Compare 2011 Mitsubishi Eclipse Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 5, 2024

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Want cheaper car insurance rates? Drivers have a choice when trying to find low-cost Mitsubishi Eclipse insurance. They can either spend hours struggling with agents to get rate comparisons or use the internet to get rate quotes.

There are both good and bad ways to shop for car insurance and you need to know the best way to quote coverages for a Mitsubishi and find the lowest price either online or from local insurance agents.

Car insurance policy discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts to help bring down the price. Some trigger automatically at the time you complete a quote, but a few must be requested specifically prior to getting the savings.

  • Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
  • More Vehicles More Savings – Buying a policy with all your vehicles on a single policy can get a discount for every vehicle.
  • Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for lower premium rates on Eclipse coverage.
  • Drive Less and Save – Fewer annual miles on your Mitsubishi could earn substantially lower prices.
  • Military Deployment Discount – Being on active duty in the military can result in better premium rates.
  • Passive Restraint Discount – Factory air bags may qualify for discounts of 25 to 30%.
  • Home Ownership Discount – Just owning your own home can save you money due to the fact that maintaining a home is proof of financial responsibility.
  • Waiver for an Accident – Not necessarily a discount, but some insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.

Please keep in mind that most credits do not apply to the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, it’s just not the way it works.

If you would like to choose from a list of companies offering car insurance discounts, enter your zip code here.

The best way we recommend to compare rate quotes is to know the fact most insurance companies participate in a system to give free rates quotes. The one thing you need to do is provide details such as if you are currently licensed, whether your vehicle is owned or leased, if you require a SR-22, and level of coverage desired. Your rating data is sent automatically to multiple different insurance companies and you will receive price estimates almost instantly.

To find lower rates now, click here and enter the information requested.

Insurance rate influencing factors

It’s important that you understand some of the elements that come into play when calculating auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find better auto insurance rates. Lots of factors are used when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but others are less obvious such as your marital status and annual miles driven.

  • Lower rates by increasing deductibles – Comp and collision deductibles are the amount of money the insured will be required to pay if the claim is covered. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and damage from wind. The more money the insured has to pay upfront, the bigger discount you will receive on Eclipse coverage.
  • Being married is a bonus – Walking down the aisle can get you a discount on your auto insurance bill. It generally demonstrates drivers are more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • How credit rating affects auto insurance costs – A driver’s credit rating can be a huge factor in calculating your auto insurance rates. Consumers who have very high credit ratings tend to be more responsible than drivers with lower ratings. If your credit rating is not that good, you may save money insuring your 2011 Mitsubishi Eclipse by taking the time to improve your credit score.
  • Do you have enough liability insurance? – Your policy’s liability coverage will afford coverage if ever you are found to be at fault for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. It is affordable coverage compared to other policy coverages, so buy as much as you can afford.

How do I know if I need professional advice?

When buying the best car insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • Am I covered by my spouse’s policy after a separation?
  • How do I buy GAP insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered if I hit a deer?
  • Do I really need UM/UIM coverage?
  • Is upholstery damage covered by car insurance?
  • Is my trailer covered?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Insurance in the media

Consumers can’t ignore all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. They all seem to try to convey promises that you’ll save big after switching your insurance coverage to their company.

Is it even possible that every company can say the same thing? Here is the trick they use.

Many companies have a certain “appetite” for the type of driver that is profitable for them. For example, a profitable customer could be a female over age 40, owns their home, and insures a new vehicle. Anybody who meets those qualifications will get low rates and will save a lot if they switch.

Drivers who cannot meet those standards will get a higher rate which translates to business not being written. If you pay close attention to the ads, they say “people that switch” but not “all drivers who get quotes” save the amount stated. That’s the way companies can make claims like that.

Because of this risk profiling, you need to get insurance quotes from several different companies. Because you cannot predict which company will have the lowest rates.

Car insurance 101

Learning about specific coverages of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverages – Collision coverage will pay to fix damage to your Eclipse resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, crashing into a ditch, crashing into a building, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits are set the same as your liability limits.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as dental work, nursing services, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by 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 is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, falling objects, fire damage, damage from flooding and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage – Liability coverage will cover injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

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 liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as pain and suffering, loss of income, structural damage, emergency aid and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Best coverage at the best price

When getting insurance quotes online, don’t be tempted to buy poor coverage just to save money. There have been many cases where an insured cut full coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

You just learned a lot of tips how to lower your 2011 Mitsubishi Eclipse insurance car insurance rates. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest car insurance rates are with a lesser-known regional company.

Some insurance coverage companies may not provide price quotes online and these smaller companies prefer to sell through local independent agencies. More affordable insurance coverage is available from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from.

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