Cheaper 1997 Mitsubishi Eclipse Insurance Quotes

Trying to find better auto insurance rates for your Mitsubishi Eclipse? Paying for high-priced Mitsubishi Eclipse insurance can dwindle your savings account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances. There are many insurers to buy insurance from, and although it’s a good thing to have multiple companies, having more car insurance companies makes it harder to get the best deal.

It’s smart to get comparison quotes periodically since rates fluctuate regularly. Despite the fact that you may have had the lowest price for Eclipse insurance two years ago a different company probably has better rates today. Ignore everything you know about auto insurance because you’re about to find out how to use online quotes to find great coverage at a great price.

Take discounts and save

Auto insurance companies don’t list every available discount in an easy-to-find place, so we researched both the well known and also the lesser-known insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Eclipse insurance than less cautious drivers.
  • Driver Safety – Taking part in a driver safety course could cut 5% off your bill if you qualify.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Eclipse insurance with certain companies.
  • Accident Waiver – Certain companies allow you one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Homeowners Savings – Owning a house may earn you a small savings because owning a home is proof that your finances are in order.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may qualify for this discount.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. Just because you may think adding up those discounts means a free policy, companies don’t profit that way.

To see a list of insurers offering insurance discounts, click this link.

Cheap Auto Insurance Comparisons

Getting a lower price on 1997 Mitsubishi Eclipse insurance is a fairly straight forward process. Consumers just need to take a few minutes comparing price quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This form prevents you from having to do repetitive form submissions for each company you want a rate for. One form will get you rate comparisons from several companies.

A harder way to shop for auto insurance online is to take the time to go to each company website and request a quote. For example, let’s assume you want to compare rates from Liberty Mutual, Allstate and Farmers. You would have to go to every website and enter your information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

The hardest method to compare rates is to spend time driving to local insurance agencies. Buying insurance online makes this process obsolete unless you have a need for the trained guidance of a local agent. Drivers can compare the best prices online and get advice from an agent in your area and you’ll learn how to do that later.

Which method you use is up to you, but compare identical coverages for each comparison quote. If you have different values for each quote it will be very difficult to find the best deal for your Mitsubishi Eclipse.

What determines your Mitsubishi Eclipse insurance premium

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for insurance. Understanding what determines base rates enables informed choices that may reward you with lower insurance prices.

Shown below are some of the items insurance companies consider when setting rates.

  • Your job and insurance rates – Did you know your occupation can influence how much you pay for insurance? Jobs such as doctors, social workers and dentists tend to pay the highest average rates attributed to stressful work requirements and lots of time spent at work. Other jobs such as farmers, historians and homemakers have the lowest average rates for Eclipse insurance.
  • Don’t get talked into coverage you don’t need – There are a ton of extra bells and whistles that can waste your money on your Eclipse policy. Coverages like rental car reimbursement, accident forgiveness and membership fees are examples of these. These coverages may sound good initially, but your needs may have changed so get rid of them and save.
  • Safer cars cost less to insure – Safer cars are cheaper to insure. These vehicles reduce injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If the Mitsubishi Eclipse has ratings of a minimum four stars on it is probably cheaper to insure.
  • Where you live – Residing in a small town can be a good thing when it comes to insurance. City drivers regularly have much more traffic and longer commute times. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
  • Car features impact rates – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Bad driving skills means higher rates – Whether or not you get tickets has a huge affect on how much you pay. Careful drivers receive lower rates than their less careful counterparts. Even one ticket can boost insurance rates forty percent or more. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Discounts for multiple policies – Many insurers will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare rates to make sure you are getting the best deal. You may still find a better deal by buying insurance from a different company.
  • Marriage pays dividends – Being married can actually save you money on your insurance policy. Having a spouse is viewed as being more mature and it’s proven that being married results in fewer claims.

Which policy gives me the best coverage?

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

  • Is upholstery damage covered by car insurance?
  • Why is insurance for a teen driver so high?
  • Do I need an umbrella policy?
  • Is my cargo covered for damage or theft?
  • Will my rates increase for filing one claim?
  • How much liability coverage do I need in my state?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Can you really save that much by switching?

Consumers constantly see and hear ads for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies make an identical promise about savings if you change your policy.

How do they all make the same claim?

Different companies have a preferred profile for the driver that makes them money. For example, a desirable insured could be between 25 and 40, has no prior claims, and has a high credit rating. A driver who meets those qualifications will get very good rates and most likely will cut their rates substantially.

Drivers who fall outside the “perfect” profile will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save that much. That’s the way insurance companies can confidently make those claims. Because of the profiling, you absolutely need to get quotes from several different companies. Because you never know which insurance companies will have the lowest Mitsubishi Eclipse insurance rates.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mitsubishi Eclipse.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability – This can cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Collision – This coverage will pay to fix 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 then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, colliding with a tree, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, hitting a deer and fire damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for doctor visits, dental work, X-ray expenses and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Spend less. Save more.

We’ve covered many ways to save on 1997 Mitsubishi Eclipse insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the best prices are with the smaller companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

Discount insurance is definitely available from both online companies as well as from independent agents, and you should be comparing both to have the best rate selection. Some car insurance companies don’t offer online price quotes and these small insurance companies work with independent agents.

When you buy insurance online, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where an insured cut liability coverage limits only to regret at claim time that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

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