2000 Mitsubishi Eclipse Insurance Cost – 7 Ways to Save

Locating the most affordable insurance on the internet can appear to be difficult for vehicle owners that are not comfortable with quoting and comparing rates and buying insurance over the internet. With such a large number of companies in the marketplace, how are vehicle owners able to have a chance to compare every company to locate the lowest price available?

The purpose of this article is to instruct you on the best way to quote coverages and some money-saving tips. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. But drivers must know the methods companies use to determine prices and take advantage of how the system works.

Car insurance policy discounts you can’t miss

Some providers don’t necessarily list every discount they offer in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious discounts that may be available.

  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save a little on medical payment and PIP coverage.
  • Early Renewal Discounts – Some larger companies provide a discount for switching to them before your current coverage expires. You can save around 10% with this discount.
  • Theft Deterent – Cars and trucks that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.
  • Cautious Driver Discount – Accident-free drivers can save up to 40% or more on their car insurance quote for Eclipse insurance compared to accident prone drivers.
  • Drivers Ed for Students – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Senior Discount – Drivers that qualify as senior citizens are able to get a slight reduction on a car insurance quote for Eclipse insurance.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky.

To view insurers who offer discounts, follow this link.

The fastest way that we advise to compare insurance rates in your area is to know the trick most insurance companies participate in online systems to provide you with a free rate quote. All consumers are required to do is provide a small amount of information such as daily mileage, if you lease or own, the type of vehicles you drive, and whether you are married. That rating information is then sent to many different companies and you should receive rate quotes immediately.

If you would like to compare rates now, click here and complete the quick form.

Insurance agents can help

When buying the best car insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • Do I have newly-aquired coverage?
  • What is roadside assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Will I lose any money if I cancel my policy before it expires?
  • Do all my vehicles need collision coverage?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Switch companies and save? Really?

Companies like Allstate and Progressive seem to constantly run ads on television and other media. All the companies try to convey promises that drivers can save some big amount if you move your policy. It sounds good, but how can they all make almost identical claims? It’s all in the words they use.

Insurance providers have specific guidelines for the type of driver that earns them the most money. For example, a desirable risk might have to be between the ages of 30 and 45, has no tickets, and has a short commute. Anybody who meets those qualifications will probably get the lowest prices and will also cut their rates substantially.

Consumers who fall outside these standards may receive a more expensive rate which leads to the prospect going elsewhere. Company advertisements say “people that switch” not “everybody who quotes” can save as much as they claim. That is how companies can truthfully make the claims of big savings.

Because each company has a different risk profile, you need to get car insurance quotes from several different companies. It’s not possible to predict which auto insurance company will have the best car insurance rates at this point in time.

Specific coverages for a Mitsubishi Eclipse

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, hail damage, hitting a bird and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Mitsubishi Eclipse.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, crashing into a building, sustaining damage from a pot hole, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for prosthetic devices, nursing services and funeral costs. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability insurance – Liability insurance will cover damage that occurs to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair bills for other people’s vehicles, medical expenses and pain and suffering. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Saving money makes a lot of cents

We just covered a lot of ways to lower your 2000 Mitsubishi Eclipse insurance prices. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable car insurance. You may even find the lowest priced insurance comes from a small local company.

Drivers change insurance companies for a variety of reasons including poor customer service, lack of trust in their agent, questionable increases in premium or being labeled a high risk driver. It doesn’t matter what your reason, choosing a new company is not as hard as you think.

Cheap 2000 Mitsubishi Eclipse insurance can be found online in addition to local insurance agencies, so you should compare both to have the best selection. A few companies may not provide online quoting and usually these regional carriers prefer to sell through independent insurance agencies.

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Comments About 2000 Mitsubishi Eclipse Insurance

  1. Kenton Daniel

    It all costs too much. I’m in the north part of Oklahoma City, Oklahoma. Compared rates from a lot of places. Saved roughly $20 a month. Progressive was the most affordable for me. Got better coverage too. I only have liability coverage on it.

  2. Noah Cabrera

    It’s all a rip off. Got a quote with Amica for my 2000 Mitsubishi Eclipse and cut my rates about $110 a year. It’s easy to compare rates online now.

  3. Janet Elliott

    2000 Mitsubishi Eclipse + GEICO = GOOD RATES!

  4. Maia Munoz

    Good site, thanks. I live in a small town just outside of Charleston, SC. Quoted quotes with State Farm, Liberty Mutual, and Esurance for my Mitsubishi and saved around $90 a year. I have a teen driver too.

  5. Savanna Chapman

    Thought I’d throw in my experience. I live in a small town just outside of Paterson, NJ. Don’t remember every company but I ended up saving about $20 each month. BTW speeding tickets are not good. LOL

  6. Clotilde Payne

    From a town just southwest of Birmingham, AL. Compared rates from a lot of places. Saved about $20 a month. State Farm was the cheapest for me. You can get a rate quote online. I just carry liability insurance.

  7. Jerri Byrd

    Hope my rates come down. From northwest of Tulsa, Oklahoma. Quoted quotes with Amica, Esurance, and Safeco for my Mitsubishi and saved just over $60 a year. Good multi-policy discounts. It’s still not cheap enough.

  8. Wesley Bowman

    From north side of Bismarck, ND. Quoted with Travelers, American Family, The General, and Mercury for my Eclipse and I’m now saving $14 a month. Have a couple speeding tickets too. Wish I didn’t have to insure at all.