Cheaper 2010 Mitsubishi Eclipse Car Insurance Quotes

Trying to find better insurance rates for your Mitsubishi Eclipse? Searching for low-cost insurance over the internet is impossible for beginners to comparison shopping online. With dozens of online companies available, how can drivers even start to compare every company to locate the lowest price available?

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. Buying affordable protection can be fairly easy. But drivers do need to know how insurance companies market on the web and use this information to your advantage.

Discounts are available to cut your rates

Car insurance can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically when you quote, but a few need to be inquired about prior to receiving the credit.

  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of more than 20%.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Eclipse coverage with select insurance companies.
  • Own a Home – Being a homeowner may trigger a insurance coverage policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school.
  • Claim Free – Claim-free drivers pay much less when compared to bad drivers.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.

It’s important to note that most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you can get free auto insurance, companies don’t profit that way. But all discounts will reduce your premiums.

Companies who might offer these discounts include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Discounts might not apply in every state.

Factors that can influence Mitsubishi Eclipse insurance rates

Smart consumers have a good feel for the factors that help determine your car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get lower car insurance prices.

  • Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • Clean credit earns discounts – Your credit history is a important factor in determining your rates. Therefore, if your credit score is not that good, you could pay less to insure your 2010 Mitsubishi Eclipse by improving your credit score. Consumers who have high credit scores tend to be less risk to insure than drivers with lower credit scores.
  • Older drivers save more – Older drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel. Teenage drivers are known to be less responsible behind the wheel and because of this, their car insurance rates are much higher.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for car insurance? Occupations such as real estate brokers, business owners and stock brokers have the highest rates because of high stress and lots of time spent at work. On the other hand, occupations such as actors, students and performers get better rates on Eclipse coverage.
  • Having a spouse can save you money – Having a wife or husband actually saves money on car insurance. Having a spouse translates into being more responsible and statistics show drivers who are married are more cautious.
  • Frequent car insurance claims increase rates – Auto insurance companies award lower rates to drivers who file claims infrequently. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Mitsubishi earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Rural vs Urban Areas – Living in a rural area is a positive aspect when it comes to car insurance. Urban drivers have more traffic problems and a longer drive to work. Fewer people means fewer accidents and also fewer theft and vandalism claims.

Everyone needs different coverages

When choosing adequate coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

For instance, these questions might point out whether or not you could use an agent’s help.

  • When should my teen driver be added to my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is pleasure use cheaper than using my 2010 Mitsubishi Eclipse to commute?
  • Can I get a multi-policy discount?
  • What are the best liability limits?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Car insurance coverage information

Understanding the coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage protection

Collision insurance covers damage to your Eclipse caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, crashing into a building, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Mitsubishi Eclipse.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, vandalism, a broken windshield and fire damage. The most 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 consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like nursing services, surgery, hospital visits and funeral costs. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay


Liability coverage can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, loss of income, structural damage, medical services and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Be Smart and Buy Smart

As you shop your coverage around, never buy less coverage just to save a little money. There are too many instances where an accident victim reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at the best price while still protecting your assets.

Low-cost 2010 Mitsubishi Eclipse insurance can be bought online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide online quoting and these small, regional companies work with independent agents.

Insureds leave their current company for many reasons like delays in paying claims, extreme rates for teen drivers, lack of trust in their agent and poor customer service. No matter why you want to switch, switching auto insurance companies is not as hard as you think.

More tips and info about auto insurance is located at these sites: