Cheap 2002 Mitsubishi Eclipse Insurance Quotes

Want better insurance rates for your Mitsubishi Eclipse? Paying for high-priced Mitsubishi Eclipse insurance can drain your checking account and force you to make sacrifices. Doing a price comparison is free and is an excellent way to reduce premiums and put more money in your pocket. Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the lowest rate

Save big with these discounts

Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Certain discounts will be applied when you purchase, but a few need to be requested specifically before you get the savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Homeowners Pay Less – Owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Eclipse coverage than their less cautious counterparts.
  • Organization Discounts – Affiliation with certain professional organizations may earn a discount on your policy on Eclipse coverage.
  • Drive Less and Save – Fewer annual miles on your Mitsubishi could qualify for better rates on cars that stay parked.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current policy expires. The savings is around 10%.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Eclipse coverage with certain companies.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will reduce the amount you have to pay.

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

It’s a good idea to ask each company which discounts they offer. Some discounts might not apply in every state.

Comprehensive Auto Insurance Comparison

Shopping for lower auto insurance rates is a ton of work if you don’t know the most efficient way. You can waste hours driving to agents in your area, or you could save time and use the internet to get prices fast.

All the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and every company then gives them pricing based on that data. This system prevents you from having to do form submissions for every auto insurance company.

To get comparison pricing now click to open in new window.

The single downside to pricing coverage this way is that consumers can’t choose which carriers to get pricing from. If you would rather choose individual companies to compare rates, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you use apples-to-apples coverage information with each company. If you are comparing different deductibles it’s not possible to determine which rate is truly the best.

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But I don’t know anything about car insurance

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can help discover whether your personal situation would benefit from professional advice.

  • What is roadside assistance coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I still get insurance after a DUI?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What if I owe more than I can insure my car for?
  • What is high-risk coverage and where do I buy it?
  • Where can I find high-risk insurance?
  • Should I rate my 2002 Mitsubishi Eclipse as pleasure use or commute?
  • Is my camper covered by my car insurance policy?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance 101

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average car insurance policy.

Auto liability

Liability insurance will cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like loss of income, emergency aid and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, damage from flooding, fire damage, hitting a deer and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses such as hospital visits, pain medications, ambulance fees, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2002 Mitsubishi Eclipse.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

Collision insurance pays for damage to your Eclipse caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, rolling your car, hitting a parking meter, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

One last thing

We just covered a lot of tips how to save on 2002 Mitsubishi Eclipse insurance. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from a small mutual company. They often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

Affordable insurance can be found from both online companies and with local insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

More information is located at the links below

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