Save on 2010 Mitsubishi Eclipse Insurance Rates

Price shopping your insurance is always challenging for consumers not familiar with shopping for insurance online. There are so many companies to choose from that it can turn into a ton of work to find lower rates.

Comprehensive Insurance Comparison

There are multiple methods you can shop for 2010 Mitsubishi Eclipse insurance but there is one way that is easier and takes less work. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most of the larger companies participate in an industry program that enables customers to enter their coverage request one time, and each company can provide price quotes. This system prevents you from having to do quotation requests for each company.

To submit your quote information now, click here to open in new window.

The only downside to comparing rates this way is you cannot specify which companies to receive prices from. If you would rather choose from a list of companies to compare, we have a page of insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just double check that you are using identical coverages for each comparison quote. If your comparisons have different limits and deductibles on each one it will be next to impossible to determine the best price for your Mitsubishi Eclipse. Having just a slight variation in limits may result in large price differences. And when comparing insurance rates, know that getting more free quotes helps locate better pricing.

How to save on Mitsubishi Eclipse insurance

Companies don’t list all their discounts in a way that’s easy to find, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using.

  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings on your policy for Eclipse insurance.
  • Student in College – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.

Consumers should know that many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

To see a list of companies who offer insurance discounts, follow this link.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions might help in determining if your insurance needs could use an agent’s help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I buy only the required minimum liability coverage?
  • Does coverage extend to a rental car in a foreign country?
  • What vehicles should carry emergency assistance coverage?
  • Is pleasure use cheaper than using my 2010 Mitsubishi Eclipse to commute?
  • Do I need motorclub coverage?
  • Am I better off with higher deductibles on my 2010 Mitsubishi Eclipse?
  • Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance 101

Knowing the specifics of auto insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as surgery, chiropractic care, prosthetic devices, ambulance fees and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability auto insurance

This coverage will cover damage that occurs to a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like funeral expenses, pain and suffering, attorney fees and medical services. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people 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.

Don’t be a big spender

In this article, we covered a lot of ways to shop for 2010 Mitsubishi Eclipse insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest priced insurance comes from a lesser-known regional company.

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. There are too many instances where drivers have reduced collision coverage and discovered at claim time that it was a big error on their part. Your aim should be to buy a smart amount of coverage at the best price.

Drivers switch companies for a variety of reasons including an unsatisfactory settlement offer, lack of trust in their agent, high prices or even high rates after DUI convictions. Regardless of your reason for switching companies, finding a new company can be less work than you think.

To learn more, take a look at the following helpful articles: