Save on 2003 Mitsubishi Eclipse Insurance Rates

Want better car insurance rates for your Mitsubishi Eclipse? Having to pay for overpriced Mitsubishi Eclipse insurance can drain your personal savings and force you to make sacrifices. Doing a price comparison is free and is an excellent way to lower your monthly bill.

Insurance companies such as GEICO, Farmers Insurance and State Farm promote their brand names with fancy advertisements and consumers find it hard to ignore the flashy ads and find the best price available.

Discounts are available to cut your rates

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so we break down both the well known and the more hidden savings tricks you should be using.

  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up over the internet.
  • Organization Discounts – Being a member of a professional or civic organization could qualify you for a break on your policy for Eclipse coverage.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.

Drivers should understand that some credits don’t apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies that may have some of the above discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts they offer. Some discounts may not apply in your area.

Compare Quotes for Insurance

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way to do it. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to achieve your goal.

Most major companies belong to a marketplace that enables customers to submit their information once, and each participating company then gives them pricing based on the submitted data. This system prevents you from having to do quotation requests for every insurance company.

To compare pricing click here to open in new window.

The only downside to pricing coverage this way is that you can’t choose the insurers to receive prices from. So if you want to choose specific providers to compare rates, we have a page of insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you use the exact same deductibles and coverage limits for each comparison quote. If you have unequal deductibles or liability limits you can’t possibly make a fair comparison for your Mitsubishi Eclipse. Just a small difference in coverages may result in large price differences. And when comparing insurance rates, know that more quotes gives you a better chance of getting the best offered rates.

Everyone needs different coverages

When buying the best car insurance coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions may help you determine whether you might need an agent’s assistance.

  • Are my friends covered when driving my car?
  • What can I do if my company won’t pay a claim?
  • Is my teen driver covered when they drive my company car?
  • What is PIP insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Are rock chip repairs covered?
  • Is my 2003 Mitsubishi Eclipse covered for smoke damage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills like rehabilitation expenses, surgery, chiropractic care and doctor visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Mitsubishi Eclipse.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, rock chips in glass, damage from flooding, vandalism and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Coverage for liability

Liability coverage will cover damage that occurs to other people or property that is your fault. It protects you from claims by other people. It does not 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 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like bail bonds, repair bills for other people’s vehicles, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Final thoughts

We just presented many tips how you can save on 2003 Mitsubishi Eclipse insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from an unexpected company. Smaller companies may only write in your state and offer lower rates than their larger competitors like Progressive or GEICO.

Affordable insurance is available from both online companies and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Additional insurance information can be read at these links: