Cheap 2006 Mitsubishi Eclipse Car Insurance Rates

Drivers have many options when trying to find the best price on Mitsubishi Eclipse insurance. They can either waste time driving around to compare prices or utilize the internet to get rate quotes. There is a right way and a wrong way to find insurance online and you need to know the absolute fastest way to get price quotes for a Mitsubishi and obtain the best price possible.

If you have a current insurance coverage policy or are just looking to switch companies, you will benefit by learning to find better prices and still get good coverage. The purpose of this article is to teach you the most effective way to quote insurance and some money-saving tips. Vehicle owners only need to know the tricks to shop for insurance coverage online.

Lower-cost car insurance rates with discounts

Car insurance is not cheap, but there’s a good chance there are discounts that you may not know about. Some trigger automatically when you purchase, but a few need to be asked for prior to getting the savings. If you do not double check each discount you deserve, you could be saving more on your car insurance.

  • Organization Discounts – Belonging to specific professional or occupational memberships or organizations could trigger savings on your next renewal.
  • Drive Less and Save – Low mileage vehicles could be rewarded with cheaper premium rates.
  • Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for a small discount on rates on Eclipse insurance.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some companies like State Farm and GEICO will let one accident slide without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
  • Save with a New Car – Insuring a new car can cost up to 25% less because new vehicles are generally safer.
  • Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance coverage quote.

Keep in mind that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, it’s just not the way it works.

If you would like to see a list of car insurance companies that offer multiple discounts, follow this link.

Mitsubishi Eclipse insurance premium factors

Lots of factors are taken into consideration when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although some other factors are more transparent such as whether you are married or how financially stable you are.It’s important that you understand some of the elements that help determine your premiums. If you have a feel for what determines premiums, this enables you to make decisions that may reward you with lower rates.

The items below are just a few of the factors that factor into your rates.

  • Certain occupations pay higher car insurance rates – Careers like real estate brokersair traffic controllers and miners are shown to have the highest average rates due to intense work requirements and extremely grueling work hours. Conversely, occupations such as actors, athletes and homemakers pay the least on Eclipse insurance.
  • Better premiums on vehicles with better crash test results – Safer cars can get you lower premiums. The safest vehicles reduce injuries and lower injury rates means your insurance company pays less which can result in lower premiums. If the Mitsubishi Eclipse has ratings of a minimum four stars on Safercar.gov it may cost less to insure.
  • Men pay more for auto insurance – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes cause at-fault accidents in similar numbers, but males cause more damage. Men also statistically have more aggressive citations like DWI (DUI) or reckless driving.
  • Bundle policies and save money – Some insurance companies will award a discount to clients that buy multiple policies, otherwise known as a multi-policy discount. Even with this discount, drivers will still want to compare rates to ensure the best deal. You may still be able to find a better deal even if you insure with multiple companies
  • Policy add-ons could be costing you – There are many optional add-on coverages that can add up when buying car insurance. Insurance for roadside assistance, better glass coverage, and additional equipment coverage may be costing you every month. You may think they are a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help highlight whether or not you might need professional guidance.

  • Is pleasure use cheaper than using my 2006 Mitsubishi Eclipse to commute?
  • Why do I only qualify for high-risk insurance?
  • Does having multiple vehicles earn me a discount?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • How can I get my company to pay me more for my totalled car?
  • Should I have combined single limit or split liability limits?
  • Is my ex-spouse still covered by my policy?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Auto insurance myths debunked

Consumers can’t ignore all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. They all seem to make an identical promise about saving some big amount just by switching your auto insurance coverage to their company.

How does each company lower your car insurance rates? It’s all in the numbers.

All the different companies quote their best rates for the type of customer that earns them a profit. A good example of a desirable risk may need to be over the age of 35, owns a home, and does not commute to work. Any new insured who fits that profile will most likely get cheap premium rates and will probably save when they switch companies.

Insureds who do not fit this stringent profile will be charged higher prices which leads to the customer buying from someone else. If you listen to the ad wording, they say “drivers that switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can make those statements. This really emphasizes why you absolutely need to get insurance coverage quotes as often as possible. It’s impossible to know with any certainty which company will provide the lowest car insurance rates.

Coverages available on your policy

Knowing the specifics of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for things like funeral costs, rehabilitation expenses, hospital visits and surgery. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mitsubishi Eclipse.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, hail damage and theft. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like legal defense fees, bail bonds and emergency aid. How much coverage you buy is your choice, but consider buying as large an amount as possible.

A little work can save a LOT of money

People change insurance companies for a variety of reasons including delays in responding to claim requests, poor customer service, policy cancellation and lack of trust in their agent. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.

We just presented many tips how you can lower your 2006 Mitsubishi Eclipse insurance premium rates. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. Drivers may discover the lowest premium rates are with some of the smallest insurance companies.

Some insurance companies don’t offer internet price quotes and these small insurance companies only sell coverage through independent agencies. Cheaper 2006 Mitsubishi Eclipse insurance is possible online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture.

Additional information is located at the links below