1999 Mitsubishi Eclipse Car Insurance Cost – 7 Tips for Best Prices

Want lower car insurance rates for your Mitsubishi Eclipse? Pretty sure you bought an underperforming, overpriced car insurance policy? Say no more because there are many drivers thinking the same thing. You have multiple auto insurance companies to choose from, and although it’s nice to be able to choose, having more insurance companies makes it harder to find the best rates for your vehicles.

Consumers should take time to take a look at other company’s rates yearly because car insurance prices are variable and change quite frequently. Even if you got the lowest quotes for Eclipse insurance two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because we’re going to show you the fastest and easiest way to remove unneeded coverages and save money.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Consumers just need to know the proper way to shop their coverage around online.

Compare auto insurance quotes

There are a lot of ways to compare auto insurance quotes, but some are more efficient than others. You could spend your day discussing policy coverages with insurance companies in your area, or you could use the internet to accomplish the same thing much quicker.

All the larger companies belong to a marketplace that enables customers to submit one quote, and at least one company then returns a price quote determined by their information. This prevents consumers from doing quote requests to each individual auto insurance company. To use this form to compare rates click here to open in new window.

The one disadvantage to doing it this way is that you can’t choose which companies to get quotes from. So if you want to select specific providers to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but be sure to compare exactly the same quote data for each comparison quote. If the quotes have different data it will be very difficult to determine the lowest rate for your Mitsubishi Eclipse.

Insurance coverage policy discounts

Car insurance is not cheap, but there are discounts available to cut the cost considerably. A few discounts will automatically apply at quote time, but once in a while a discount must be specially asked for in order for you to get them. If you do not double check each discount you deserve, you could be getting lower rates.

• More Vehicles More Savings – Buying coverage for more than one vehicle on a single policy could earn a price break for each car.
• Renewal Discounts – Some insurance coverage companies reward drivers for switching policies prior to your current policy expiration. It could save around 10% when you buy insurance coverage online.
• Passive Restraints – Vehicles with factory air bags can qualify for discounts of 25 to 30%.
• Drive Less and Save – Driving fewer miles could qualify for slightly better insurance coveragerates than normal.
• Discount for Home Ownership – Owning a house can save you money because maintaining a house requires personal responsibility.
• Senior Citizen Discount – Seniors are able to get better insurance coverage rates for Eclipse insurance.
• Multi-line Discount – Some insurance carriers give a small discount if you purchase life insurance.

You should keep in mind that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, nobody gets a free ride. But any discount will reduce the amount you pay for coverage.

Some of the insurance companies who might offer some of the above discounts are:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

Check with each company or agent how many discounts you can get. Savings may not be offered in your area. To find insurance companies who offer cheap insurance coverage quotes, click here.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine if your situation would benefit from professional advice.

• Does my policy pay for OEM or aftermarket parts?
• When should my teen driver be added to my policy?
• What is covered by UM/UIM coverage?
• Why do I need rental car insurance?
• Should I rate my 1999 Mitsubishi Eclipse as pleasure use or commute?
• Am I covered when using my vehicle for business?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance coverage specifics

Learning about specific coverages of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on the average auto insurance policy.

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, driving through your garage door, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability

Liability coverage can cover damage that occurs to people or other property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like attorney fees, funeral expenses, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage kick in for bills like ambulance fees, pain medications, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover 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 coverage is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, rock chips in glass, falling objects, vandalism and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.