2009 Mitsubishi Eclipse Insurance Rates – 5 Tricks for Cheaper Quotes

Searching for lower insurance coverage rates for your Mitsubishi Eclipse? Feel like you have overpriced insurance coverage? You’re preaching to the choir because you are not the only one feeling buyer’s remorse.

Multiple insurers compete to insure your vehicles, and it can be difficult to compare rates to get the lowest rate possible.

It’s a great practice to get comparison quotes once or twice a year since prices are constantly changing. Even if you got the best price for Eclipse coverage two years ago the chances are good that you can find a lower rate today. You’ll find a ton of advice on insurance coverage on the internet, but by reading this article, you’re going to learn a lot of great tips on how to put money back in your pocket.

If you have car insurance now, you should be able to cut costs considerably using these techniques. Finding affordable coverage is easy if you know what you’re doing. But drivers can benefit from knowing how big insurance companies market on the web and take advantage of how the system works.

Save a ton with these five discounts

Companies offering auto insurance don’t always list their entire list of discounts in a way that’s easy to find, so we researched some of the more common and also the more inconspicuous credits available to lower your premiums when you buy car insurance online. If you check and find you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Low Mileage – Fewer annual miles on your Mitsubishi can earn lower prices due to less chance of an accident.
  • Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for reduced rates for Eclipse coverage.
  • No Charge for an Accident – This isn’t a discount exactly, but some companies like Liberty Mutual and GEICO may permit one accident without the usual rate increase so long as you are claim-free for a specific time period.
  • Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less for Eclipse coverage as compared to drivers with claims.
  • Renewal Discounts – Some insurance companies reward drivers for buying a new policy early. This discount can save up to 10%.

Don’t be shocked that most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, that’s just not realistic. But all discounts will definitely reduce the amount you pay for coverage.

Popular insurance companies and a partial list of their discounts are included below.

  • State Farm has discounts for anti-theft, accident-free, Drive Safe & Save, passive restraint, good student, good driver, and multiple policy.
  • GEICO offers premium reductions for anti-theft, air bags, seat belt use, federal employee, and emergency military deployment.
  • Liberty Mutual may include discounts for hybrid vehicle, good student, new vehicle discount, newly retired, multi-car, and preferred payment discount.
  • The Hartford offers discounts including air bag, driver training, vehicle fuel type, defensive driver, anti-theft, and good student.
  • MetLife policyholders can earn discounts including good driver, accident-free, claim-free, good student, defensive driver, multi-policy
  • Progressive offers discounts for multi-policy, multi-vehicle, good student, online quote discount, homeowner, online signing, and continuous coverage.

Before purchasing a policy, check with each company or agent what discounts are available to you. Some discounts listed above might not be offered on policies in your state.

Auto insurance can be complex

When choosing the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help highlight whether or not you would benefit from professional advice.

  • Will I lose any money if I cancel my policy before it expires?
  • When should I buy a commercial auto policy?
  • Is rental equipment covered for theft or damage?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I pay less for low miles?
  • At what point should I drop full coverage?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Buyer beware of auto insurance advertising tricks

Auto insurance companies such as Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. They all seem to tend to make the same promise that you’ll save big just by switching your coverage. It sounds good, but how can they all make the same claim? This is the trick they use.

Most companies quote their cheapest rates for the right customer they prefer to insure. An example of a profitable insured might be over the age of 35, has no tickets, and drives less than 5,000 miles a year. Any customer who meets those qualifications gets the lowest rates and have a good chance to save when switching.

Consumers who are not a match for this stringent profile will probably be forced to pay more expensive rates which leads to the customer buying from someone else. If you pay close attention to the ads, they say “drivers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way companies can make the claims of big savings. Because of these techniques, drivers must get car insurance quotes from several different companies. It’s just not possible to know which company will have the lowest premium rates for your situation.

Car insurance coverages 101

Learning about specific coverages of car insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages available from car insurance companies.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like loss of income, emergency aid, repair costs for stationary objects, funeral expenses and court costs. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Eclipse caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, damage from flooding, theft and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, ambulance fees, rehabilitation expenses, funeral costs and dental work. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Get your money’s worth

More affordable car insurance is definitely available both online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent insurance agents.

When getting car insurance quotes online, you should never buy less coverage just to save a little money. In many cases, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. The ultimate goal is to get the best coverage possible for the lowest cost.

Throughout this article, we presented some good ideas how to get a better price on 2009 Mitsubishi Eclipse insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your auto insurance rates. Drivers may discover the lowest rates are with a lesser-known regional company. These smaller insurers often have lower auto insurance rates on specific markets compared to the large companies like GEICO and State Farm.

For more information, feel free to browse these articles: