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1991 Mitsubishi Eclipse Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 5, 2020

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Average insurance rates for a 1991 Mitsubishi Eclipse are $902 a year including full coverage. Comprehensive costs around $132, collision costs $170, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing around $1,940. Teenage drivers receive the highest rates at $3,708 a year or more.

Annual premium for full coverage: $902

Rate estimates for 1991 Mitsubishi Eclipse Insurance

Comprehensive $132
Collision $170
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1991 Mitsubishi Eclipse models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for just liability insurance to the much higher price of $1,940 for a high risk driver.

Liability Only $496
Full Coverage $902
High Risk $1,940

View Chart as Image

1991 Mitsubishi Eclipse insurance rates compared
Column chart showing 1991 Mitsubishi Eclipse insurance prices range from $554 to $3,708 for full coverage

These differences highlight why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1991 Mitsubishi Eclipse Insurance

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Looking for lower insurance coverage rates? Shoppers have a choice when shopping for affordable Mitsubishi Eclipse insurance. You can either spend your time calling around to get rate comparisons or use the internet to find the lowest rates.

There are both good and bad ways to find insurance coverage online and we’ll show you the proper way to compare rates for your Mitsubishi and find the lowest possible price either online or from local insurance agents.

It’s a good idea to get comparison quotes once or twice a year since insurance rates tend to go up over time. Just because you found the best rates for Eclipse coverage a couple years back the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance coverage on the web, but by reading this article, you’re going to learn some guaranteed methods to stop overpaying for insurance.

What determines your Mitsubishi Eclipse insurance premium

Consumers need to have an understanding of some of the elements that help determine the rates you pay for insurance coverage. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to lower insurance coverage prices.

The following are some of the items that factor into prices.

  • Your spouse saves you money – Having a wife or husband helps lower the price on insurance coverage. It translates into being more mature and it’s statistically proven that drivers who are married are more cautious.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. Safe vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Mitsubishi Eclipse earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Where you live can impact rates – Living in less populated areas can save you money when talking about insurance coverage. City drivers regularly have traffic congestion and much longer commute distances. Fewer people means fewer accidents.
  • Liability coverage is peace of mind – Your policy’s liability coverage is the coverage that protects you when you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Better credit means lower rates – A driver’s credit history is a huge factor in determining your rates. Therefore, if your credit score is not that good, you could save money insuring your 1991 Mitsubishi Eclipse by spending a little time repairing your credit. People with high credit ratings tend to be more responsible than drivers with lower credit scores.
  • More miles equals more premium – The more you drive in a year the higher your rates will be. Most companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. If your policy improperly rates your Eclipse can cost quite a bit. Verify your insurance coverage policy shows the correct driver usage, because improper ratings can cost you money.
  • Mature drivers pay less – More mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations. Teenage drivers are known to be less responsible when driving and because of this, their insurance coverage rates are much higher.
  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are better drivers. Women and men are in accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations such as reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.

Insurance Coverage Quote Comparison

Cutting your insurance coverage rates is actually quite simple. The only thing you need to do is invest a little time comparing price quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

The first (and easiest) way to get quotes is an all-inclusive rate comparison click to view form in new window. This form eliminates the need for repetitive form submissions for every insurance coverage company. Filling out one form will get you rate comparisons direct from many companies. Recommended for those who want to invest the least amount of time.

A more difficult way to shop for insurance coverage online is to manually visit the website of each company and fill out their own quote form. For examples sake, we’ll assume you want rates from Auto-Owners, Liberty Mutual and American Family. To get each rate you have to go to every website to enter your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

The least efficient way of getting rate comparisons is to waste gas driving to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the personal advice of a local agent. You can, however, price shop online but buy from a local insurance agent and we’ll talk about that later.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverage limits and deductibles with each company. If your comparisons have mixed coverages it’s impossible to determine the best price for your Mitsubishi Eclipse.

Get lower rates on 1991 Mitsubishi Eclipse insurance

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Most are applied at quote time, but a few need to be requested specifically before being credited. If you aren’t receiving every discount possible, you are throwing money away.

  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Distant Student – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.
  • Club Memberships – Affiliation with a qualifying organization could qualify you for a break on auto insurance for Eclipse coverage.
  • Defensive Driver – Taking a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Claim Free – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky. But any discount will cut your premiums.

Companies that possibly offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions might point out if your situation would benefit from an agent’s advice.

  • Is my trailer covered?
  • Am I covered by my spouse’s policy after a separation?
  • I have health insurance so do I need medical payments coverage?
  • What is covered by UM/UIM coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Why does it cost so much to insure a teen driver?

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If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Car insurance specifics

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, repair costs for stationary objects, funeral expenses, medical services and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for claims such as a broken windshield, damage from a tornado or hurricane and falling objects. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mitsubishi Eclipse.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

This coverage pays for damage to your Eclipse resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as ambulance fees, hospital visits, doctor visits, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Make a quick buck

Consumers change insurance companies for any number of reasons including high prices, high rates after DUI convictions, not issuing a premium refund and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching companies is easier than you think.

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In too many instances, consumers will sacrifice full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

We just covered a lot of information how to reduce 1991 Mitsubishi Eclipse insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the best price on insurance is with a small local company.

To read more, link through to these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1991 Mitsubishi Eclipse Insurance Rates by City
City Premium
New York City, NY $1,431
Los Angeles, CA $1,542
Philadelphia, PA $1,207
Jacksonville, FL $1,311
Phoenix, AZ $1,053
Chicago, IL $1,210
Houston, TX $1,417
Seattle, WA $882
Columbus, OH $757
Indianapolis, IN $768

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1991 Mitsubishi Eclipse Insurance Rates by Driver Age
Driver Age Premium
16 $3,708
20 $2,070
30 $916
40 $902
50 $832
60 $814

Full coverage, $500 deductibles

Rates by Deductible

1991 Mitsubishi Eclipse Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,034
$250 $974
$500 $902
$1,000 $832

Full coverage, driver age 40

Rates by Liability Limit

Mitsubishi Eclipse Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $902
50/100 $990
100/300 $1,101
250/500 $1,388
100 CSL $1,035
300 CSL $1,278
500 CSL $1,455

Full coverage, driver age 40

Rates for High Risk Drivers

1991 Mitsubishi Eclipse Insurance Rates for High Risk Drivers
Age Premium
16 $5,204
20 $3,296
30 $1,950
40 $1,940
50 $1,858
60 $1,838

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $119

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $53
5-yr Claim Free $56
Paid in Full/EFT $31
Advance Quote $38
Online Quote $60
Total Discounts $348
Rate after discounts $554

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1991 Mitsubishi Eclipse Insurance Rates by State
State Premium
Alabama $818
Alaska $694
Arizona $752
Arkansas $902
California $1,028
Colorado $862
Connecticut $930
Delaware $1,022
Florida $1,130
Georgia $834
Hawaii $648
Idaho $612
Illinois $672
Indiana $680
Iowa $610
Kansas $860
Kentucky $1,232
Louisiana $1,338
Maine $558
Maryland $746
Massachusetts $724
Michigan $1,570
Minnesota $754
Mississippi $1,082
Missouri $802
Montana $972
Nebraska $712
Nevada $1,082
New Hampshire $650
New Jersey $1,010
New Mexico $800
New York $954
North Carolina $520
North Dakota $740
Ohio $626
Oklahoma $928
Oregon $828
Pennsylvania $862
Rhode Island $1,206
South Carolina $818
South Dakota $764
Tennessee $794
Texas $1,090
Utah $670
Vermont $618
Virginia $542
Washington $700
West Virginia $828
Wisconsin $626
Wyoming $806

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