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1995 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 1995 Mitsubishi Eclipse are $902 a year for full coverage. Comprehensive costs on average $132, collision costs $170, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,940. Teen drivers receive the highest rates at $3,708 a year or more.

Annual premium for full coverage: $902

Rate estimates for 1995 Mitsubishi Eclipse Insurance

Comprehensive $132
Collision $170
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1995 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 driver in their 40's, prices range go from as low as $496 for only liability insurance to the much higher price of $1,940 for a driver who has had serious violations or accidents.

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

View Chart as Image

1995 Mitsubishi Eclipse insurance rates compared
Column chart showing 1995 Mitsubishi Eclipse insurance prices range from $554 to $3,708 for full coverage

These differences show why everyone 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 1995 Mitsubishi Eclipse Insurance

Searching Companies

Confused by the wide range of insurance coverage companies? Many other drivers are as well. There are so many options available that it can be a challenge to locate the lowest price.

Consumers need to take a look at other company’s rates yearly since rates go up and down regularly. If you had the best deal for Eclipse coverage on your last policy the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance coverage online but by reading this article, you’re going to learn some proven techniques to find cheap insurance coverage.

Take these nine discounts and save

Car insurance can cost a lot, but there are discounts available to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be specifically requested in order for you to get them.

  • Government Employees – Simply working for the federal government may qualify you for a discount for Eclipse coverage depending on your company.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for a substantially lower rate.
  • Safety Course Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 15% off your medical payments premium.
  • Distant Student – Kids in college living away from home attending college and do not have a car may be able to be covered for less.
  • Organization Discounts – Belonging to a professional or civic organization is a good way to get lower rates on insurance for Eclipse coverage.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company qualifies for this discount.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.

It’s important to understand that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will bring down the amount you have to pay.

For a list of providers offering insurance discounts, follow this link.

Don’t be fooled by advertising claims

21st Century, Allstate and State Farm consistently run television and radio advertisements. All the companies say the same thing about savings if you change to their company. How do they all make the same claim? It’s all in the numbers.

All companies have a certain “appetite” for the type of customer that earns them a profit. For example, a preferred risk could be between 25 and 40, owns a home, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably cut their rates substantially.

Potential insureds who don’t meet the “perfect” profile must pay higher rates which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently claim big savings.

This illustrates why you need to compare as many rates as you can. You cannot predict the company that will provide you with the cheapest Mitsubishi Eclipse insurance rates.

Which policy gives me the best coverage?

When buying the best car insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if your situation might need professional guidance.

  • Am I covered when driving someone else’s vehicle?
  • Do I really need UM/UIM coverage?
  • Do all my vehicles need collision coverage?
  • How much can I save by bundling my policies?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is an SR-22 filing?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy only the required minimum liability coverage?

If you’re not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Free Auto Insurance Comparison

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

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Insurance policy coverages for a 1995 Mitsubishi Eclipse

Having a good grasp of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage

Collision insurance will pay to fix damage to your Eclipse resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mitsubishi Eclipse.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive coverages

Comprehensive insurance covers 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 can pay for things like a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

This can cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as structural damage, loss of income and legal defense fees. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, chiropractic care, prosthetic devices and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

Drivers who switch companies do it for a number of reasons such as being labeled a high risk driver, an unsatisfactory settlement offer, high rates after DUI convictions and even policy cancellation. It doesn’t matter what your reason, choosing a new company is less work than it seems.

Cost effective 1995 Mitsubishi Eclipse insurance is definitely available from both online companies and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. In many instances, an insured dropped comprehensive coverage or liability limits only to find out that it was a big error on their part. The proper strategy is to buy enough coverage for the lowest price.

Additional detailed information can be read in the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1995 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

1995 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

1995 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

1995 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

1995 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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