2009 Mitsubishi Eclipse Car Insurance Cost

Are you intimidated by the wide range of car insurance options? Many other consumers are too. There are so many options that it can turn into more work than you anticipated to find lower rates.

It’s a great practice to compare prices yearly due to the fact that insurance rates tend to go up over time. Even if you think you had the lowest price for Eclipse coverage a few years ago a different company probably has better rates today. Ignore everything you know about car insurance because you’re about to learn the tricks you need to know to find great coverage at a great price.

Pricing affordable auto insurance is simple if you know the tricks. Basically, every vehicle owner who buys auto insurance most likely will be able to find lower rates. Although car owners need to learn how big insurance companies determine prices and take advantage of how the system works.

Discounts are basically free money

Car insurance is not cheap, but there could be available discounts that you may not know about. Certain discounts will be applied when you complete an application, but some must be specially asked for before you get the savings.

  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Federal Employees – Employees or retirees of the government can save as much as 8% for Eclipse coverage with certain companies.
  • Sign Online – Some insurance companies will give a small break just for signing your application over the internet.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Bundle and Save – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Accident Waiver – A few companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Own a Home – Owning a home can help you save on insurance coverage due to the fact that maintaining a home shows financial diligence.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Eclipse coverage than less cautious drivers.

Drivers should understand that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you could get a free insurance coverage policy, it doesn’t quite work that way. But any discount will bring down the cost of coverage.

Companies who might offer these discounts may include but are not limited to:

Check with every prospective company how you can save money. Savings might not be offered in every state.

Insurance Quote Comparison

To find the best insurance prices, there are several ways to compare rate quotes from different insurance companies. By far the easiest way to compare 2009 Mitsubishi Eclipse insurance prices is to perform an online rate comparison. This can be accomplished in several different ways.

The recommended way consumers can analyze rates is a comparison rater form click to view form in new window. This form prevents you from having to do multiple quote forms for each company you want a rate for. One simple form gets you price quotes from multiple companies.It’s the quickest way to get rates.

Another way to obtain and compare quotes online consists of going to each company’s website and fill out their own quote form. For example, let’s say you want to compare rates from Nationwide, GEICO and Liberty Mutual. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples deductibles and coverage limits on every quote you get. If the quotes have different values for each quote it will be impossible to determine which rate is truly the best. Slightly different coverages may cause a big price difference. It’s important to know that comparing a large number of companies will improve the odds of getting a lower rate.

Factors that might impact rates for a Mitsubishi Eclipse

An important part of buying insurance is that you know the factors that help determine your insurance coverage rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with better insurance coverage rates.

  • Traffic violations increase rates – Your driving record has a big impact on rates. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Just one speeding ticket can bump up the cost by twenty percent. Drivers who get severe violations such as DUI or reckless driving may be required to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Younger drivers pay higher rates – Mature drivers are more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers tend to be more careless in a vehicle therefore insurance coverage rates are much higher.
  • Low deductibles can be expensive – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your Mitsubishi. A few examples of covered claims could be colliding with a building, collision with an animal, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket before your insurance coverage pays a claim. The more you have to pay, the less your company will charge you for insurance for Eclipse coverage.
  • Marriage brings a discount – Having a spouse can get you a discount when buying insurance coverage. Marriage is viewed as being more mature it has been statistically shown that married couples file fewer claims.
  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men are in accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations like reckless driving and DUI. Young males are most likely to cause an accident and are penalized with high insurance coverage rates.
  • Your car’s features help determine rates – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine whether your personal situation could use an agent’s help.

  • Can my babysitter drive my car?
  • I have a DUI can I still get coverage?
  • Can I drive in Mexico and have coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my insurance cover a custom paint job?
  • What happens if I owe more than my 2009 Mitsubishi Eclipse is worth?
  • Is my teen driver covered when they drive my company car?
  • Which companies will insure high-risk drivers?
  • How much liability do I need to cover my assets?
  • How does medical payments coverage work?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Auto insurance coverage basics

Understanding the coverages of your auto insurance policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.


Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as attorney fees, medical expenses and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses like prosthetic devices, EMT expenses, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mitsubishi Eclipse.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision protection

This coverage pays for damage to your Eclipse from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. 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 choose a higher deductible to get cheaper collision coverage.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, fire damage and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

And the best car insurance company is…

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced collision coverage to discover at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford while still protecting your assets.

In this article, we covered many tips how you can reduce 2009 Mitsubishi Eclipse insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers may even find the lowest priced insurance coverage comes from a small local company.

Insureds leave their current company for any number of reasons including an unsatisfactory settlement offer, high prices, unfair underwriting practices or high rates after DUI convictions. No matter why you want to switch, finding a new company can be pretty painless.

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