How Much Does 2009 Mitsubishi Eclipse Insurance Cost?

Trying to find better car insurance rates for your Mitsubishi Eclipse? Trying to come up with a payment for expensive car insurance can take a big chunk out of your checking account and make it tough to pay other bills. Doing a price comparison is a fast and free way to tighten up your finances.

Due to the abundance of choices, it is very difficult to pick the best insurer.

You should take the time to compare rates quite often since prices go up and down regularly. Even if you got the lowest rates on Eclipse insurance on your last policy you can probably find a better rate quote now. You’ll find a ton of advice on car insurance online, but we’re going to give you some great ways to lower your car insurance rates.

Finding the best rates is quite easy. In a nutshell, every vehicle owner who has to buy car insurance most likely will be able to find lower rates. But drivers should learn how companies market insurance on the web.

Take policy discounts and save

Car insurance companies don’t always list every discount very clearly, so the following list contains both the well known and the more hidden discounts that may be available.

  • Driver’s Ed – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.
  • Defensive Driver Discounts – Participating in a defensive driver class can save you 5% or more and easily recoup the cost of the course.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can save as much as half off their rates on Eclipse insurance than drivers with accident claims.
  • Fewer Miles Equal More Savings – Driving fewer miles could earn substantially lower premium rates.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because maintaining a house means you have a higher level of financial diligence.
  • Air Bag Discount – Factory air bags may qualify for discounts of up to 25% or more.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control can reduce accidents and will save you 10% or more.
  • First Accident Forgiveness – Not necessarily a discount, but companies like Progressive, Allstate, and Geico may permit one accident before they charge you more for coverage if you are claim-free before the accident.

Please keep in mind that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

A list of insurance coverage companies and the discounts they provide are:

  • Farm Bureau offers discounts for good student, renewal discount, multi-vehicle, 55 and retired, safe driver, and driver training.
  • State Farm may include discounts for anti-theft, good student, safe vehicle, accident-free, Drive Safe & Save, passive restraint, and multiple autos.
  • Progressive includes discounts for multi-vehicle, good student, continuous coverage, homeowner, online quote discount, multi-policy, and online signing.
  • Allstate policyholders can earn discounts including teenSMART discount, senior citizen, eSmart discount, good payer, good student, and premier plus.
  • Nationwide may have discounts that include anti-theft, multi-policy, business or organization, easy pay, accident-free, and defensive driving.
  • MetLife discounts include claim-free, defensive driver, good driver, good student, accident-free, and multi-policy.

Before you buy a policy, ask each company or agent which discounts you qualify for. Some of the earlier mentioned discounts may not be offered in your area. To find insurance companies that offer many of these discounts, click here to view.

What determines Mitsubishi Eclipse insurance rates?

It’s important that you understand some of the factors that aid in calculating the rates you pay for insurance. When you know what positively or negatively impacts premium levels, this enables informed choices that can earn you big savings. Many different elements are considered when premium rates are determined. Some of the criteria are obvious like an MVR report, although others are more transparent like your continuous coverage or how financially stable you are.

The factors shown below are just a few of the factors utilized by car insurance companies to help set your premiums.

  • More traffic equals higher rates – Choosing to live in small towns and rural areas is a positive aspect when buying insurance. Lower population means less chance of accidents in addition to fewer liability claims. People who live in big cities have more aggressive driving styles and more severe claims. Spending more time driving means higher likelihood of an accident.
  • Your employer is a factor – Do you work in a high-stress field? Jobs like judges, social workers and stock brokers have the highest rates due to high stress and lots of time spent away from family. On the other hand, occupations such as scientists, historians and performers receive lower rates on Eclipse insurance.
  • Do you really need to file that insurance claims? – Car insurance companies provide most affordable rates to policyholders who do not file claims often. If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Your car insurance is designed for claims that you cannot pay yourself.
  • Drive a safer car and pay less – Vehicles that have high safety ratings tend to have better insurance rates. These vehicles have better occupant injury protection and fewer injuries means your insurance company pays less passed on to you as lower rates.
  • Male premiums may be higher – Statistics demonstrate that females take fewer risks when driving. The data does not necessarily mean that women are better drivers. Males and females cause fender benders at about the same rate, but guys tend to have higher claims. They also receive more major tickets such as reckless driving.
  • Responsible credit saves on insurance – Having a good credit rating is a big factor in your rate calculation. So if your credit could use some work, you could be paying less to insure your 2009 Mitsubishi Eclipse if you improve your credit rating. Insureds that have very good credit scores tend to file fewer claims as compared to drivers with worse credit.
  • Premiums are high for teenagers – Beginning drivers have a tendency to be inattentive in a vehicle so they pay higher insurance rates. Older insureds are shown to be more cautious, cause fewer claims and accidents and receive fewer citations.
  • Bad driving means higher premiums – Your driving record impacts premiums far more than you think. Even one chargable violation can increase rates by as much as thirty percent. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers who have flagrant citations such as reckless driving or DUI are required to prove financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.

Which policy gives me the best coverage?

When it comes to choosing coverage, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

  • What if I total my 2009 Mitsubishi Eclipse and owe more than it’s worth?
  • Am I covered if I break a side mirror?
  • Am I covered if I hit my neighbor’s mailbox?
  • Can I afford to buy a different vehicle if my 2009 Mitsubishi Eclipse is totaled?
  • How much underlying liability do I need for an umbrella policy?
  • When does my teenage driver need to be added to my policy?
  • Are split liability limits better than a combined single limit?
  • What is UM/UIM insurance?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverage considerations

Learning about specific coverages of auto insurance aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Mitsubishi Eclipse.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, hitting a bird and falling objects. The most 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.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for surgery, chiropractic care, pain medications and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – This pays for damage to your Eclipse caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability auto insurance – Liability insurance protects you from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as funeral expenses, pain and suffering, medical expenses, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Smart shoppers get results

We’ve covered a lot of tips how to get a better price on 2009 Mitsubishi Eclipse insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding low cost auto insurance. Consumers may even find the lowest prices come from a smaller regional carrier. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

Cheaper 2009 Mitsubishi Eclipse insurance is possible online and from local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who may not have rates over the internet and most of the time these regional insurance providers sell through local independent agents.

When trying to cut insurance costs, do not buy less coverage just to save a little money. There have been many situations where consumers will sacrifice collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

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