2011 Mitsubishi Eclipse Insurance Quotes – 6 Savings Tips

Looking for better insurance rates for your Mitsubishi Eclipse? Scraping up a payment for overpriced Mitsubishi Eclipse insurance can empty your checking account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Multiple insurers compete for your business, and it can be difficult to compare rates to get the cheapest price

How to Get Car Insurance

To find the best car insurance prices, there are several ways of comparing rate quotes from local car insurance companies. The quickest method to find the lowest 2011 Mitsubishi Eclipse rates consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.

  • The recommended way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do boring form submissions to each individual car insurance company. In just a few minutes this one form gets you coverage quotes from multiple low-cost companies.
  • A less efficient way to find lower rates is to manually visit each individual company website to request a price quote. For instance, let’s say you want to compare Progressive, Liberty Mutual and Farmers. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you use the exact same coverage limits for each price quote. If you have different limits and deductibles on each one it’s not possible to find the best deal for your Mitsubishi Eclipse. Just a small difference in insurance coverages may cause a big price difference. Just keep in mind that comparing a large number of companies will improve the odds of getting the best offered rates.

Don’t miss these six discounts

Companies offering auto insurance don’t list every discount very well, so here is a list some of the more common as well as the least known discounts you could be receiving.

  • Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.
  • No Accidents – Good drivers with no accidents can save substantially when compared to frequent claim filers.
  • Homeowners Discount – Owning a home can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Auto/Home Discount – If you have multiple policies with one insurance company you will save approximately 10% to 15%.

Consumers should know that most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that possibly offer these benefits are:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts might not apply everywhere.

When might I need help?

When choosing the best insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help highlight if your situation would benefit from professional advice.

  • Am I covered if I wreck a rental car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is an SR-22 filing?
  • Do I benefit by insuring my home with the same company?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. These are the normal coverages found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, damage from getting keyed, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance

This can cover injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as medical expenses, structural damage and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This will pay to fix damage to your Eclipse resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, backing into a parked car, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like prosthetic devices, funeral costs, doctor visits, rehabilitation expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Power to the consumer

Lower-priced 2011 Mitsubishi Eclipse insurance is attainable from both online companies as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find for the lowest price while still protecting your assets.

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