1991 Mitsubishi Eclipse Car Insurance Quotes – 8 Tips for Best Rates

Searching for cheaper auto insurance rates for your Mitsubishi Eclipse? If you are new to getting insurance quotes online, you may be baffled insurance agents and companies competing for your business.

Consumers need to do rate comparisons once or twice a year because auto insurance prices are variable and change quite frequently. If you had the best deal on Eclipse insurance a couple years back you will most likely find a better rate quote today. Ignore everything you know about auto insurance because you’re about to learn one of the quickest ways to lower your annual insurance bill.

How much does insurance coverage cost?

When looking for inexpensive insurance quotes, there are a couple ways of comparing rates from many available insurance coverage companies in your state. The recommended way to find affordable 1991 Mitsubishi Eclipse insurance rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do separate quotes for each company you want a rate for. One form will get you price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
A more difficult way to compare rate quotes consists of visiting each individual company website and fill out a new quote form. For sake of this example, we’ll pretend you want to see prices from Farmers, 21st Century and Liberty Mutual. You would need to take the time to go to each site to enter your coverage information, which is why the first method is more popular.
To view a list of companies in your area, click here.
If you have time to kill, the last way to find cheaper rates is to waste gas driving to different agent offices. The internet eliminates the need for an insurance agent unless you have a complicated situation and need the professional advice of a local agent. It is possible with some companies get prices online and still use a local agent.

Whichever way you use, make darn sure you compare identical quote information with each company. If you compare mixed coverages it will be nearly impossible to find the best deal for your Mitsubishi Eclipse. Even a minor difference in coverages could mean much higher rates. Just remember that comparing all the rates in your area helps locate lower pricing.

Save $389 a year. For real?

Respected companies like Progressive, Allstate and Geico constantly bombard you with television, radio, and online ads. They all try to convey promises that you’ll save big if you just switch your coverage. Is it even possible that every company can cost less than your current company? It’s all in the words they use.

Companies have strict underwriting profiles for the right customer that will not have excessive claims. An example of this type of driver should be between the ages of 30 and 50, has other policies, and drives less than 7,500 miles a year. Anyone that fits those parameters will probably get cheap rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who are not a match for these standards will have to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can truthfully make claims that they all have the best prices. This really emphasizes why drivers should get as many free insurance quotes as possible. Because without a comparison, you cannot know the company that will have better premium rates than you’re paying now.

Cheaper rates with these eight auto insurance discounts

Some insurers don’t always advertise all their discounts very clearly, so we break down some of the more common as well as the least known discounts that you can inquire about if you buy insurance online. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.

Multi-line Discount – Larger insurance carriers have lower prices if you buy some life insurance in addition to your auto policy.
Bundle and Save – If you can bundle your home and auto insurance with one insurance company you could get a discount of at least 10 to 15 percent or more.
Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and the ABS can save up to 10%.
Low Mileage – Keeping the miles down on your Mitsubishi could earn lower premium rates due to less chance of an accident.
One Accident Forgiven – Not necessarily a discount, but companies like Allstate, Progressive, and Geico will let one accident slide before raising your premiums if you are claim-free for a particular time prior to the accident.
Passive Restraints – Factory air bags could see savings of 20% or more.
Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if it’s offered in school.
College Student – Children who live away from home at college and do not have a car may qualify for this discount.

Remember that most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

If you would like to view insurers with discount rates, click here to view.

Insurance coverage can get complicated

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation might need professional guidance.

How does medical payments coverage work?
Am I covered if hit by an uninsured driver?
When should I drop full coverage on my 1991 Mitsubishi Eclipse?
What is the difference between comprehensive and collision coverage?
At what point should I drop full coverage?
Does my 1991 Mitsubishi Eclipse qualify for pleasure use?
Do I pay less if my vehicle is kept in my garage?
What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Car insurance coverages and their meanings

Understanding the coverages of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, pain medications and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, rock chips in glass and hitting a deer. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This coverage will pay to fix damage to your Eclipse caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like legal defense fees, court costs and structural damage. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Saving money makes a lot of cents

We just covered many ways to shop for 1991 Mitsubishi Eclipse insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the best prices are with the smaller companies.

When getting insurance quotes online, do not reduce needed coverages to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

Lower-priced insurance coverage is available both online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not offer online rate quotes and most of the time these small, regional companies only sell coverage through independent insurance agencies.