How Much Does 1990 Mitsubishi Eclipse Car Insurance Cost?

Looking for cheaper insurance rates for your Mitsubishi Eclipse? No car owner is fond of buying insurance, especially when they are aware that they could find lower prices if they just compared rates. With so many different company options, it’s nearly impossible to pick the most affordable insurance provider.

It’s a great practice to check insurance prices yearly because insurance prices trend upward over time. If you had the lowest rates for Eclipse coverage a couple years back the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because you’re about to learn the right way to eliminate unnecessary coverages and save money.

Finding affordable coverage is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you can learn to get lower rates while maximizing coverage. Vehicle owners just need to know how to find the lowest price online.

How to compare insurance quotes

Cutting your insurance rates isn’t really that difficult. You just have to spend a few minutes comparing free insurance quotes online with multiple companies. Comparing prices online can be done by following the guidelines below.

• Probably the best way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This style of form saves time by eliminating repetitive form entry for every company. Taking the time to complete one form will return price quotes from multiple low-cost companies.
• A slightly less efficient method to find lower rates is spending the time to visit the website of each company and request a quote. For sake of this example, we’ll pretend you want to view quotes from Nationwide, Progressive and Farmers. To get each rate you have to spend time going to each site individually to input your insurance information, which is why first method is reommended.

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

• The hardest method to compare price quotes to insurance agencies in your area. Shopping for insurance online has reduced the need for local agents unless you’re the type of person who wants the professional assistance only provided by licensed agents. Although you can compare the best prices online but have a local agent actually write the policy.

Which method you use is up to you, but do your best to enter exactly the same information on every quote you get. If you use different coverage information you will not be able to make a fair comparison for your Mitsubishi Eclipse.

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Verify you’re earning every discount

Car insurance is expensive, but there may be some discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you purchase, but lesser-known reductions have to be asked about before you will receive the discount.

• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.
• Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
• Defensive Driving Course – Participating in a safe driver course could earn you a small percentage discount and make you a better driver.
• Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
• Discounts for Government Workers – Federal government employees may reduce rates when you quote insurance for Eclipse coverage depending on your company.

Remember that some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts should help reduce your policy cost.

Large car insurance companies and their possible discounts can be found below.

• Progressive may include discounts for multi-policy, online signing, multi-vehicle, homeowner, and continuous coverage.
• SAFECO offers premium reductions for homeowner, multi-car, bundle discounts, drive less, accident prevention training, and anti-theft.
• American Family may offer discounts for early bird, accident-free, defensive driver, mySafetyValet, good driver, multi-vehicle, and TimeAway discount.
• MetLife may have discounts that include multi-policy, defensive driver, claim-free, good student, good driver, accident-free
• Geico offers discounts for anti-theft, federal employee, five-year accident-free, multi-policy, and anti-lock brakes.
• The Hartford offers discounts including bundle, driver training, vehicle fuel type, good student, defensive driver, and air bag.

When quoting, ask each company or agent which discounts you qualify for. All car insurance discounts might not be available to policyholders in your area.

When should I discuss my situation with an agent?

When buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different and your policy should reflect that. For example, these questions might help in determining if you could use an agent’s help.

• Am I covered if hit by an uninsured driver?
• What discounts do I qualify for?
• Is motorclub coverage worth it?
• Am I covered if I wreck a rental car?
• Why does it cost so much to insure a teen driver?
• Is my ex-spouse still covered by my policy?
• I have good health insurance, so how much medical payments coverage do I need?
• Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Insurance specifics

Learning about specific coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like chiropractic care, prosthetic devices, dental work and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as funeral expenses, pain and suffering, structural damage and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, hitting a deer, rock chips in glass, damage from flooding and falling objects. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance covers damage to your Eclipse resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your 1990 Mitsubishi Eclipse.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

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You can do this!

In this article, we covered a lot of ways to save on 1990 Mitsubishi Eclipse insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. Drivers may discover the lowest priced car insurance comes from a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

The cheapest 1990 Mitsubishi Eclipse insurance can be bought online and also from your neighborhood agents, so you need to shop insurance with both to have the best rate selection. A few companies don’t offer rate quotes online and these regional insurance providers sell through local independent agents.

Other resources

• Neck Injury FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)

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