Cheapest 1996 Mitsubishi Eclipse Insurance Rates in 2023
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UPDATED: Jun 1, 2023
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Trying to find lower auto insurance rates for your Mitsubishi Eclipse? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say many consumers feel financially strained by their auto insurance policy.
Multiple insurance companies compete for your hard-earned dollar, so it’s not easy to compare every provider to find the best rate
Automobile Insurance Quotes
There are a variety of methods to compare 1996 Mitsubishi Eclipse auto insurance quotes, but there is one way that is more efficient than others. You can spend your afternoon talking to insurance agencies in your area, or you can utilize online quotes to get the quickest rates.
Many companies participate in an industry program where insurance shoppers enter their coverage request one time, and at least one company then gives them pricing for coverage. This saves time by eliminating quotation requests for every auto insurance company. To compare 1996 Mitsubishi Eclipse rates using this form now click here to start a free quote.
One minor caviat to comparing rates this way is you are unable to specify which providers to receive prices from. So if you want to select specific insurance companies to compare rates, we put together a list of companies who write auto insurance in your area. Click here to view list.
Which method you use is up to you, but make darn sure you compare apples-to-apples coverage limits and deductibles for every company. If you are comparing different deductibles you can’t possibly determine the best price for your Mitsubishi Eclipse. Just a small difference in coverages could mean much higher rates. It’s important to know that getting more free quotes provides better odds of finding better pricing.
These discounts can lower your rates
Companies that sell car insurance don’t always publicize every discount very well, so we break down both well-publicized as well as the least known insurance savings.
- Multiple Policy Discount – When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
- Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
- Lower Rates for Military – Being on active duty in the military could mean lower rates.
- Discount for Life Insurance – Some companies give lower rates if you buy life insurance from them.
- Senior Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums on Eclipse coverage.
- Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
- College Student – Kids in college who live away from home and do not have a car may be able to be covered for less.
Drivers should understand that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.
For a list of insurance companies with discount insurance rates, click here to view.
Different people need different coverages
When buying coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different so your insurance needs to address that. For example, these questions can help discover whether your personal situation will benefit from professional help.
- Should I put collision coverage on all my vehicles?
- Am I better off with higher deductibles on my 1996 Mitsubishi Eclipse?
- Is my dog or cat covered if injured in an accident?
- Am I covered if I break a side mirror?
- Do I need added coverage for expensive stereo equipment?
- Is upholstery damage covered by car insurance?
- If I drive on a suspended license am I covered?
- How many claims can I have before being canceled?
- What vehicles should carry emergency assistance coverage?
- When should I drop full coverage on my 1996 Mitsubishi Eclipse?
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If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.
Auto insurance coverage information
Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.
Liability coverage can cover damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability insurance covers things like legal defense fees, pain and suffering, medical services, repair costs for stationary objects and court costs. How much liability should you purchase? That is your choice, but buy as much as you can afford.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as chiropractic care, prosthetic devices, dental work and pain medications. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, fire damage, damage from getting keyed and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as damaging your car on a curb, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1996 Mitsubishi Eclipse.
Due to the fact that many drivers only purchase the least amount of liability that is required, 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.
Frequently Asked Questions
How can I compare auto insurance quotes for a 1996 Mitsubishi Eclipse?
You have multiple options to compare insurance quotes for your 1996 Mitsubishi Eclipse. One efficient method is to use online quotes, where you enter your coverage request once and receive pricing from at least one company. Another option is to consult with insurance agencies in your area. However, when comparing quotes, ensure that you are comparing the same coverage limits and deductibles for each company.
Are there any discounts available to lower my auto insurance rates?
Yes, many insurance companies offer discounts that can help lower your rates. However, not all discounts are openly advertised. Some common discounts include safe driver discounts, multi-policy discounts, good student discounts, and anti-theft device discounts. It’s important to inquire with your insurance provider about the available discounts and see if you qualify for any.
How do I determine the right auto insurance coverage for my Mitsubishi Eclipse?
The appropriate auto insurance coverage for your Mitsubishi Eclipse depends on various factors and your personal situation. It’s recommended to consider your needs and preferences. If you’re unsure about the coverage options, it can be helpful to consult with a licensed insurance agent who can guide you through the process and provide personalized advice.
What are the different types of auto insurance coverages?
Auto insurance policies consist of various coverages that protect you and your vehicle. The common coverages include:
- Auto Liability: Covers damage caused to other people or their property in an accident where you are at fault.
- Medical Payments: Pays for short-term medical expenses for you and your passengers.
- Comprehensive: Covers damage to your vehicle from non-collision incidents like theft, vandalism, or natural disasters.
- Collision: Covers damage to your vehicle caused by a collision with another vehicle or object.
- Uninsured/Underinsured Motorist: Provides protection when the at-fault party has insufficient or no insurance coverage.
How can I find companies with the cheapest auto insurance rates in my area?
To find companies with the cheapest auto insurance rates in your area, you can use our free quote tool. Enter your zip code, and it will provide you with a list of companies offering affordable rates based on your location.
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