Compare 2000 Mitsubishi Eclipse Insurance Quotes

Trying to find cheaper insurance rates for your Mitsubishi Eclipse? No one in their right mind enjoys paying for insurance, especially when they know they could find better prices if they shop around.

Having so many insurance companies to choose from, it is very difficult to locate the most cost effective insurance provider.

Buying car insurance is not that difficult. Basically, everyone who shops for insurance coverage stands a good chance to be able to lower their premiums. But drivers need to learn how big insurance companies market on the web.

The most recommended method to compare insurance rates from multiple companies is to realize most of the larger companies participate in a system to give you rate quotes. All consumers are required to do is provide a little information like your general credit rating, if you went to college, how much coverage you want, and daily mileage. The data gets sent immediately to many different companies and you will receive price estimates almost instantly.

Don’t believe everything you hear

Big name companies like Progressive, Allstate and Geico constantly bombard you with ads on television and other media. All the ads say the same thing that drivers will save a bundle just by moving to them. That’s great but how can every company make the same claim? This is the trick they use.

Insurance providers quote their cheapest rates for the right customer that earns them the most money. One example of this type of risk profile might be a female over age 40, has no driving citations, and drives a lower-performance vehicle. A propective insured who matches that profile will probably get the lowest car insurance rates and is almost guaranteed to save when they switch companies.

Insureds who do not match the ideal profile will be quoted a higher premium with the end result being the customer not purchasing. The wording the ads use say “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how insurance companies can make claims like that. This really illustrates why drivers should get price quotes at each policy renewal. Because you never know which insurance companies will have the best premium rates.

Do you qualify for discounts?

Some providers don’t always advertise all available discounts in an easy-to-find place, so the following list contains some of the best known as well as some of the hidden ways to save on auto insurance.

  • More Vehicles More Savings – Drivers who insure more than one vehicle on the same auto insurance policy can reduce the rates for all insured vehicles.
  • Memberships – Being in a civic or occupational organization could trigger savings on auto insurance.
  • Early Renewal Discounts – Some companies provide a discount for renewing your policy prior to your current policy expiring. This discount can save up to 10%.
  • Auto/Life Discount – Some companies give a discounted premium rate on car insurance if you buy a life policy as well.
  • Good Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on Eclipse coverage than drivers with accidents.

Please keep in mind that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. So even though you would think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Larger auto insurance companies and a summarized list of policyholder discounts include:

  • State Farm includes discounts for driver’s education, defensive driving training, safe vehicle, good driver, and multiple autos.
  • Farmers Insurance offers premium reductions for business and professional, youthful driver, alternative fuel, distant student, and pay in full.
  • Geico may offer discounts for membership and employees, anti-lock brakes, daytime running lights, emergency military deployment, multi-vehicle, air bags, and seat belt use.
  • American Family has discounts for accident-free, good student, air bags, early bird, defensive driver, and good driver.
  • Nationwide offers discounts for multi-policy, defensive driving, business or organization, easy pay, Farm Bureau membership, and accident-free.
  • Progressive policyholders can earn discounts including multi-vehicle, good student, online quote discount, online signing, homeowner, and multi-policy.

When quoting, ask every company to apply every possible discount. Depending on the company, some discounts might not be offered on policies in your area. To see auto insurance companies that can offer you the previously mentioned discounts, click here to view.

Don’t assume everyone needs the same car insurance coverage

When choosing the right insurance coverage, there is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your situation could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • Is extra glass coverage worth it?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I have coverage when making deliveries for my home business?
  • Does car insurance cover theft of personal property?
  • Do I have coverage if my license is suspended?
  • Exactly who is provided coverage by my policy?
  • I have health insurance so do I need medical payments coverage?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for chiropractic care, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by 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 and also covers being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, driving through your garage door, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, damage from a tornado or hurricane, theft, vandalism and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mitsubishi Eclipse.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values 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 a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like repair costs for stationary objects, court costs, structural damage, legal defense fees and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

More quotes mean more savings

We just showed you some good ideas how to lower your 2000 Mitsubishi Eclipse insurance rates. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even discover the lowest rates come from a lesser-known regional company. They can often provide lower car insurance rates in certain areas compared to the large companies like State Farm and Allstate.

Lower-priced insurance can be found both online as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not offer online quoting and many times these small, regional companies work with local independent agents.

When you buy insurance coverage online, make sure you don’t buy poor coverage just to save money. Too many times, someone dropped uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

To learn more, take a look at the resources below: