1993 Mitsubishi Eclipse Insurance Rates
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UPDATED: Nov 16, 2021
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Average insurance rates for a 1993 Mitsubishi Eclipse are $902 a year for full coverage. Comprehensive insurance costs on average $132 a year, 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 $1,940 or more. Teenage drivers receive the highest rates at $3,708 a year or more.
Annual premium for full coverage: $902
Rate estimates for 1993 Mitsubishi Eclipse Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1993 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 basic liability insurance to a high of $1,940 for a high risk driver.
These differences show why it is important for drivers to compare prices based on a specific location and risk profile, instead of using average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 1993 Mitsubishi Eclipse Insurance
Looking for better insurance coverage rates for your Mitsubishi Eclipse? Overpriced Mitsubishi Eclipse insurance can empty your checking account and put a big crunch on your finances. Doing a price comparison is free, only takes a few minutes, and is a good way to tighten up your finances.
Many insurance companies compete for your business, so it’s not easy to compare every provider and get the definite best rate
If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Finding the best rates is easy if you know what you’re doing. But car owners benefit from understanding how big insurance companies market on the web.
Discounts can save BIG
Companies don’t necessarily list all their discounts very clearly, so here is a list both the well known and also the lesser-known savings tricks you should be using.
- Passive Restraints – Vehicles equipped with air bags can get savings of more than 20%.
- No Accidents – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
- Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on Eclipse coverage with a few auto insurance companies.
- Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
- Senior Discount – If you qualify as a senior citizen, you may receive reduced rates on Eclipse coverage.
- Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
- Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
- Auto/Home Discount – When you have multiple policies with one insurance company you will save up to 20% off your total premium.
Keep in mind that most discounts do not apply the whole policy. Most cut specific coverage prices like comp or med pay. So even though they make it sound like you could get a free auto insurance policy, it just doesn’t work that way.
Insurance companies that possibly offer these discounts may include but are not limited to:
Check with every prospective company what discounts are available to you. Discounts might not apply in your state.
Will just any policy work for me?
When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions might point out if you would benefit from professional advice.
- What if I owe more than I can insure my car for?
- What is UM/UIM insurance?
- Does car insurance cover theft of personal property?
- Why does it cost so much to insure a teen driver?
- Is my state a no-fault state?
- Should I carry comprehensive and collision coverage?
- When should I buy a commercial auto policy?
- Is my teenager covered with friends in the car?
- Does my car insurance cover rental cars?
- I don’t drive much so do I pay less?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.
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Insurance coverage considerations
Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for immediate expenses for dental work, hospital visits, funeral costs, doctor visits and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like damage from a tornado or hurricane, theft, a tree branch falling on your vehicle, fire damage and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Mitsubishi Eclipse.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Collision coverage – This coverage will pay to fix damage to your Eclipse caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like backing into a parked car, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.
Liability car insurance – This coverage will cover damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
It consists of three 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 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.
Liability coverage protects against things like repair costs for stationary objects, loss of income, court costs and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Coverage on a shoestring budget
As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed comprehensive coverage or liability limits only to find out that they should have had better coverage. The aim is to buy enough coverage at the best price while not skimping on critical coverages.
You just read many ideas to save on 1993 Mitsubishi Eclipse insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the best prices are with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.
Affordable insurance is definitely available from both online companies in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide online quoting and these small insurance companies work with independent agents.
- What is Gap Insurance? (Insurance Information Insitute)
- Car Insurance: When not to Skimp (BankRate.com)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
Rates by U.S. City
|New York City, NY||$1,431|
|Los Angeles, CA||$1,542|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$53|
|5-yr Claim Free||$56|
|Paid in Full/EFT||$31|
Discounts are estimated and may not be available from every company or in every state.