding a beginning driver onto a policy can be quite pricey. Older drivers are more responsible, statistically cause fewer accidents .

How to know if you need help

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • Which companies will insure high-risk drivers?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my camper covered by my car insurance policy?
  • Why am I required to get a high-risk car insurance policy?
  • How do I insure my teen driver?
  • Does medical payments coverage apply to all occupants?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is business equipment covered while in my vehicle?
  • What can I do if my company won’t pay a claim?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Insurance for medical payments – Med pay and PIP coverage provide coverage for immediate expenses like X-ray expenses, surgery, EMT expenses, nursing services and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed, fire damage, falling objects and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – Collision insurance pays for damage to your Eclipse resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like backing into a parked car, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Auto liability – This protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as emergency aid, structural damage, attorney fees, legal defense fees and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Save for a rainy day

Drivers change insurance companies for any number of reasons including delays in paying claims, being labeled a high risk driver, policy non-renewal or high prices. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

In this article, we covered some good ideas how to reduce 1995 Mitsubishi Eclipse insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from a small mutual company.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed physical damage coverage only to discover later that it was a big mistake. Your goal is to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

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