2008 Mitsubishi Eclipse Insurance Quotes

Want the cheapest auto insurance rates for your Mitsubishi Eclipse? Are you irritated from robbing Peter to pay Paul each month for auto insurance? You are in the same boat as many other drivers.

Popular companies such as GEICO, Progressive and Allstate all claim big savings with fancy advertisements and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is not that difficult. Nevertheless, vehicle owners must comprehend how the larger insurance companies price insurance differently.

Get cheaper insurance coverage rates with discounts

Insurance can cost an arm and a leg, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply at quote time, but a few need to be inquired about before being credited.

  • New Car Discount – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Distant College Student Discount – Children living away from home attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Discounts for Government Workers – Simply working for the federal government can save as much as 8% for Eclipse coverage with select insurance companies.
  • Low Mileage Discounts – Keeping the miles down on your Mitsubishi may allow you to get lower prices on the low mileage vehicles.
  • Student Driver Training – Have your child sucessfully take a drivers education course if offered at their school.
  • Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • Driver Safety – Taking a class that teaches safe driver techniques could save 5% or more and also improve your driving technique.
  • Accident-Free Discounts – Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
  • Discount for Home Ownership – Owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Clubs and Organizations – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount on your next insurance coverage statement.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A partial list of companies that may include these discounts possibly include:

When quoting, ask every insurance company to apply every possible discount. A few discounts may not apply to policyholders in your area.

Why you might pay increased rates

Multiple criteria are used in the calculation when you get a price on insurance. Most are fairly basic like your driving record, although others are less apparent like your vehicle usage and annual miles driven.

  • Lower rates with GPS tracking and theft deterrents – Choosing a vehicle with anti-theft technology or alarm system can save you some money. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft and help bring rates down.
  • What’s your car’s IIHS safety rating? – Cars with high safety ratings are cheaper to insure. The safest vehicles reduce occupant injuries and better occupant protection means less money paid by your insurance company and cheaper rates on your policy. If your Mitsubishi Eclipse is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Insure your auto and home with one company – The majority of car insurance companies provide a discount to buyers that buy multiple policies in the form of a multi-policy discount. The discount can be five, ten or even twenty percent. Even though this discount sounds good, drivers will still want to check prices from other companies to help guarantee you have the best rates.
  • Cheaper to insure gals? – Over the last 30 years, statistics show women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. They both have auto accidents in similar percentages, but the males have costlier accidents. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers are several times more likely to be in an accident so they pay the highest premiums.
  • A car insurance lapse can increase prices – Driving without insurance coverage in place is against the law and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will rates go up, being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • When should you not file a car insurance claims? – If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Auto insurance companies generally give most affordable rates to drivers who file claims infrequently. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.

Tailor your insurance coverage to you

When buying the best insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different so this has to be addressed. For example, these questions may help highlight whether you could use an agent’s help.

  • Does coverage extend to a rental car in a foreign country?
  • Is my trailer covered?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How do I file an SR-22 for a DUI in my state?
  • Should I rate my 2008 Mitsubishi Eclipse as pleasure use or commute?
  • Am I covered when driving on a suspended license?
  • Are rental cars covered under my policy?
  • What happens if I owe more than my 2008 Mitsubishi Eclipse is worth?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Don’t listen to company ads

Insurance companies such as GEICO, State Farm and Progressive endlessly run television and radio advertisements. All the companies make the same claim that you’ll save big if you just switch your coverage to them. How can each company give you a better price? This is the way they can do it.

Insurance providers have an ideal profile for the right customer that is profitable for them. An example of a driver they prefer could possibly be married and over the age of 30, carries full coverage, and has a high credit rating. Anybody who meets those qualifications will probably get the lowest rates and have a good chance to pay quite a bit less when switching companies.

Drivers who don’t qualify for these stringent criteria will probably have to pay a more expensive rate and the customer buying from someone else. The ads say “customers that switch” but not “everyone who gets a quote” can save as much as they claim. That’s why companies can advertise the savings. This really drives home the point why you really need to do a price quote comparison at every renewal. It’s just too difficult to predict which company will have the lowest prices for your situation.

Coverages available on your policy

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.

Liability insurance

This will cover damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like medical expenses, medical services, legal defense fees, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, rock chips in glass, a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

This will pay to fix damage to your Eclipse resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, driving through your garage door, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for EMT expenses, hospital visits, pain medications and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Mitsubishi Eclipse.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Be a penny pincher

We just showed you a lot of tips how to save on 2008 Mitsubishi Eclipse insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from the least-expected company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.

When buying insurance coverage, you should never reduce needed coverages to save money. Too many times, an insured dropped full coverage and found out when filing a claim that it was a big error on their part. The goal is to purchase a proper amount of coverage at the lowest possible cost.

There are still a few companies who do not offer price quotes online and many times these smaller providers prefer to sell through independent agents. Budget-conscious 2008 Mitsubishi Eclipse insurance can be sourced from both online companies and also from your neighborhood agents, and you should compare rates from both in order to have the best price selection to choose from.

More information is located below: