2008 Mitsubishi Eclipse Car Insurance Cost – 6 Tricks for Cheaper Prices

Searching for better insurance coverage rates for your Mitsubishi Eclipse? Scraping up a payment for overpriced Mitsubishi Eclipse insurance can dwindle your bank account and make it hard to pay other bills. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

With consumers having so many options, it is very difficult to locate the lowest price insurer.

Choosing the best insurance company for you is easy if you know what you’re doing. Essentially every vehicle owner who shops for insurance coverage will more than likely be able to cut their insurance bill. But consumers need to have an understanding of how insurance companies sell insurance online.

Compare Insurance Costs

The are a couple different ways of comparing price quotes from different insurance companies. The quickest method to compare 2008 Mitsubishi Eclipse insurance prices consists of shopping online. This can be done using a couple different methods.

  1. Probably the best way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing separate forms for every insurance company. Filling out one form will get you rate comparisons from multiple low-cost companies.
  2. A harder way to compare prices is to take the time to go to the website of each company to request a price quote. For example, we’ll pretend you want comparison quotes from Auto-Owners, Liberty Mutual and GMAC. You would have to spend time on each company’s site 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.

It’s your choice how you get your quotes, but compare the exact same coverages with every price quote. If the quotes have mixed coverages you can’t possibly find the best deal for your Mitsubishi Eclipse. Slightly different coverages may result in a large different in cost. It’s important to know that getting more free quotes will enable you to find the best offered rates.

Discounts to lower 2008 Mitsubishi Eclipse insurance rates

Companies don’t list all their discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

  • Accident Waiver – A handful of insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Club Memberships – Belonging to a civic or occupational organization could trigger savings on auto insurance for Eclipse insurance.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Homeowners Pay Less – Being a homeowner may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
  • Bundle and Save – When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could save 15% off the personal injury premium cost.

It’s important to understand that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think you can get free auto insurance, companies don’t profit that way.

For a list of companies offering auto insurance discounts, click this link.

Tailor your coverage to you

When buying coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might point out if you may require specific advice.

  • What are the financial responsibility laws in my state?
  • Can my teen drive my company car?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I wreck a rental car?
  • I have a DUI can I still get coverage?
  • What is covered by UM/UIM coverage?
  • What is PIP insurance?
  • Can I rent a car in Mexico?
  • Does car insurance cover theft of personal property?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage information

Learning about specific coverages of insurance aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as emergency aid, pain and suffering, loss of income, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Mitsubishi Eclipse.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto collision coverage

This coverage pays for damage to your Eclipse caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

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

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for nursing services, chiropractic care, surgery, doctor visits and dental work. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, hitting a bird and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Pennies from heaven

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. In many instances, someone sacrificed physical damage coverage only to find out they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

We covered a lot of tips how to save on 2008 Mitsubishi Eclipse insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the best price on insurance coverage is with an unexpected company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

To learn more, link through to the resources below: