Save on 2006 Mitsubishi Eclipse Insurance Rates

Want the cheapest insurance rates for your Mitsubishi Eclipse? Sick and tired of sacrificing to insure your Mitsubishi every month? You have the same problem as many other consumers.

Vehicle owners have so many insurance companies to insure vehicles with, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates.

You need to do rate comparisons periodically since prices are variable and change quite frequently. Just because you had the best rate on Eclipse coverage on your last policy other companies may now be cheaper. Forget all the misinformation about insurance because it’s time to teach you the proper way to find better rates and still maintain coverage.

How to shop insurance online

Shopping for lower insurance rates can be a daunting task if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could save time and use the internet to get prices fast.

Many companies participate in a marketplace that enables customers to enter their coverage request one time, and at least one company returns a competitive quote based on that data. This eliminates the need for repetitive form submissions for each company.

To find out how much you can save on insurance click here to open in new window.

The only downside to using this type of system is you can’t choose which providers you want pricing from. So if you want to select individual companies to compare, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but make sure you compare the same information for each comparison quote. If your comparisons have different values for each quote it will be impossible to truly determine the lowest rate. Slightly different coverages may result in a large different in cost. Just remember that obtaining a wide range of quotes will enable you to find a better price.

Get affordable car insurance with discounts

Companies don’t always list every discount in a way that’s easy to find, so the next list breaks down some of the more common and also the more inconspicuous credits that may apply to you.

Government Employee Discount – Active or retired federal employment may reduce rates when you quote car insurance on Eclipse coverage depending on your car insurance provider.
Home Ownership Discount – Owning your own home or condo can save you money since owning and maintaining a home means you have a higher level of financial diligence.
Discounts for New Vehicles – Insuring a vehicle that is new can save you some money since new vehicles are generally safer.
Safe Driver Discount – Drivers without accidents may receive a discount up to 45% on Eclipse coverage than their less cautious counterparts.
Paperwork-free – Certain larger companies give back up to $50 for buying your policy online.
Membership in Organizations – Having an affiliation with certain professional organizations may earn a discount on your next car insurance statement.
Passive Restraints – Vehicles equipped with air bags can receive discounts as much as 30%.
Full Payment Discount – By paying your policy upfront rather than paying monthly you could save 5% or more.
Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.

You can save money using discounts, but most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will definitely lower your overall premium however.

For a list of insurers who offer online car insurance quotes, click this link.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine if your insurance needs might need professional guidance.

Does insurance cover tools stolen from my truck?
Am I covered if I hit my neighbor’s mailbox?
Is my teenager covered with friends in the car?
Is my nanny covered when driving my vehicle?
Do I have newly-aquired coverage?
Which is better, split liability limits or combined limits?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Coverages available on your policy

Knowing the specifics of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages offered by auto insurance companies.

Auto liability insurance

Liability coverage protects you from damage that occurs to other people or property. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair bills for other people’s vehicles, emergency aid and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like hospital visits, nursing services, EMT expenses, X-ray expenses and pain medications. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a bird, fire damage, vandalism and hitting a deer. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Mitsubishi Eclipse.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision insurance pays for damage to your Eclipse resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, driving through your garage door, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.