2002 Mitsubishi Eclipse Insurance Quotes

Trying to find cheaper insurance rates for your Mitsubishi Eclipse? Nobody that owns a car likes having to buy insurance, especially when they know they could find better prices if they shop around. There is such a variety of auto insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it can be more difficult to find a good deal.

It is always a good idea to compare prices every six months due to the fact that insurance prices are constantly changing. Just because you had the lowest rates on Eclipse insurance a few years ago you may be paying too much now. You’ll find a ton of advice on insurance online, but in just a couple of minutes you can learn some of the best ways to save money.

Drivers save money with with these discounts

Companies that sell car insurance do not list the entire discount list in a way that’s easy to find, so we researched some of the best known as well as the least known discounts you could be receiving when you buy insurance coverage online.

  • Save over 55 – Drivers over the age of 55 could receive better auto insurance rates on Eclipse insurance.
  • Passenger Safety Discount – Factory air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
  • Military Deployment Discount – Being on active deployment in the military may qualify for rate reductions.
  • Low Mileage Discounts – Fewer annual miles on your Mitsubishi could earn lower premium rates due to less chance of an accident.
  • Multiple Vehicles – Having multiple cars or trucks with the same company can reduce the rates for all insured vehicles.
  • First Accident Forgiveness – This one isn’t a discount, but certain companies will let one accident slide before your rates go up with the catch being you have to be claim-free before the accident.
  • Homeowners Discount – Owning a house can save a few bucks because it is proof that your finances are in order.

One thing to note about discounts is that some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.

A few popular companies and some of the premium reductions they offer can be read below.

  • State Farm includes discounts for Drive Safe & Save, safe vehicle, passive restraint, driver’s education, anti-theft, accident-free, and multiple autos.
  • GEICO policyholders can earn discounts including multi-policy, multi-vehicle, driver training, defensive driver, good student, federal employee, and anti-theft.
  • Allstate offers discounts for utility vehicle, good payer, EZ pay plan discount, early signing, premier plus, 55 and retired, and multi-policy.
  • SAFECO discounts include multi-car, teen safety rewards, homeowner, safe driver, and bundle discounts.
  • Farm Bureau may have discounts that include youthful driver, multi-vehicle, 55 and retired, renewal discount, multi-policy, and driver training.
  • Progressive offers premium reductions for good student, online quote discount, homeowner, continuous coverage, and multi-policy.
  • AAA may offer discounts for good student, anti-theft, education and occupation, pay-in-full, and AAA membership discount.

Before purchasing a policy, check with all the companies to give you their best rates. Some of the earlier mentioned discounts might not be offered on policies in your area. To see auto insurance companies who offer discounts, click this link.

How much is insurance coverage?

Reducing your 2002 Mitsubishi Eclipse insurance rates is a great way to save money. You just need to spend a few minutes comparing price quotes to find the company with cheap insurance coverage quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The simplest way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This quick form prevents you from having to do boring form submissions for every prospective company. Filling out one form gets you coverage quotes from multiple low-cost companies.
  • A slightly less efficient method to obtain and compare quotes online is spending the time to visit the website for each individual company and go through the quote process again. For example, let’s say you want rates from State Farm, Allstate and Progressive. To do that, you would have to navigate to each company’s site to enter the same coverage data repeatedly, and that explains why we recommend the first method. To view a list of companies in your area, click here.
  • The least efficient method to price shop rates is physically going to each insurance agency near you. The ability to quote online makes this unnecessary unless you prefer the professional advice of an agent trained in personal lines coverage. Some companies do allow you to comparison shop online but buy the policy through an agent.

The method you choose is up to you, but compare identical coverage limits and deductibles on every quote you get. If you have unequal deductibles or liability limits you will not be able to make an equal comparison.

Your situation helps dictate your coverage

When choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can help discover whether you might need professional guidance.

  • Is my state a no-fault state?
  • Do I need added coverage for expensive stereo equipment?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my 2002 Mitsubishi Eclipse qualify for pleasure use?
  • If my 2002 Mitsubishi Eclipse is totaled, can I afford another vehicle?
  • Is my nanny covered when driving my vehicle?
  • When should my teen driver be added to my policy?
  • Should I sign the liability waiver when renting a car?
  • How does medical payments coverage work?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Coverages available on your insurance policy

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for rehabilitation expenses, ambulance fees, doctor visits, EMT expenses and dental work. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This 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 insurance covers claims such as falling objects, hitting a deer and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, hitting a parking meter and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Auto liability

This coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as repair bills for other people’s vehicles, legal defense fees and court costs. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Mitsubishi Eclipse.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

More quotes mean more savings

Low-cost 2002 Mitsubishi Eclipse insurance is definitely available online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get quotes online and most of the time these regional carriers provide coverage only through independent agencies.

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. There are many occasions where an insured cut comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

Additional detailed information is available in the articles below: