1997 Mitsubishi Eclipse Insurance Rates

Searching for the cheapest insurance rates for your Mitsubishi Eclipse? Tired of sacrificing other expenses to pay your insurance bill each month? Your situation is no different than most other consumers.

There are many insurance companies to insure vehicles with, and although it’s a good thing to have a choice, more choices can make it harder to find a good deal.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you will be able to cut costs considerably using these techniques. But vehicle owners need to have an understanding of the way insurance companies determine prices.

Which insurance is cheapest?

There are multiple methods you can shop for insurance and some are more efficient than others. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use the web to achieve your goal.

Many of the larger companies belong to a marketplace that allows shoppers to complete one form, and at least one company then returns a price quote based on that data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To access this free quoting program, click to open in new window.

The single downside to comparing rates this way is that consumers can’t choose which providers you want to price. So if you want to choose individual companies to compare, we have a page of insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples quote information for every quote you compare. If you compare different liability limits it will be next to impossible to determine the lowest rate for your Mitsubishi Eclipse. Even a minor difference in insurance coverages may cause a big price difference. And when price shopping your coverage, comparing more company’s prices helps increase your odds of locating better pricing.

You are unique and your car insurance should be too

When it comes to buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out whether you may require specific advice.

  • When should I drop full coverage on my 1997 Mitsubishi Eclipse?
  • Am I better off with higher deductibles on my 1997 Mitsubishi Eclipse?
  • What can I do if my company denied a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When would I need rental car insurance?
  • Is business property covered if stolen from my car?
  • Is my babysitter covered when using my vehicle?
  • Should I rate my 1997 Mitsubishi Eclipse as pleasure use or commute?
  • How much can I save by bundling my policies?
  • How do I insure my teen driver?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Coverage specifics

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on the average car insurance policy.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, fire damage and a broken windshield. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills like doctor visits, funeral costs, hospital visits, prosthetic devices and surgery. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability insurance

This protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, court costs, funeral expenses, bail bonds and emergency aid. How much coverage you buy is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1997 Mitsubishi Eclipse.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision protection

Collision coverage will pay to fix damage to your Eclipse caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, rolling your car, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.