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1994 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 1994 Mitsubishi Eclipse are $902 a year including full coverage. Comprehensive insurance costs on average $132, collision insurance costs $170, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $1,940 or more. Teen drivers receive the highest rates at up to $3,708 a year.

Annual premium for full coverage: $902

Rate estimates for 1994 Mitsubishi Eclipse Insurance

Comprehensive $132
Collision $170
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1994 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 range from as low as $496 for basic liability insurance to a much higher rate of $1,940 for a high risk driver.

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

View Chart as Image

1994 Mitsubishi Eclipse insurance rates compared
Column chart showing 1994 Mitsubishi Eclipse insurance prices range from $554 to $3,708 for full coverage

These differences highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on price averages.

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 1994 Mitsubishi Eclipse Insurance

Searching Companies

Shopping for the lowest cost insurance on the internet is difficult for people who are new to comparing rates online. Since there are so many insurers to choose from, how can anyone effectively compare every one to find the best pricing?

You should take the time to do rate comparisons every six months because prices change quite often. Just because you had the lowest rates for Eclipse insurance a couple years back there may be better deals available now. Starting right now, forget anything you know (or think you know) about insurance because you’re about to learn one of the best ways to find better rates and still maintain coverage.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Finding the cheapest coverage is simple if you know the tricks. Nevertheless, vehicle owners must comprehend the methods companies use to sell insurance online and use this information to your advantage.

The quickest way to compare policy rates utilizes the fact all the major auto insurance companies participate in online systems to provide you with free rate quotes. The only thing you need to do is provide a little information including how you use your vehicles, if you have an active license, types of safety features, and driver ages. That rating data is sent automatically to multiple companies and they return cost estimate instantly to find the best rate.

Take discounts and save

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. Some trigger automatically at the time you complete a quote, but a few must be specially asked for prior to receiving the credit.

  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Eclipse insurance with select insurance companies.
  • Own a Home – Owning a house can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Clubs and Organizations – Participating in a professional or civic organization is a good way to get lower rates when shopping for car insurance for Eclipse insurance.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Eclipse insurance than drivers with accident claims.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Distant Student – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.

Consumers should know that most discount credits are not given to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will reduce your overall premium however.

For a list of insurers with the best car insurance discounts, click this link.

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions can help discover if your situation may require specific advice.

  • Can I afford to buy a different vehicle if my 1994 Mitsubishi Eclipse is totaled?
  • Am I covered if my car is in a flood?
  • Should I have combined single limit or split liability limits?
  • I have health insurance so do I need medical payments coverage?
  • Is my ex-spouse still covered by my policy?
  • Should I rate my 1994 Mitsubishi Eclipse as pleasure use or commute?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Free Auto Insurance Comparison

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Parts of your auto insurance policy

Having a good grasp of a auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, medical services and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills such as dental work, surgery and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, theft and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, hitting a parking meter, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Mitsubishi Eclipse.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1994 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

1994 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

1994 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

1994 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

1994 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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