Compare 1999 Mitsubishi Eclipse Insurance Cost

Looking for cheaper car insurance rates for your Mitsubishi Eclipse? No normal person enjoys paying for car insurance, in particular when they could find better prices if they shop around.

Lots of insurers contend to insure your vehicles, and it can be difficult to compare rates to get the best rates possible.

It’s important to do rate comparisons once or twice a year because prices are usually higher with each renewal. Just because you found the lowest rates on Eclipse insurance a year ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about car insurance because we’re going to demonstrate the only way to reduce your cost while improving coverage.

If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. Although consumers do need to know how companies sell insurance online.

Use discounts to get cheaper car insurance rates

Some insurance providers don’t always publicize every disount available in a way that’s easy to find, so we break down both well-publicized and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

  • Multiple Policy Discount – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • One Accident Forgiven – Not really a discount, but some insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a specific time period.
  • Good Student Discount – Excelling in school can save 20 to 25%. You can use this discount normally up until you turn 25.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more off the medical payments premium.
  • Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount because newer models keep occupants safer.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts will lower your car insurance premiums.

Some of the insurance companies who may offer many of the previously listed discounts include:

If you need affordable car insurance quotes, ask all the companies which discounts can lower your rates. All car insurance discounts may not be offered everywhere. If you would like to view insurance companies offering car insurance discounts, click here to view.

How your Eclipse insurance prices are determined

When buying car insurance it’s important to understand some of the elements that aid in calculating car insurance rates. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that could help you find big savings. Lots of things are used in the calculation when you get a price on insurance. Most are fairly basic like your driving record, although some other factors are less apparent like where you live or your commute time.

  • Lower premiums for vehicles with better crash test results – Cars with five star safety ratings can get you lower premiums. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries translates directly to fewer claims which can mean better rates for you. If your Mitsubishi Eclipse has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Higher deductibles lower costs – Deductibles for physical damage represent how much money you are required to spend if the claim is covered. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some coverage claims would be collision with another vehicle, hail damage, and damage from wind. The larger the amount you’re willing to pay, the lower your rates will be on Eclipse insurance.
  • Put fewer miles on your vehicle – The more miles you rack up on your Mitsubishi each year the higher your rate. Almost all companies charge rates based upon how you use the vehicle. Cars and trucks that have low annual miles qualify for better rates than vehicles that are driven to work every day. A policy that improperly rates your Eclipse can cost quite a bit. It’s a good idea to make sure your policy reflects the proper vehicle usage, because it can save money.
  • Qualify for multi-policy discounts – Most major insurers give lower prices to clients who have multiple policies with them. It’s known as a multi-policy discount. The amount of the discounts can be 10 percent or more. Even if you’re getting this discount it’s in your best interest to compare other company rates to help ensure you have the lowest rates.
  • Extra coverages are wasting money – Policies have extra bells and whistles that may not really be needed when buying car insurance. Insurance for things like roadside assistance, accidental death, and extra life insurance coverage are some examples. They may seem good when deciding what coverages you need, but now you might not need them so eliminate the coverages to reduce your premium.
  • Guys are more aggressive – Over the last 30 years, statistics show women are more cautious behind the wheel. Now that doesn’t mean females are better drivers. Both sexes are in at-fault accidents at a similar rate, but the men tend to have higher claims. Not only are claims higher, but men get ticketed for serious violations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident so it costs more to insure them.

Tailor your car insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique and your policy should reflect that. For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • When should my teen driver be added to my policy?
  • Do I pay less for low miles?
  • How much liability insurance is required?
  • Is a new car covered when I drive it off the dealer lot?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when driving a rental car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when using my vehicle for business?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my 1999 Mitsubishi Eclipse covered for flood damage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Switch companies and save? Really?

Big name companies like Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. They all seem to make the same claim that drivers will save a bundle if you move your coverage to them. That’s great but how can every company charge less that you’re paying now? It’s all in the wording.

Many companies are able to cherry pick for the type of driver that will most likely be profitable. A good example of a profitable customer might be described as a married female, carries full coverage, and has great credit. Someone that matches those criteria receives the best rates as well as cut their rates substantially.

Consumers who cannot meet this ideal profile may be forced to pay a more expensive rate and this can result in the customer buying from someone else. If you pay attention, the ads say “people that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why insurance companies can state the savings.

This illustrates why drivers should compare rate quotes every year. It is impossible to predict which insurance companies will have the lowest premium rates for your situation.

Coverages available on your policy

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a deer, damage from flooding and rock chips in glass. The maximum payout you’ll receive from a claim 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

Collision coverage pays for damage to your Eclipse resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, sustaining damage from a pot hole, scraping a guard rail, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

This will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as structural damage, funeral expenses, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills for X-ray expenses, doctor visits, chiropractic care, rehabilitation expenses and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Find Good Coverage for Less

Low-cost 1999 Mitsubishi Eclipse insurance is possible online as well as from independent agents, so you need to shop car insurance with both in order to have the best chance of saving money. Some auto insurance companies do not provide rate quotes online and these small insurance companies only sell through independent insurance agencies.

We covered many ways to shop for 1999 Mitsubishi Eclipse insurance online. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from the smaller companies. Some small companies can often provide lower prices in certain areas compared to the large companies like State Farm, Geico and Nationwide.

More detailed auto insurance information is located by following these links: