1990 Mitsubishi Eclipse Car Insurance Rates – 7 Tips for Cheaper Quotes

Scraping up a payment for high-priced Mitsubishi Eclipse insurance can take a big chunk out of your savings and force you to prioritize other expenses.

With vehicle owners having so many companies to choose from, it can be challenging to locate the cheapest company.

Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you will be able to save some money using these techniques. But drivers need to learn the way insurance companies price online insurance because it can help you find the best coverage.

Do you qualify for discount auto insurance?

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but some need to be manually applied before being credited.

• Senior Discount – Older drivers are able to get a discount up to 10% for Eclipse coverage.
• Discounts for Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Government Employee Discount – Federal government employees could provide a small rate reduction for Eclipse coverage depending on your auto insurance provider.
• Policy Bundle Discount – If you have multiple policies with the same company they may give you a discount of nearly 15% which can help you find cheap insurance.
• Lower Rates for Military – Being on active duty in the military could qualify you for better premium rates.
• First Accident Forgiveness – Not really a discount, but some companies like Allstate, State Farm and Geico will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free for a specific time period.
• Paperless Signup – Some auto insurance companies will give a small break for buying your policy over the internet.

A quick disclaimer, most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies that may include many of the previously listed discounts possibly include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

If you are trying to find the cheapest insurance quotes, ask each company the best way to save money. Some of the earlier mentioned discounts may not apply in your area. To find insurance companies that offer the discounts shown above, click here.

Insurance quotes comparison

Most larger insurance companies give prices for coverage from their websites. Getting quotes doesn’t take much effort as all you need to do is type in the coverage amounts you desire as detailed in the form. When the form is submitted, the system pulls reports for credit and driving violations and returns a price quote based on these factors. This makes it a lot easier to compare rates but the work required to visit different websites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible in order to find the lowest insurance rates.

A better way to find lower prices requires only one form that gets prices from several different companies. This type of form saves time, reduces the work, and makes online shopping a lot less work. As soon as you send your information, your coverage is rated and you can choose any one of the returned quotes. If you find a better price you can click and sign and buy the new coverage. The entire process only takes a few minutes and you will find out if you’re overpaying now.

If you want to compare pricing, click here to open in a new tab and input your coverage information. If you have your current policy handy, we recommend you type in your coverages just like they are on your policy. Doing this assures you will receive a fair comparison for the exact same coverage.

What insurance coverages do I need?

When it comes to buying the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

• Who is covered when they drive my 1990 Mitsubishi Eclipse?
• What are the financial responsibility laws in my state?
• What can I do if my company won’t pay a claim?
• Am I covered when delivering products for my home-based business?
• Am I covered when driving on a suspended license?
• Does my personal policy cover me when driving out-of-state?
• Am I covered when using my vehicle for business?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Why does it cost so much to insure a teen driver?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Insurance coverage specifics

Learning about specific coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, a tree branch falling on your vehicle, fire damage and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as X-ray expenses, dental work and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This coverage will pay to fix damage to your Eclipse resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, crashing into a building, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability

This coverage protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like medical expenses, funeral expenses, emergency aid and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Final thoughts

We covered many ideas to shop for 1990 Mitsubishi Eclipse insurance online. It’s most important to understand that the more quotes you get, the better your chances of lowering your premium rates. You may even find the biggest savings come from an unexpected company. These smaller insurers may only write in your state and offer lower premium rates compared to the large companies like Progressive or Geico.

Lower-priced 1990 Mitsubishi Eclipse insurance can be found online in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. Some companies may not offer the ability to get a quote online and most of the time these small, regional companies only sell through independent agents.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and learned later that it was a big error on their part. Your objective should be to get the best coverage possible at an affordable rate, but do not skimp to save money.

For more information, take a look at the following helpful articles:

• Distracted Driving (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Vehicle Insurance (Wikipedia)
• Anti-Lock Brake FAQ (iihs.org)