Cheapest 1997 Mitsubishi Eclipse Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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I can’t think of a single person who likes paying for auto insurance, particularly when the price is too high. Popular companies such as Allstate and Progressive continually bombard you with advertising and consumers find it hard to ignore the promise of big savings and find the best price available.

It’s smart to compare prices before your policy renews because insurance rates fluctuate regularly. If you had the lowest rates for Eclipse insurance a few years ago you can probably find a better price now. Starting now, ignore everything you know about auto insurance because it’s time to teach you the things you must know in order to find better rates and still maintain coverage.

Free Quotes for Car Insurance

There are several ways to compare Mitsubishi Eclipse car insurance prices but there is one way that is less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance agencies in your area, or you can stay home and use online quotes to quickly compare rates.

The majority of car insurance companies participate in an industry program that allows shoppers to enter their policy data once, and every company can provide price quotes based on that data. This saves time by eliminating quote requests for each company you want a rate for.

To enter your information into the quoting system, click to open in new window.

The single downside to doing it this way is buyers cannot specifically choose the insurers to receive prices from. If you wish to select specific insurance companies to compare rates, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use identical deductibles and coverage limits for each price quote. If you enter different limits and deductibles on each one it will be very difficult to find the best deal for your Mitsubishi Eclipse.

Take discounts and save

Companies do not advertise all available discounts very clearly, so here is a list both the well known as well as the least known savings tricks you should be using. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Eclipse insurance than less cautious drivers.
  • Multiple Cars – Buying coverage for all your vehicles with the same company qualifies for this discount.
  • Sign Early and Save – Select companies give a discount for signing up before your current policy expires. It can save you around 10%.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • No Accidents – Good drivers with no accidents pay less compared to frequent claim filers.

Consumers should know that most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies that possibly offer some of the above discounts include:

  • The Hartford
  • American Family
  • Progressive
  • Travelers
  • Farmers Insurance
  • USAA
  • Liberty Mutual

Check with each insurance company how you can save money. Discounts might not be offered in your area.

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation will benefit from professional help.

  • Do I need medical payments coverage since I have good health insurance?
  • How do I insure my teen driver?
  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?
  • Am I better off with higher deductibles on my 1997 Mitsubishi Eclipse?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I put collision coverage on all my vehicles?

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If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance coverage breakdown

Understanding the coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for expenses for hospital visits, dental work, funeral costs, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection 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.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability car insurance – This protects you from injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people. 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 liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as court costs, loss of income, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I compare auto insurance rates for a 1997 Mitsubishi Eclipse in 2023?

To compare auto insurance rates for a 1997 Mitsubishi Eclipse in 2023, you can use online quote tools. These tools allow you to enter your policy data once, and then receive price quotes from multiple car insurance companies based on that data. This saves time and effort compared to contacting insurance agencies individually.

Can I choose specific insurance companies to receive quotes from?

When using online quote tools, you may not be able to choose the specific insurance companies to receive quotes from. However, you can still compare rates from different companies to find the best deal. If you prefer to select specific insurance companies, you can check a list of the cheapest car insurance companies in your area and contact them individually.

Are there any discounts available for auto insurance?

Yes, there are various discounts available for auto insurance. These discounts can help reduce the cost of specific coverages such as liability and collision coverage. Some well-known discounts include safe driver discounts, multi-policy discounts, and good student discounts. It’s important to check with each insurance company to see what discounts they offer, as they may vary.

Which auto insurance policy provides the best coverage?

The best auto insurance policy depends on your individual needs. There is no single plan that fits everyone. Factors such as your driving habits, budget, and personal circumstances can influence the coverage you need. If you’re unsure about the coverage that suits you, it’s recommended to speak with an insurance agent who can provide personalized advice based on your situation.

What are the typical coverages found in an insurance policy?

An average insurance policy includes various coverages. Here are some common ones:

  • Collision coverage: Pays for damage to your vehicle resulting from colliding with a stationary object or another vehicle.
  • Medical costs insurance: Covers expenses for hospital visits, dental work, funeral costs, and rehabilitation expenses in case of an accident.
  • UM/UIM coverage: Provides protection when you’re involved in an accident with a driver who doesn’t have enough liability coverage.
  • Liability car insurance: Protects you from claims made by others for injuries or damage caused by an accident.
  • Comprehensive or Other Than Collision coverage: Covers damage to your vehicle that is not caused by a collision, such as theft, vandalism, or natural disasters.

Remember that the terms and coverage options may vary between insurance policies, so it’s important to review your policy and consult with your insurance provider for specific details.


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