1994 Mitsubishi Eclipse Insurance Rates – 7 Ideas for Cheapest Quotes

Trying to find cheaper auto insurance rates for your Mitsubishi Eclipse? Searching for cheaper insurance for a new or used Mitsubishi Eclipse could be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to find auto insurance online so we’re going to tell you the best way to quote coverages for a new or used Mitsubishi and locate the lowest price either online or from local insurance agents.

You need to shop coverage around occasionally because prices are variable and change quite frequently. Even if you think you had the lowest rates for Eclipse coverage at your last renewal there may be better deals available now. There is too much inaccurate information about auto insurance online but we’re going to give you some good information on how to buy auto insurance cheaper.

Buying car insurance is quite easy. If you have insurance now or need new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Drivers only need an understanding of the proper way to shop online.

How to shop auto insurance online

Getting a cheaper price on 1994 Mitsubishi Eclipse insurance is actually easier than you may think. Just invest a few minutes to compare free auto insurance quotes to see which company has inexpensive auto insurance quotes. Comparing prices online can be done by following the guidelines below.

Without a doubt, the easiest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing separate quote forms for every auto insurance company. A single, simple form gets you price quotes from multiple companies. This is perfect if you don’t have a lot of time.

A harder way to compare prices consists of going to each company website to complete a price quote. For sake of this example, we’ll pretend you want to compare Geico, Farmers and State Farm. You would have to spend time on each company’s site and repeatedly type in your coverage information, which is why first method is reommended.

For a handy list of car insurance company links in your area, click here.

The least efficient way to quote and compare insurance rates to insurance agencies in your area. The fact that you can get quotes online eliminates the middleman unless your situation requires the trained guidance of a local agent. Some companies do allow you to get the lowest quotes online but purchase the actual policy in an agency.

You can use whichever method you prefer to find lower rates, just do your best to enter exactly the same coverages and limits on every quote you get. If each company quotes different limits and deductibles on each one it’s not possible to find the best deal for your Mitsubishi Eclipse.

Will you really save $412 on insurance?

Drivers can’t get away from all the ads that promise big savings by State Farm, Geico and Progressive. They all seem to make the same claim that drivers will save a bundle after switching your coverage to them.

How can each company have lower policy pricing? Here is how they do it.

Companies are able to cherry pick for the driver that will not have excessive claims. A good example of a profitable insured might be over the age of 35, is a homeowner, and drives less than 5,000 miles a year. Any person that hits that “sweet spot” will get low premium rates and will also cut their rates substantially.

Consumers who are not a match for these standards must pay a more expensive rate which results in the prospect going elsewhere. The trick companies use is to say “drivers who switch” but not “everyone who gets a quote” save that much money. That’s the way insurance companies can confidently make those claims. Because each company has a different risk profile, you should do a price quote comparison at every renewal. Because without a comparison, you cannot know the company that will have the best rates at this point in time.

Auto insurance companies offer many types of discounts

Not too many consumers would say auto insurance is affordable, but you may be missing some discounts to cut the cost considerably. A few discounts will be applied at the time you complete a quote, but a few must be specifically requested before they will apply.

  • Student Driver Training – Have your child sucessfully take a drivers education course in school or through a local driver safety program.
  • Military Discounts – Having a family member in the military may lower your prices slightly.
  • No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote as opposed to bad drivers.
  • New Car Discount – Buying a new car model can get you a discount because newer models have to meet stringent safety requirements.
  • Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save a little off the PIP or medical payment premium.
  • Early Signing – Some insurance companies give discounts for buying a new policy early. This discount can save up to 10%.

You should keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

To see a list of providers with the best auto insurance discounts, follow this link.

Do I just need basic coverages?

When it comes to choosing the best car insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • Am I covered when driving on a suspended license?
  • Should I have a commercial auto policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need replacement cost coverage on my 1994 Mitsubishi Eclipse?
  • Why am I required to get a high-risk car insurance policy?
  • Does my car insurance cover rental cars?
  • When does my teenage driver need to be added to my policy?
  • Are rock chip repairs covered?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Learn about insurance coverages for a Mitsubishi Eclipse

Knowing the specifics of insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, backing into a parked car, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like chiropractic care, EMT expenses, surgery and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

This provides protection from injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as legal defense fees, funeral expenses, emergency aid, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your 1994 Mitsubishi Eclipse.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, falling objects, fire damage, hail damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Spend less. Save more.

Some insurance providers may not provide price quotes online and most of the time these smaller providers work with independent insurance agencies. Cheaper 1994 Mitsubishi Eclipse insurance can be found both online as well as from independent agents, so compare prices from both to get a complete price analysis.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. Too many times, someone sacrificed physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

We’ve covered some good ideas how you can reduce 1994 Mitsubishi Eclipse insurance premium rates online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with a lesser-known regional company.

Much more information about insurance is available at the links below

Comments About 1994 Mitsubishi Eclipse Insurance

  1. Yolanda Mcbride

    I’m in the south part of Bellevue, Nebraska. Compared rates from a lot of places. Saved roughly $20 a month. Progressive was the most affordable for me. Insured with American Family before. I get lower rates because of my clean driving record. Just waiting to see how claims go. I think I’ll get rid of full coverage next time.

  2. Kurtis Dominguez

    I chose to switch to 21st Century from AAA. I live in Tucson, AZ. Insured with Erie before. I think they have home insurance too. Still almost need a second mortgage.

  3. Trista Preston

    In Cranston, RI, 21st Century is a good choice.

  4. Fernando Walls

    Got a quote with Nationwide for my Eclipse and cut my rates about $120 a year. Left The General to switch. It’s still not cheap enough.

  5. Essie Clarke

    Compared rates with GEICO and American Family but still pricey.

  6. Chantell Hartman

    Thought I’d throw in my experience. I live west of Wichita, KS. Quoted with GEICO, GMAC, and Farmers for my Mitsubishi and saved just over $110 a year. I don’t have comp or collision coverage.

  7. Foster Pickett

    I found cheap 1994 Mitsubishi Eclipse insurance in Reno, NV with 21st Century.

  8. Stacia Page

    Is State Farm cheap in Miami, FL?

  9. Muoi Phelps

    Good site, thanks. I live just outside Henderson, NV. Quoted with GEICO, Liberty Mutual, and Esurance for my Mitsubishi and I think I saved about $20 each month. Was with Amica.

  10. Emilio Gates

    GEICO was cheapest for my 1994 Mitsubishi Eclipse in Wilmington, DE.

  11. Daphne Harmon

    Mine is so expensive. I live on the south side of Honolulu, Hawaii. Can’t remember who all I quoted but I ended up saving about $20 each month. I recommend comparing lots of rates.

  12. Consuelo Yates

    If you’re a decent driver and live in the vicinity of Juneau, Alaska, check out State Farm. I saved quite a bit. Insured with Allstate before.

  13. Alene Lawson

    IT’S ALL TOO EXPENSIVE! Live in the northern part of Nashua, NH. I got free quotes from GMAC, AIG Insurance, MetLife, and a couple others for my Mitsubishi and saved $97 a year. I have kids on my policy, too. I recommend comparing lots of rates. I think I’ll get rid of full coverage next time.

  14. Lakenya Aguilar

    I’ve insured with Allstate for a long time. Pretty cheap in Fargo, ND.