1996 Mitsubishi Eclipse Car Insurance Quotes – 9 Tips to Save

Drivers have options when trying to find the best price on Mitsubishi Eclipse insurance. You can either spend your time driving around trying to get quotes or leverage the internet to make rate comparisons. There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to quote coverages for a new or used Mitsubishi and get the lowest possible price either online or from local insurance agents.

Consumers should take time to get comparison quotes yearly due to the fact that insurance prices are constantly changing. Just because you found the lowest price on Eclipse coverage two years ago you may be paying too much now. Block out anything you think you know about insurance because you’re going to get a crash course in the right way to reduce your cost while increasing coverage.

Insurance discounts are available to reduce your rates

Some providers don’t always list all possible discounts in an easy-to-find place, so the following list contains some of the more common and also the more inconspicuous savings tricks you should be using when you buy insurance online.

  • College Student – College-age children who live away from home to go to college and leave their car at home can be insured at a reduced rate.
  • Discount for Home Ownership – Owning your own home or condo can get you a discount because owning a home is proof of financial responsibility.
  • Drivers Ed for Students – Have your child enroll in driver’s education in high school.
  • Club Memberships – Affiliation with a civic or occupational organization may earn a discount on insurance.
  • Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote insurance on Eclipse coverage but check with your company.
  • Sign Online – Some of the larger companies give back up to $50 simply for signing over the internet.
  • Switch and Save Discount – A few larger companies offer discounts for switching policies prior to your current policy expiring. Ten percent is about the average savings.
  • Air Bags and Passive Restraints – Factory air bags or motorized seat belts could see savings up to 30%.
  • Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.

A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Popular insurance companies and some of the premium reductions they offer are outlined below.

  • 21st Century offers premium reductions for defensive driver, driver training, good student, student driver, and teen driver.
  • Progressive may offer discounts for multi-policy, continuous coverage, good student, homeowner, and online signing.
  • State Farm offers discounts including driver’s education, multiple autos, Drive Safe & Save, accident-free, student away at school, multiple policy, and passive restraint.
  • Nationwide discounts include good student, Farm Bureau membership, family plan, easy pay, anti-theft, accident-free, and defensive driving.
  • Esurance has discounts for safety device, renters, claim free, homeowner, paid-in-full, good student, and defensive driver.
  • The Hartford may include discounts for bundle, vehicle fuel type, anti-theft, defensive driver, and good student.

If you are trying to find the cheapest insurance quotes, ask every company which credits you are entitled to. Some discounts may not be available in your area. To locate insurance companies who offer online insurance quotes, follow this link.

Compare free car insurance quotes

There are a variety of methods to compare car insurance quotes, but one way is less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can utilize online quoting to get the quickest rates.

Most car insurance companies belong to an insurance system that enables customers to enter their coverage request one time, and every company returns a competitive quote. This eliminates the need for quote requests for each company you want a rate for.

To compare pricing click here to open in new window.

The only downside to using this type of form is buyers cannot specifically choose which insurance companies to receive prices from. So if you want to choose specific insurance companies to compare rates, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be sure to compare the exact same coverage data for each comparison quote. If the quotes have differing limits you will not be able to make an equal comparison.

Everyone needs different insurance coverage coverages

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether or not you will benefit from professional help.

  • Is my cargo covered for damage or theft?
  • Am I better off with higher deductibles on my 1996 Mitsubishi Eclipse?
  • When should I not file a claim?
  • Does liability extend to a camper or trailer?
  • Should I drop comprehensive coverage on older vehicles?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Save $426 a year! What?

Consumers can’t get away from ads that promise big savings for switching from the likes of GEICO, State Farm and Progressive. All the companies convey the message that drivers will save a bundle if you move your coverage.

How do they all cost less than your current company?

Companies offer their best rates for the type of driver that will not have excessive claims. One example of this type of risk profile should be between 25 and 40, has other policies, and has a short commute. Any driver who fits that profile may get the lowest car insurance rates and will most likely save quite a bit of money when switching.

Insureds who don’t meet these standards will probably have to pay higher prices and the customer not buying. The wording the ads use say “customers who switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can make it sound like they have such great premium rates. Because of the profiling, you should compare quotes as often as possible. It’s impossible to know which insurance coverage company will have the best car insurance rates for your profile.

Insurance coverage specifics

Learning about specific coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses like chiropractic care, dental work and pain medications. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, hitting a deer, theft and damage from flooding. 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 probably time to drop comprehensive insurance.

Liability coverage

This will cover damage that occurs to other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for 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 limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like bail bonds, repair costs for stationary objects, attorney fees, court costs and legal defense fees. How much coverage you buy is up to you, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your 1996 Mitsubishi Eclipse.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

This covers damage to your Eclipse resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

In Summary

Some companies do not provide online quoting and these regional carriers work with local independent agents. Low-cost 1996 Mitsubishi Eclipse insurance is definitely available on the web as well as from independent agents, so you should be comparing quotes from both to have the best selection.

We just showed you many tips how you can get a better price on 1996 Mitsubishi Eclipse insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from a small local company.

Drivers change insurance companies for many reasons like lack of trust in their agent, poor customer service, being labeled a high risk driver or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

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