View 1996 Mitsubishi Eclipse Insurance Cost

Searching for better insurance rates for your Mitsubishi Eclipse? Being forced to pay for overpriced insurance premiums can draw down your savings, especially in this economy. Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies to discover the definitive lowest price

Insurance coverage policy discounts you can’t miss

Auto insurance companies don’t list every discount they offer in a way that’s easy to find, so the list below details some of the best known and also the lesser-known credits available to bring down your rates.

  • Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education in school or through a local driver safety program.
  • 55 and Retired – If you qualify as a senior citizen, you are able to get a small discount on rates for Eclipse coverage.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles help deter theft so companies will give you a small discount.
  • Discount for Home Ownership – Being a homeowner may trigger a policy discount on insurance coverage since home ownership shows financial diligence.
  • Responsible Driver Discount – Accident-free drivers can pay as much as 50% less for Eclipse coverage than drivers with accident claims.
  • Accident-Free Discounts – Good drivers with no accidents pay much less as opposed to policyholders that have many claims.
  • Low Mileage Discounts – Driving fewer miles could earn slightly better prices than normal.

Policy discounts save money, but some credits don’t apply the the whole policy. Some only apply to individual premiums such as comp or med pay. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Popular insurance coverage companies and some of the discounts are included below.

  • State Farm discounts include multiple policy, Steer Clear safe driver discount, good student, accident-free, and safe vehicle.
  • GEICO may offer discounts for defensive driver, federal employee, five-year accident-free, driver training, membership and employees, and good student.
  • Liberty Mutual offers discounts for exclusive group savings, multi-policy, safety features, preferred payment discount, hybrid vehicle, and good student.
  • The Hartford may have discounts that include defensive driver, bundle, vehicle fuel type, good student, driver training, anti-theft, and air bag.
  • MetLife has discounts for defensive driver, accident-free, good student, claim-free, multi-policy, good driver
  • Progressive offers premium reductions for multi-vehicle, online signing, continuous coverage, online quote discount, homeowner, good student, and multi-policy.

When getting a coverage quote, ask every prospective company which discounts can lower your rates. Discounts may not be available everywhere. If you would like to choose from a list of insurance companies with discount insurance coverage rates, click this link.

How to buy insurance online

There are several ways to compare insurance quotes, but there is one way that is more efficient than others. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you could save time and use online quotes to achieve your goal.

Many of the larger companies belong to a marketplace that allows shoppers to send in one quote, and at least one company then gives them pricing based on that data. This saves time by eliminating repetitive form submissions for every insurance company.

To find out what other companies charge click to open in new window.

The only downside to pricing coverage this way is that you can’t choose the insurers to get pricing from. So if you want to select specific insurance companies to compare rates, we have a page of the cheapest insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverage data with every price quote. If you use unequal deductibles or liability limits you will not be able to get a fair rate comparison.

Insurance agents can help

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • How do I file an SR-22 for a DUI in my state?
  • Do I need higher collision deductibles?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why does it cost so much to insure a teen driver?
  • Should I sign the liability waiver when renting a car?
  • When should I buy a commercial auto policy?
  • When can my company non-renew my policy?
  • How can I force my company to pay a claim?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage information

Knowing the specifics of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages offered by car insurance companies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like nursing services, hospital visits and funeral costs. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Mitsubishi Eclipse.

Because many people 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 is very important.

Collision coverages – This will pay to fix damage to your Eclipse resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, a broken windshield and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability insurance will cover damage that occurs to other people or property. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like legal defense fees, loss of income, medical services and medical expenses. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Pennies from heaven

Lower-priced auto insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not offer the ability to get quotes online and many times these smaller companies only sell coverage through independent agents.

In this article, we covered a lot of information how to lower your 1996 Mitsubishi Eclipse insurance premium rates. The key thing to remember is the more price quotes you have, the better likelihood of getting affordable auto insurance. Consumers could even find that the best price on auto insurance is with an unexpected company. Regional companies may have significantly lower prices on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

Even more information is available at these sites: