2011 Mitsubishi Eclipse Car Insurance Rates

Looking for better auto insurance rates for your Mitsubishi Eclipse? Searching for affordable auto insurance can seem to be intimidating for drivers who are beginners to quoting and comparing prices on the internet. Since there are so many online companies, how are drivers expected to be able to compare every one to find the lowest price?

It’s a good habit to price shop coverage once or twice a year because auto insurance prices are constantly changing. If you had the lowest price on Eclipse coverage six months ago other companies may now be cheaper. You’ll find a ton of advice on auto insurance on the web, but by reading this article, you’re going to learn some good information on how to stop overpaying for insurance.

How to find affordable auto insurance

Shopping for lower auto insurance rates can be exhausting if you don’t know the most efficient way. You can waste a lot of time discussing policy coverages with agents in your area, or you can utilize online quotes to maximize your effort.

Many companies belong to a marketplace where prospective buyers complete one form, and each company then returns a price quote determined by their information. This system prevents you from having to do quote forms for each company.

To find out what other companies charge click here (opens in new window).

The single downside to using this type of system is that you can’t choose which providers to receive prices from. If you wish to select from a list of companies to compare, we have a page of low cost auto insurance companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just be sure to compare apples-to-apples coverage information on every quote. If you enter different coverage information it’s impossible to determine the lowest rate for your Mitsubishi Eclipse. Even a minor difference in insurance coverages or limits could skew the results. Keep in mind that getting more free quotes increases the change that you will find the best price. Some insurance companies are not set up to provide online quotes, so it’s recommended that you also compare rates from the smaller companies as well.

Save $418 a year. For real?

State Farm, Allstate and Geico consistently run ads in print and on television. All the companies make the same claim about savings after switching your policy. Is it even possible that every company can charge you a lower premium?

All the different companies have a certain “appetite” for the type of driver that earns them the highest profit. One example of this type of risk profile may be over the age of 40, carries high limits, and drives less than 10,000 miles a year. Any new insured that meets those criteria will get a cheap rate quote and will probably cut their rates substantially.

People who cannot meet this stringent profile will see a more expensive rate and the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” not “all people who quote” can save as much as they claim. That is how insurance companies can confidently make the claims of big savings. This illustrates why you really need to compare price quotes frequently. It’s just too difficult to predict which company will fit your personal profile best.

Discount auto insurance rates

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that could drop your premiums quite a bit. Some trigger automatically at the time of purchase, but a few must be asked for before you will receive the discount.

  • Distant College Student Discount – Children who live away from home to go to college without a vehicle on campus may be able to be covered for less.
  • Early Signing – Select larger companies give a discount for buying a new policy before your current policy expires. Ten percent is about the average savings.
  • Buy New and Save – Buying a new car model can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
  • Telematics Devices – Drivers that enable their auto insurance company to analyze driving manner remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they are good drivers.
  • Theft Deterent – Cars equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a car insurance quote.
  • One Accident Forgiven – Not really a discount, but a few companies such as Geico and Liberty Mutual will allow you to have one accident without raising rates with the catch being you have to be claim-free prior to the accident.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
  • Accident-Free Discounts – Insureds with no claims or accidents get the best auto insurance rates in comparison to bad drivers.
  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
  • Service Members Pay Less – Having an actively deployed family member could be rewarded with lower prices.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

Companies that may have these benefits include:

If you want low cost car insurance quotes, ask all companies you are considering which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies everywhere. For a list of companies who offer cheap auto insurance quotes, click this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I afford to buy a different vehicle if my 2011 Mitsubishi Eclipse is totaled?
  • When do I need to add a new car to my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Specific coverage details

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverage

This covers damage to your Eclipse from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, colliding with a tree, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, hospital visits, chiropractic care and surgery. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, falling objects and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mitsubishi Eclipse.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims such as attorney fees, bail bonds, loss of income and court costs. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Be a penny pincher

Consumers who switch companies do it for a number of reasons such as policy non-renewal, lack of trust in their agent, extreme rates for teen drivers or delays in responding to claim requests. Whatever your reason, finding the right car insurance provider is actually quite simple.

We just presented many tips how you can lower your 2011 Mitsubishi Eclipse insurance premium rates. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the most savings is with the smaller companies.

When buying insurance coverage, never buy poor coverage just to save money. There have been many situations where someone sacrificed liability coverage limits only to discover later that it was a big mistake. Your goal is to buy a smart amount of coverage at the best price.

More information can be read at these links:

Comments About 2011 Mitsubishi Eclipse Insurance

  1. Youlanda Bowen

    I found pretty cheap rate quotes for a 2011 Mitsubishi Eclipse in Norman, OK. Ended up at right around $100 every six months with AIG Insurance.

  2. Alexandria Wong

    Cheapest quote for my 2011 Mitsubishi Eclipse was with Eastwood. Was with Western Auto Insurance. I think they have home insurance too. It’s still not cheap enough.

  3. Fletcher Cole

    I got a good deal I think. I live just to the south of Aurora, Illinois. Received prices from Safeco, Erie, State Farm, and American Family for my Eclipse and saved around $410 a year. Left AIG Insurance to switch. Teenage drivers are expensive! Not sure about claim service.

  4. Merri Fernandez

    I’m looking for cheaper coverage. Lifelong resident of Rio Rancho, New Mexico. Received prices from Hanover, AAA, MetLife, and a couple others for my Eclipse and saved just over $210 a year. Insured with Liberty Mutual before. They have free quotes online.

  5. Elvia Farrell

    I’m looking for cheaper coverage. Live in Fargo, North Dakota. Got car insurance quotes with GEICO, Amica, Erie, and GMAC for my Mitsubishi and I’m now saving $33 a month. Was with Western Auto Insurance.

  6. Coralee Ware

    Live in the northern part of Davenport, IA. Got car insurance quotes with Mercury, Encompass, GEICO, and AIG Insurance for my Mitsubishi and I think I saved about $30 each month.